Ford County, Illinois, a county in the Champaign-Urbana-Danville, IL market, holds $512M in deposits across 5 insured institutions and 10 branches. Bank of Pontiac is the largest deposit holder at 26.4% share. The top three institutions hold 68.6% of deposits, which places the county in the concentrated band. Deposits have grown 11.3% since 2020 while the branch count fell by 2. It produces $834M of output, ranking #1,246 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 12 in 2020 to 10 in 2025. Institutions: 6 to 5. Top-three share: 59.3% to 68.6%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Bank of Pontiac | $135M | 26.4% | no 2020 presence |
| Longview Community Bank | $120M | 23.4% | no 2020 presence |
| Vermilion Valley Bank | $96M | 18.8% | +12% |
| Frederick Community Bank, The | $94M | 18.5% | +31% |
| Heartland Bank and Trust Company | $66M | 13.0% | +18% |
The 5 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Champaign-Urbana-Danville market
Ford County is one of 4 counties that make up the Champaign-Urbana-Danville, IL market, a Combined Statistical Area (ranked #147 of 293 U.S. markets by economic output). It produces 5.0% of the market’s output and holds 5.4% of its deposits.
| Measure | Ford County | Share of Champaign-Urbana-Danville market |
|---|---|---|
| 2024 GDP | $834M | 5.0% |
| Deposits | $512M | 5.4% |
| Population | 13,216 | 4.2% |
View the full Champaign-Urbana-Danville market profile →
Recruiting in Ford County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Ford County, on a retained basis.
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