Dixon-Sterling, IL, a Combined Statistical Area, holds $2.9 billion in deposits across 16 insured institutions and 43 branches, and ranks #282 of 293 U.S. markets by economic output. Sauk Valley Bank & Trust Company is the largest deposit holder at 21.2% share. The top three banks hold 48% of deposits, which places the market in the Moderate band.
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
Branches: 46 in 2021 to 43 in 2026. Institutions: 18 to 16. Top-three share: 46% to 48%. Average deposits per branch: $67M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Sauk Valley Bank & Trust Company | $611M | 21.2% | +26% |
| Midland States Bank | $426M | 14.8% | -8% |
| Farmers National Bank | $349M | 12.1% | +2% |
| Sterling Federal Bank, F.S.B. | $342M | 11.8% | -2% |
| Community State Bank of Rock Falls | $281M | 9.7% | -4% |
| The First National Bank in Amboy | $241M | 8.4% | +10% |
| U.S. Bank | $158M | 5.5% | -2% |
| Central Bank Illinois | $124M | 4.3% | +97% |
| Morton Community Bank | $100M | 3.5% | -2% |
| Fifth Third Bank | $75M | 2.6% | +15% |
| TBK Bank, SSB | $71M | 2.5% | +40% |
| First State Bank | $38M | 1.3% | -30% |
| First State Bank of Forrest | $27M | 0.9% | +18% |
| First Federal Savings Bank | $25M | 0.9% | -19% |
| Peoples National Bank of Kewanee | $16M | 0.5% | +11% |
| Woodforest National Bank | $3M | 0.1% | +1% |
The 16 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 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 | |
|---|---|---|---|---|---|
| Whiteside County | Illinois | $2.2B | 54,121 | 57.0% | 70.8% |
| Lee County | Illinois | $1.7B | 32,914 | 43.0% | 29.2% |
Recruiting in the Dixon-Sterling market
Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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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