Whiteside County, Illinois, a core county of the Dixon-Sterling, IL market, holds $1.9B in deposits across 13 insured institutions and 28 branches. Sauk Valley Bank & Trust Company is the largest deposit holder at 23.2% share. The top three institutions hold 54.1% of deposits, which places the county in the moderately concentrated band. Deposits have grown 11.9% since 2020 while the branch count fell by 2. It produces $2.2B of output, ranking #896 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 30 in 2020 to 28 in 2025. Institutions: 15 to 13. Top-three share: 51.8% to 54.1%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Sauk Valley Bank & Trust Company | $451M | 23.2% | +18% |
| Farmers National Bank | $350M | 18.0% | +22% |
| Community State Bank of Rock Falls | $250M | 12.8% | +9% |
| Sterling Federal Bank, F.S.B. | $222M | 11.4% | +12% |
| Midland States Bank | $187M | 9.6% | +5% |
| Central Bank Illinois | $102M | 5.3% | +79% |
| Morton Community Bank | $100M | 5.2% | +4% |
| U.S. Bank National Association | $88M | 4.5% | -9% |
| Fifth Third Bank, National Association | $81M | 4.2% | +27% |
| TBK BANK, SSB | $58M | 3.0% | +25% |
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 Dixon-Sterling market
Whiteside 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 57.0% of the market’s output and holds 69.9% of its deposits.
| Measure | Whiteside County | Share of Dixon-Sterling market |
|---|---|---|
| 2024 GDP | $2.2B | 57.0% |
| Deposits | $1.9B | 69.9% |
| Population | 54,121 | 62.2% |
View the full Dixon-Sterling market profile →
Recruiting in Whiteside 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 Whiteside County, on a retained basis.
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