Bloomington-Pontiac, IL 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 63% since 2020 while the branch count fell by 9.
Deposit trend
Branches: 79 in 2020 to 70 in 2025. Institutions: 35 to 32. Top-three share: 78.5% to 39.4%. Deposits per branch: $85M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Heartland Bank and Trust Company | 0.9B | 15.2% | +57% |
| Commerce Bank | 0.8B | 13.2% | +17% |
| Bank of Pontiac | 0.7B | 11.0% | +34% |
| Busey Bank | 0.6B | 10.5% | +20% |
| PNC Bank | 0.6B | 10.1% | +18% |
| JPMorgan Chase Bank | 0.4B | 7.3% | +19% |
| State Bank of Graymont | 0.3B | 4.7% | +45% |
| U.S. Bank | 0.2B | 3.3% | +79% |
| Flanagan State Bank | 0.2B | 3.1% | +52% |
| First State Bank and Trust | 0.1B | 2.3% | new since 2020 |
The 10 largest of 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; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| McLean County | Illinois | $13,442M | 171,419 | 85.6% |
| Livingston County | Illinois | $2,264M | 35,057 | 14.4% |
Recruiting in Bloomington
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. 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, on a retained basis.
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