County banking markets / IL / 17197
WillIllinois
FIPS 17197. 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 (655) and moderately concentrated on deposits (1,524).
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
79 branch offices and 37 institutions in 1994; 159 and 34 in 2025. Deposits booked in the county went from $3.54B to $22.90B, 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 | Old National Bank cert 3832 | $7.00B | 30.56% | 16 | 10.06% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $3.83B | 16.73% | 19 | 11.95% |
| 3 | BMO Bank National Association cert 16571 | $2.95B | 12.90% | 21 | 13.21% |
| 4 | Old Plank Trail Community Bank, National Association cert 58314 | $2.00B | 8.72% | 9 | 5.66% |
| 5 | PNC Bank, National Association cert 6384 | $948.1M | 4.14% | 9 | 5.66% |
| 6 | Bank of America, National Association cert 3510 | $794.3M | 3.47% | 10 | 6.29% |
| 7 | Fifth Third Bank, National Association cert 6672 | $665.7M | 2.91% | 6 | 3.77% |
| 8 | Busey Bank cert 16450 | $596.7M | 2.61% | 6 | 3.77% |
| 9 | The Huntington National Bank cert 6560 | $555.2M | 2.43% | 8 | 5.03% |
| 10 | U.S. Bank National Association cert 6548 | $553.9M | 2.42% | 8 | 5.03% |
| 11 | Midland States Bank cert 1040 | $282.7M | 1.23% | 4 | 2.52% |
| 12 | Old Second National Bank cert 3603 | $271.9M | 1.19% | 5 | 3.14% |
| 13 | First American Bank cert 3657 | $254.4M | 1.11% | 6 | 3.77% |
| 14 | First Bank of Manhattan cert 3702 | $246.8M | 1.08% | 3 | 1.89% |
| 15 | Citibank, National Association cert 7213 | $238.0M | 1.04% | 1 | 0.63% |
| 16 | PeopleFirst Bank cert 58597 | $212.7M | 0.93% | 2 | 1.26% |
| 17 | First Secure Community Bank cert 35223 | $196.2M | 0.86% | 1 | 0.63% |
| 18 | CIBC Bank USA cert 33306 | $180.7M | 0.79% | 2 | 1.26% |
| 19 | Heartland Bank and Trust Company cert 20369 | $169.4M | 0.74% | 3 | 1.89% |
| 20 | First Community Bank and Trust cert 15913 | $167.2M | 0.73% | 2 | 1.26% |
| 21 | Town Center Bank cert 58214 | $121.3M | 0.53% | 2 | 1.26% |
| 22 | Marquette Bank cert 16250 | $117.3M | 0.51% | 2 | 1.26% |
| 23 | Hometown National Bank cert 3691 | $88.6M | 0.39% | 1 | 0.63% |
| 24 | Grundy Bank cert 3713 | $85.6M | 0.37% | 1 | 0.63% |
| 25 | Providence Bank & Trust cert 57754 | $77.0M | 0.34% | 1 | 0.63% |
| 26 | Republic Bank of Chicago cert 19333 | $75.2M | 0.33% | 1 | 0.63% |
| 27 | BankFinancial, National Association cert 28808 | $65.6M | 0.29% | 1 | 0.63% |
| 28 | First Federal Savings Bank cert 28924 | $38.0M | 0.17% | 1 | 0.63% |
| 29 | First Secure Bank and Trust Co. cert 22536 | $34.3M | 0.15% | 1 | 0.63% |
| 30 | Wheaton Bank & Trust, National Association cert 33803 | $30.0M | 0.13% | 1 | 0.63% |
| 31 | First Savings Bank of Hegewisch cert 29809 | $25.3M | 0.11% | 1 | 0.63% |
| 32 | Woodforest National Bank cert 23220 | $13.0M | 0.06% | 3 | 1.89% |
| 33 | Midland Federal Savings and Loan Association cert 29980 | $10.5M | 0.05% | 1 | 0.63% |
| 34 | The Lemont National Bank cert 3693 | $923K | 0.00% | 1 | 0.63% |
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.