County banking markets / IL / 17097
LakeIllinois
FIPS 17097. 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 (641) and unconcentrated on deposits (1,141).
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
131 branch offices and 53 institutions in 1994; 150 and 29 in 2025. Deposits booked in the county went from $6.28B to $30.79B, 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 | Lake Forest Bank & Trust Company, National Association cert 27589 | $7.07B | 22.96% | 7 | 4.67% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $5.71B | 18.55% | 21 | 14.00% |
| 3 | Libertyville Bank & Trust Company, National Association cert 34073 | $2.52B | 8.20% | 8 | 5.33% |
| 4 | Old National Bank cert 3832 | $2.38B | 7.74% | 10 | 6.67% |
| 5 | Bank of America, National Association cert 3510 | $1.64B | 5.34% | 10 | 6.67% |
| 6 | State Bank of the Lakes, National Association cert 5744 | $1.54B | 5.01% | 5 | 3.33% |
| 7 | The Northern Trust Company cert 913 | $1.49B | 4.85% | 2 | 1.33% |
| 8 | BMO Bank National Association cert 16571 | $1.45B | 4.71% | 13 | 8.67% |
| 9 | Fifth Third Bank, National Association cert 6672 | $1.11B | 3.60% | 10 | 6.67% |
| 10 | PNC Bank, National Association cert 6384 | $960.7M | 3.12% | 12 | 8.00% |
| 11 | U.S. Bank National Association cert 6548 | $674.3M | 2.19% | 7 | 4.67% |
| 12 | First Bank Chicago cert 17470 | $538.5M | 1.75% | 1 | 0.67% |
| 13 | The Huntington National Bank cert 6560 | $485.5M | 1.58% | 9 | 6.00% |
| 14 | Citibank, National Association cert 7213 | $443.0M | 1.44% | 2 | 1.33% |
| 15 | Northbrook Bank and Trust Company, National Association cert 57082 | $433.1M | 1.41% | 2 | 1.33% |
| 16 | First American Bank cert 3657 | $378.0M | 1.23% | 7 | 4.67% |
| 17 | CIBC Bank USA cert 33306 | $364.8M | 1.18% | 1 | 0.67% |
| 18 | The Federal Savings Bank cert 35518 | $305.5M | 0.99% | 1 | 0.67% |
| 19 | Byline Bank cert 20624 | $296.4M | 0.96% | 3 | 2.00% |
| 20 | North Shore Trust and Savings cert 27683 | $211.5M | 0.69% | 3 | 2.00% |
| 21 | Barrington Bank & Trust Company, National Association cert 34395 | $176.9M | 0.57% | 2 | 1.33% |
| 22 | Associated Bank, National Association cert 5296 | $166.8M | 0.54% | 3 | 2.00% |
| 23 | BankFinancial, National Association cert 28808 | $138.5M | 0.45% | 4 | 2.67% |
| 24 | Heartland Bank and Trust Company cert 20369 | $129.5M | 0.42% | 1 | 0.67% |
| 25 | Cornerstone National Bank & Trust Company cert 57061 | $82.3M | 0.27% | 1 | 0.67% |
| 26 | Armed Forces Bank, National Association cert 4666 | $37.3M | 0.12% | 1 | 0.67% |
| 27 | Parkway Bank and Trust Company cert 19008 | $31.4M | 0.10% | 2 | 1.33% |
| 28 | Republic Bank of Chicago cert 19333 | $6.3M | 0.02% | 1 | 0.67% |
| 29 | Woodforest National Bank cert 23220 | $5.4M | 0.02% | 1 | 0.67% |
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.