Lee County, Illinois, a core county of the Dixon-Sterling, IL market, holds $843M in deposits across 10 insured institutions and 15 branches. The First National Bank in Amboy is the largest deposit holder at 28.6% share. The top three banks hold 67% of deposits, which places the county in the Concentrated band. Deposits have fallen 5.8% since 2021 while the branch count fell by 16.7%. It produced $1.7B of real gross domestic product in 2024, ranking #1,003 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 18 in 2021 to 15 in 2026. Institutions: 11 to 10. Top-three share: 67% to 67%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| The First National Bank in Amboy | $241M | 28.6% | +10% |
| Midland States Bank | $201M | 23.8% | -23% |
| Sterling Federal Bank, F.S.B. | $127M | 15.0% | +8% |
| Sauk Valley Bank & Trust Company | $126M | 15.0% | +64% |
| U.S. Bank | $63M | 7.5% | +37% |
| First State Bank | $38M | 4.5% | -30% |
| Community State Bank of Rock Falls | $31M | 3.6% | -30% |
| First Federal Savings Bank | $12M | 1.5% | -8% |
| Woodforest National Bank | $3M | 0.4% | +1% |
| Central Bank Illinois | $0M | 0.0% | no 2021 presence |
The 10 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Dixon-Sterling market
Lee County is one of 2 counties that make up the Dixon-Sterling, IL market, a Combined Statistical Area (ranked #282 of 293 U.S. markets by economic output). It produces 43.0% of the market’s output and holds 29.2% of its deposits.
| Measure | Lee County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.7B | 43.0% |
| Deposits | $843M | 29.2% |
| Population | 32,914 | 37.8% |
View the full Dixon-Sterling market profile →
Recruiting in Lee 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 Lee County.
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