| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Farmers and Merchants Bank | Bank | 2 | $628.9M | 46.80% |
| 2 | JONES BANK | Bank | 2 | $276.1M | 20.55% |
| 3 | Cattle Bank and Trust | Bank | 2 | $232.7M | 17.32% |
| 4 | Union Bank and Trust Company | Bank | 1 | $97.0M | 7.22% |
| 5 | Liberty First Credit Union | Credit union | 1 | $62.5M* | 4.65% |
| 6 | First Bank of Utica | Bank | 2 | $46.6M | 3.46% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.34B | 6 | 10 | Farmers and Merchants Bank | 46.8% | 2,998 |
| 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 | 40.7% | 2,628 |
| 2022 | $1.12B | 6 | 10 | Farmers and Merchants Bank | 37.3% | 2,478 |
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.