Livingston County, Illinois, a core county of the Bloomington-Pontiac, IL market, holds $1.4B in deposits across 12 insured institutions and 25 branches. Bank of Pontiac is the largest deposit holder at 43.1% share. The top three institutions hold 68.5% of deposits, which places the county in the concentrated band. Deposits have grown 18.8% since 2020. It produces $2.3B of output, ranking #885 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 25 in 2020 to 25 in 2025. Institutions: 14 to 12. Top-three share: 64.1% to 68.5%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Bank of Pontiac | $604M | 43.1% | +23% |
| State Bank of Graymont | $240M | 17.2% | +46% |
| First State Bank of Forrest | $115M | 8.2% | +39% |
| Peoples National Bank of Kewanee | $111M | 7.9% | +9% |
| Flanagan State Bank | $84M | 6.0% | +51% |
| First Financial Bank, National Association | $81M | 5.8% | +15% |
| Vermilion Valley Bank | $50M | 3.6% | +61% |
| Morton Community Bank | $45M | 3.2% | +4% |
| Midland States Bank | $23M | 1.7% | +5% |
| Campus State Bank | $22M | 1.6% | +22% |
The 10 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Bloomington-Pontiac market
Livingston County is one of 2 counties that make up the Bloomington-Pontiac, IL market, a Combined Statistical Area (ranked #154 of 293 U.S. markets by economic output). It produces 14.4% of the market’s output and holds 23.5% of its deposits.
| Measure | Livingston County | Share of Bloomington-Pontiac market |
|---|---|---|
| 2024 GDP | $2.3B | 14.4% |
| Deposits | $1.4B | 23.5% |
| Population | 35,057 | 17.0% |
View the full Bloomington-Pontiac market profile →
Recruiting in Livingston 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 Livingston County, on a retained basis.
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