Market Intelligence › Bloomington-Pontiac, IL

Bloomington-Pontiac, IL, a Combined Statistical Area, holds $6.0 billion in deposits across 32 insured institutions and 70 branches, ranking #154 of 293 U.S. markets by economic output. Heartland Bank and Trust Company is the largest deposit holder at 15.2% share. The top three institutions hold 39.4% of deposits, which places the market in the fragmented band. Deposits have declined 62.9% since 2020 while the branch count fell by 11.4%.

Economic scale

2024 Real GDP

$15.7B

#154 of 293

Population

206K

#197 of 293

GDP per Capita

$76,069

#16 of 293

Deposit market

Total Deposits

$6.0B

#175 of 293

Deposits per Capita

$29,059

#116 of 293

Deposits per Branch

$85M

#221 of 293

Competitive structure

Insured Institutions

#80 of 293

Branches per 100k Pop.

33.9

#59 of 293

Median Deposits per Institution

$81M

The median deposits booked by a single institution in the market. #284 of 293. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.

Community & Regional Bank Share

75.3%

of market deposits held by banks with $100M to $50B in assets. #73 of 293. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.

Top-3 Deposit Share: fragmented

39.4%

The combined deposit share of the three largest institutions in the market. A lower share means deposits are spread across more institutions.

Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Total market deposits (nominal), 2020 to 2025 -62.9% over 5 years

$16.1B

2020

$5.3B

2021

$5.7B

2022

$5.5B

2023

$5.8B

2024

$6.0B

2025

Deposits moved -66.9% between 2020 and 2021, alongside a sharp shift in concentration. Large single-institution changes usually reflect where balances are booked, following a merger, acquisition, or internal reorganization, rather than lending or deposit-gathering in the local economy. Read this trend with that in mind.

Branches: 79 in 2020 to 70 in 2025. Institutions: 35 to 32. Top-three share: 78.5% to 39.4%. Deposits per branch: $85M.

A note on this trend. State Farm Bank, F.S.B. booked $11.4 billion at 2 offices in this market in 2020, a headquarters or online-bank booking, not local retail deposits. That balance was booked here in 2020 but was gone by 2025, so the 62.9% decline shown here mainly reflects that reclassification rather than local market activity. Setting such headquarters-booked balances aside, deposits were about $4.7 billion in 2020 and $6.0 billion in 2025. Deposits are recorded where a branch reports them, which can differ from where customers are.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr
Heartland Bank and Trust Company	$0.9B	15.2%	9	+57%
Commerce Bank	$0.8B	13.2%	2	+17%
Bank of Pontiac	$0.7B	11.0%	8	+34%
Busey Bank	$0.6B	10.5%	3	+20%
PNC Bank	$0.6B	10.1%	3	+18%
JPMorgan Chase Bank	$0.4B	7.3%	1	+19%
State Bank of Graymont	$0.3B	4.7%	5	+45%
U.S. Bank	$0.2B	3.3%	2	-98%
Flanagan State Bank	$0.2B	3.1%	5	+52%
First State Bank and Trust	$0.1B	2.3%	2	no 2020 presence
First Financial Bank	$137M	2.3%	4	+12%
First State Bank of Forrest	$115M	1.9%	2	+39%
Morton Community Bank	$112M	1.9%	3	-13%
Peoples National Bank of Kewanee	$111M	1.9%	1	+9%
First State Bank	$103M	1.7%	1	+5%
CIBM Bank	$86M	1.4%	1	+41%
Regions Bank	$77M	1.3%	1	-5%
Anchor State Bank	$51M	0.8%	1	+242%
Vermilion Valley Bank	$50M	0.8%	2	+61%
First Mid Bank & Trust	$47M	0.8%	1	+146%
Peoples State Bank of Colfax	$40M	0.7%	1	+20%
Prairie State Bank and Trust	$36M	0.6%	1	+25%
First Security Bank	$34M	0.6%	1	+57%
United Community Bank	$33M	0.6%	1	+50%
Citizens Bank of Chatsworth	$33M	0.5%	2	+5%
Midland States Bank	$23M	0.4%	1	+5%
Campus State Bank	$22M	0.4%	1	+22%
INB	$17M	0.3%	1	+167%
The Atlanta National Bank	$12M	0.2%	1	+64%
Bank of Springfield	$6M	0.1%	1	no 2020 presence
Woodforest National Bank	$5M	0.1%	1	+49%
Country Trust Bank	$1M	0.0%	1	+15%

The 32 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

County	State	GDP	Population	Share of Market GDP	Share of Market Deposits
McLean County	Illinois	$13.4B	171,419	85.6%	76.5%
Livingston County	Illinois	$2.3B	35,057	14.4%	23.5%

Recruiting in the Bloomington-Pontiac market

No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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 this one.

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Deposit trend

Institutions by deposits

Counties in this market

Recruiting in the Bloomington-Pontiac market

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