Macon County, Illinois, a core county of the Decatur, IL market, holds $2.3B in deposits across 13 insured institutions and 34 branches. Busey Bank is the largest deposit holder at 21.6% share. The top three banks hold 61% of deposits, which places the county in the Concentrated band. Deposits have grown 11.6% since 2020 while the branch count fell by 12.8%. It produces $7.0B of output, ranking #471 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: 39 in 2020 to 34 in 2025. Institutions: 13 to 13. Top-three share: 61% to 61%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Busey Bank | $500M | 21.6% | +8% |
| Hickory Point Bank and Trust | $493M | 21.3% | +7% |
| First Mid Bank & Trust | $410M | 17.7% | +23% |
| Regions Bank | $267M | 11.5% | +5% |
| PNC Bank | $159M | 6.9% | +1% |
| Prairie State Bank and Trust | $130M | 5.6% | -2% |
| First National Bank of Pana | $103M | 4.5% | +189% |
| Scott State Bank | $84M | 3.7% | +16% |
| The Gerber State Bank | $75M | 3.2% | +13% |
| Heartland Bank and Trust Company | $40M | 1.7% | no 2020 presence |
| Buena Vista National Bank | $31M | 1.3% | +71% |
| Peoples Bank of Macon | $20M | 0.9% | +8% |
| Woodforest National Bank | $2M | 0.1% | -4% |
The 13 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 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 Decatur market
Macon County is the only county in the Decatur, IL market, a Metropolitan Statistical Area (ranked #244 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.
| Measure | Macon County | Share of parent market |
|---|---|---|
| 2024 GDP | $7.0B | 100.0% |
| Deposits | $2.3B | 100.0% |
| Population | 99,300 | 100.0% |
View the full Decatur market profile →
Recruiting in Macon 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 Macon County.
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