County banking markets / IL / 17111
McHenryIllinois
FIPS 17111. 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 (691) and unconcentrated on deposits (965).
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
65 branch offices and 33 institutions in 1994; 79 and 24 in 2025. Deposits booked in the county went from $2.34B to $9.45B, 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 | Crystal Lake Bank and Trust Company, National Association cert 34681 | $1.62B | 17.11% | 6 | 7.59% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $1.39B | 14.74% | 7 | 8.86% |
| 3 | BMO Bank National Association cert 16571 | $1.36B | 14.35% | 11 | 13.92% |
| 4 | American Community Bank & Trust cert 35412 | $894.4M | 9.46% | 4 | 5.06% |
| 5 | Home State Bank, National Association cert 12815 | $678.9M | 7.18% | 7 | 8.86% |
| 6 | Fifth Third Bank, National Association cert 6672 | $529.2M | 5.60% | 5 | 6.33% |
| 7 | First National Bank of Omaha cert 5452 | $419.1M | 4.43% | 6 | 7.59% |
| 8 | Old National Bank cert 3832 | $326.3M | 3.45% | 2 | 2.53% |
| 9 | First Secure State Bank cert 22971 | $243.8M | 2.58% | 7 | 8.86% |
| 10 | U.S. Bank National Association cert 6548 | $237.5M | 2.51% | 2 | 2.53% |
| 11 | The Huntington National Bank cert 6560 | $220.2M | 2.33% | 3 | 3.80% |
| 12 | The Harvard State Bank cert 9079 | $208.6M | 2.21% | 3 | 3.80% |
| 13 | Citibank, National Association cert 7213 | $202.0M | 2.14% | 1 | 1.27% |
| 14 | PNC Bank, National Association cert 6384 | $186.6M | 1.97% | 2 | 2.53% |
| 15 | Associated Bank, National Association cert 5296 | $167.1M | 1.77% | 2 | 2.53% |
| 16 | Prairie Community Bank cert 34526 | $159.9M | 1.69% | 2 | 2.53% |
| 17 | Bank of America, National Association cert 3510 | $150.1M | 1.59% | 1 | 1.27% |
| 18 | State Bank of the Lakes, National Association cert 5744 | $144.3M | 1.53% | 1 | 1.27% |
| 19 | First Mid Bank & Trust, National Association cert 3705 | $104.6M | 1.11% | 1 | 1.27% |
| 20 | Cornerstone National Bank & Trust Company cert 57061 | $74.6M | 0.79% | 1 | 1.27% |
| 21 | Heartland Bank and Trust Company cert 20369 | $58.6M | 0.62% | 1 | 1.27% |
| 22 | Sauk Valley Bank & Trust Company cert 35131 | $45.2M | 0.48% | 1 | 1.27% |
| 23 | North Shore Bank cert 28679 | $28.5M | 0.30% | 1 | 1.27% |
| 24 | Woodforest National Bank cert 23220 | $7.5M | 0.08% | 2 | 2.53% |
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.