Dixon-Sterling, IL holds $2.8 billion in deposits across 16 insured institutions and 43 branches, ranking #282 of 293 U.S. markets by economic output. Sauk Valley Bank & Trust Company is the largest deposit holder at 20.6% share. The top three institutions hold 47.6% of deposits, which places the market in the moderate band. Deposits have grown 9% since 2020 while the branch count fell by 6.
Deposit trend
Branches: 49 in 2020 to 43 in 2025. Institutions: 18 to 16. Top-three share: 46.5% to 47.6%. Deposits per branch: $65M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Sauk Valley Bank & Trust Company | 0.6B | 20.6% | +21% |
| Midland States Bank | 0.4B | 14.3% | -2% |
| Farmers National Bank | 0.4B | 12.6% | +22% |
| Sterling Federal Bank | 0.3B | 12.4% | +12% |
| Community State Bank of Rock Falls | 0.3B | 10.1% | +5% |
| The First National Bank in Amboy | 0.2B | 8.3% | +21% |
| U.S. Bank | 0.2B | 5.4% | +8% |
| Central Bank Illinois | 0.1B | 3.7% | +79% |
| Morton Community Bank | 0.1B | 3.6% | +4% |
| Fifth Third Bank | 0.1B | 2.9% | +27% |
The 10 largest of 16 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 |
|---|---|---|---|---|
| Whiteside County | Illinois | $2,202M | 54,121 | 57.0% |
| Lee County | Illinois | $1,663M | 32,914 | 43.0% |
Recruiting in Dixon
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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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