| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Farmers and Merchants Bank | Bank | 2 | $586.2M | 45.15% |
| 2 | JONES BANK | Bank | 2 | $275.6M | 21.23% |
| 3 | Cattle Bank and Trust | Bank | 2 | $233.7M | 18.00% |
| 4 | Union Bank and Trust Company | Bank | 1 | $95.1M | 7.33% |
| 5 | Liberty First Credit Union | Credit union | 1 | $61.0M* | 4.70% |
| 6 | First Bank of Utica | Bank | 2 | $46.7M | 3.60% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $1.30B | 6 | 10 | Farmers and Merchants Bank | 45.1% | 2,902 |
| 2024 | $1.24B | 6 | 10 | Farmers and Merchants Bank | 43.7% | 2,796 |
| 2023 | $1.20B | 6 | 10 | Farmers and Merchants Bank | 40.8% | 2,634 |
| 2022 | $1.12B | 6 | 10 | Farmers and Merchants Bank | 37.3% | 2,484 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.