McLean County, Illinois, a core county of the Bloomington-Pontiac, IL market, holds $4.6B in deposits across 26 insured institutions and 45 branches. Heartland Bank and Trust Company is the largest deposit holder at 19.8% share. The top three institutions hold 50.8% of deposits, which places the county in the moderately concentrated band. Deposits have fallen 69.4% since 2020 while the branch count fell by 9. It produces $13.4B of output, ranking #292 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 54 in 2020 to 45 in 2025. Institutions: 27 to 26. Top-three share: 84.7% to 50.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Heartland Bank and Trust Company | $906M | 19.8% | +57% |
| Commerce Bank | $788M | 17.2% | +17% |
| Busey Bank | $625M | 13.7% | +31% |
| PNC Bank, National Association | $602M | 13.2% | +18% |
| JPMorgan Chase Bank, National Association | $438M | 9.6% | +19% |
| U.S. Bank National Association | $198M | 4.3% | -98% |
| First State Bank and Trust | $139M | 3.0% | no 2020 presence |
| Flanagan State Bank | $103M | 2.3% | +54% |
| First State Bank | $103M | 2.2% | +5% |
| CIBM Bank | $86M | 1.9% | +41% |
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 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 Bloomington-Pontiac market
McLean 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 85.6% of the market’s output and holds 76.5% of its deposits.
| Measure | McLean County | Share of Bloomington-Pontiac market |
|---|---|---|
| 2024 GDP | $13.4B | 85.6% |
| Deposits | $4.6B | 76.5% |
| Population | 171,419 | 83.0% |
View the full Bloomington-Pontiac market profile →
Recruiting in McLean County
Deposits are split among a moderate 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 McLean County, on a retained basis.
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