McLean County, Illinois, a core county of the Bloomington-Pontiac, IL market, holds $4.6B in deposits across 26 insured institutions and 46 branches. Heartland Bank and Trust Company is the largest deposit holder at 20.6% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have grown 13.9% since 2021 while the branch count fell by 11.5%. It produced $13.4B of real gross domestic product in 2024, ranking #292 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: 52 in 2021 to 46 in 2026. Institutions: 27 to 26. Top-three share: 50% to 51%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Heartland Bank and Trust Company | $941M | 20.6% | +40% |
| Commerce Bank | $753M | 16.5% | -3% |
| Busey Bank | $638M | 14.0% | +32% |
| PNC Bank | $613M | 13.4% | +6% |
| JPMorgan Chase Bank | $445M | 9.7% | +11% |
| U.S. Bank | $151M | 3.3% | -3% |
| First State Bank and Trust | $135M | 3.0% | -6% |
| First State Bank | $104M | 2.3% | -6% |
| Flanagan State Bank | $100M | 2.2% | +24% |
| Regions Bank | $82M | 1.8% | -8% |
| CIBM Bank | $81M | 1.8% | +35% |
| Morton Community Bank | $67M | 1.5% | -33% |
| Anchor State Bank | $64M | 1.4% | +201% |
| Bank of Pontiac | $53M | 1.2% | +16% |
| First Financial Bank | $52M | 1.1% | -18% |
| Peoples State Bank of Colfax | $44M | 1.0% | +12% |
| First Mid Bank & Trust | $44M | 1.0% | +63% |
| State Bank of Graymont | $40M | 0.9% | +21% |
| United Community Bank | $36M | 0.8% | +42% |
| First Security Bank | $36M | 0.8% | +40% |
| Prairie State Bank and Trust | $35M | 0.8% | -3% |
| INB | $14M | 0.3% | +42% |
| Citizens Bank of Chatsworth | $12M | 0.3% | -12% |
| The Atlanta National Bank | $11M | 0.2% | +6% |
| Bank of Springfield | $11M | 0.2% | no 2021 presence |
| Country Trust Bank | $1M | <0.1% | +19% |
The 26 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 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 76.0% of its deposits.
| Measure | McLean County | Share of parent market |
|---|---|---|
| 2024 GDP | $13.4B | 85.6% |
| Deposits | $4.6B | 76.0% |
| 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.
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