Lists · Deposits by metro area
Ottawa, IL Metro Area Bank Deposit Market Share
American Commercial Bank & Trust, N.A. holds the largest share of deposits in the Ottawa, IL metro area, 21.1%, followed by First State Bank (13.5%) and Midland States Bank (8.7%). 26 institutions hold $5.55B at 72 offices as of June 30, 2026, up 3.3% from 2025.
Largest share changes since 2025
Gained: American Commercial Bank & Trust, N.A. (1.45 points); Central Bank Illinois (0.83 points); Old National Bank (0.25 points).
Lost: First State Bank (-0.58 points); Hometown National Bank (-0.36 points); Heartland Bank and Trust Company (-0.34 points).
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | American Commercial Bank & Trust, N.A. | $1.17B | 21.13% | +1.45 pts |
| 2 | First State Bank | $750.8M | 13.52% | -0.58 pts |
| 3 | Midland States Bank | $485.3M | 8.74% | -0.26 pts |
| 4 | Heartland Bank and Trust Company | $379.3M | 6.83% | -0.34 pts |
| 5 | Central Bank Illinois | $289.5M | 5.21% | +0.83 pts |
| 6 | Eureka Savings Bank | $278.2M | 5.01% | -0.06 pts |
| 7 | Osb Community Bank | $234.8M | 4.23% | +0.10 pts |
| 8 | First Federal Savings Bank | $195.8M | 3.53% | -0.25 pts |
| 9 | Hometown National Bank | $182.7M | 3.29% | -0.36 pts |
| 10 | Spring Valley City Bank | $179.1M | 3.23% | -0.04 pts |
| 11 | Peru Federal Savings Bank | $172.8M | 3.11% | -0.15 pts |
| 12 | Lasalle State Bank | $155.9M | 2.81% | -0.12 pts |
| 13 | North Central Bank | $144.7M | 2.60% | -0.11 pts |
| 14 | Illini State Bank | $124.5M | 2.24% | -0.13 pts |
| 15 | Streator Home Savings Bank | $106.5M | 1.92% | -0.11 pts |
| 16 | State Bank of Cherry | $105.5M | 1.90% | -0.10 pts |
| 17 | The Granville National Bank | $105.1M | 1.89% | +0.00 pts |
| 18 | Peoples National Bank of Kewanee | $95.7M | 1.72% | -0.05 pts |
| 19 | Community State Bank | $89.6M | 1.61% | +0.20 pts |
| 20 | Old National Bank | $71.5M | 1.29% | +0.25 pts |
| 21 | Marseilles Bank | $68.1M | 1.23% | +0.02 pts |
| 22 | Old Second National Bank | $51.5M | 0.93% | -0.09 pts |
| 23 | Grand Ridge National Bank | $40.5M | 0.73% | -0.03 pts |
| 24 | First State Bank of Van Orin | $35.4M | 0.64% | -0.07 pts |
| 25 | Resource Bank, N.A. | $34.1M | 0.61% | +0.02 pts |
| 26 | Woodforest National Bank | $3.1M | 0.05% | 0.00 pts |
About this list
Deposits are those held at each institution's offices in Ottawa, IL (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.
Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.
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