County banking markets / IL / 17093
KendallIllinois
FIPS 17093. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 102 counties in Illinois’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (919) and unconcentrated on deposits (1,241).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
10 branch offices and 7 institutions in 1994; 27 and 14 in 2025. Deposits booked in the county went from $309.6M to $2.89B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Servbank,sb cert 55130 | $546.6M | 18.94% | 1 | 3.70% |
| 2 | First National Bank of Omaha cert 5452 | $486.8M | 16.87% | 4 | 14.81% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $435.6M | 15.09% | 2 | 7.41% |
| 4 | Old Second National Bank cert 3603 | $397.2M | 13.76% | 4 | 14.81% |
| 5 | BMO Bank National Association cert 16571 | $194.7M | 6.75% | 2 | 7.41% |
| 6 | Fifth Third Bank, National Association cert 6672 | $172.9M | 5.99% | 2 | 7.41% |
| 7 | Byline Bank cert 20624 | $166.0M | 5.75% | 2 | 7.41% |
| 8 | Old National Bank cert 3832 | $144.4M | 5.00% | 1 | 3.70% |
| 9 | Midland States Bank cert 1040 | $131.1M | 4.54% | 2 | 7.41% |
| 10 | Heartland Bank and Trust Company cert 20369 | $117.4M | 4.07% | 3 | 11.11% |
| 11 | U.S. Bank National Association cert 6548 | $37.2M | 1.29% | 1 | 3.70% |
| 12 | Waterman Bank cert 10878 | $37.0M | 1.28% | 1 | 3.70% |
| 13 | American Commercial Bank & Trust, National Association cert 3719 | $14.5M | 0.50% | 1 | 3.70% |
| 14 | Woodforest National Bank cert 23220 | $4.4M | 0.15% | 1 | 3.70% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Illinois, or read the methodology for the two HHI constructions and what they cannot tell you.