County banking markets / IN / 18057
HamiltonIndiana
FIPS 18057. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 92 counties in Indiana’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 (553) and moderately concentrated on deposits (2,062).
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
60 branch offices and 15 institutions in 1994; 115 and 30 in 2025. Deposits booked in the county went from $1.01B to $28.23B, 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 | Merchants Bank of Indiana cert 8056 | $10.99B | 38.94% | 2 | 1.74% |
| 2 | First Internet Bank of Indiana cert 34607 | $5.31B | 18.82% | 1 | 0.87% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $2.81B | 9.96% | 14 | 12.17% |
| 4 | First Merchants Bank cert 4365 | $1.89B | 6.70% | 6 | 5.22% |
| 5 | Fifth Third Bank, National Association cert 6672 | $1.02B | 3.60% | 7 | 6.09% |
| 6 | The Huntington National Bank cert 6560 | $837.5M | 2.97% | 9 | 7.83% |
| 7 | PNC Bank, National Association cert 6384 | $828.8M | 2.94% | 9 | 7.83% |
| 8 | BMO Bank National Association cert 16571 | $513.2M | 1.82% | 8 | 6.96% |
| 9 | Lake City Bank cert 13102 | $495.6M | 1.76% | 4 | 3.48% |
| 10 | United Fidelity Bank, fsb cert 29566 | $374.6M | 1.33% | 1 | 0.87% |
| 11 | KeyBank National Association cert 17534 | $361.3M | 1.28% | 5 | 4.35% |
| 12 | The National Bank of Indianapolis cert 33860 | $360.7M | 1.28% | 6 | 5.22% |
| 13 | Regions Bank cert 12368 | $312.9M | 1.11% | 5 | 4.35% |
| 14 | The Farmers Bank, Frankfort, Indiana cert 12828 | $271.4M | 0.96% | 4 | 3.48% |
| 15 | Old National Bank cert 3832 | $266.7M | 0.94% | 3 | 2.61% |
| 16 | Centier Bank cert 12854 | $242.9M | 0.86% | 3 | 2.61% |
| 17 | First Farmers Bank & Trust Co. cert 12839 | $232.5M | 0.82% | 3 | 2.61% |
| 18 | Busey Bank cert 16450 | $191.9M | 0.68% | 1 | 0.87% |
| 19 | First Financial Bank cert 6600 | $175.4M | 0.62% | 1 | 0.87% |
| 20 | STAR Financial Bank cert 27235 | $141.9M | 0.50% | 5 | 4.35% |
| 21 | Community First Bank of Indiana cert 57511 | $129.8M | 0.46% | 4 | 3.48% |
| 22 | Bank of America, National Association cert 3510 | $122.0M | 0.43% | 4 | 3.48% |
| 23 | Stock Yards Bank & Trust Company cert 258 | $99.3M | 0.35% | 1 | 0.87% |
| 24 | Citizens State Bank of New Castle, Indiana cert 13107 | $95.1M | 0.34% | 2 | 1.74% |
| 25 | Horizon Bank cert 4360 | $72.0M | 0.26% | 2 | 1.74% |
| 26 | State Bank cert 1833 | $51.0M | 0.18% | 1 | 0.87% |
| 27 | American Bank of Freedom cert 15423 | $16.8M | 0.06% | 1 | 0.87% |
| 28 | 1st Source Bank cert 9087 | $6.7M | 0.02% | 1 | 0.87% |
| 29 | The Peoples State Bank cert 14113 | $5.5M | 0.02% | 1 | 0.87% |
| 30 | Northwest Bank cert 28178 | $286K | 0.00% | 1 | 0.87% |
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 Indiana, or read the methodology for the two HHI constructions and what they cannot tell you.