County banking markets / IN / 18081
JohnsonIndiana
FIPS 18081. 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 (637) and unconcentrated on deposits (906).
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
44 branch offices and 13 institutions in 1994; 45 and 22 in 2025. Deposits booked in the county went from $823.6M to $3.86B, 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 | JPMorgan Chase Bank, National Association cert 628 | $617.2M | 16.01% | 3 | 6.67% |
| 2 | Fifth Third Bank, National Association cert 6672 | $506.5M | 13.14% | 4 | 8.89% |
| 3 | Horizon Bank cert 4360 | $428.9M | 11.12% | 5 | 11.11% |
| 4 | The Huntington National Bank cert 6560 | $400.2M | 10.38% | 4 | 8.89% |
| 5 | PNC Bank, National Association cert 6384 | $331.2M | 8.59% | 3 | 6.67% |
| 6 | First Merchants Bank cert 4365 | $267.0M | 6.93% | 3 | 6.67% |
| 7 | Mutual Savings Bank cert 27742 | $244.3M | 6.34% | 4 | 8.89% |
| 8 | BMO Bank National Association cert 16571 | $203.8M | 5.29% | 3 | 6.67% |
| 9 | First Financial Bank cert 6600 | $157.6M | 4.09% | 1 | 2.22% |
| 10 | The National Bank of Indianapolis cert 33860 | $157.3M | 4.08% | 1 | 2.22% |
| 11 | Jackson County Bank cert 13109 | $98.6M | 2.56% | 1 | 2.22% |
| 12 | KeyBank National Association cert 17534 | $90.5M | 2.35% | 1 | 2.22% |
| 13 | Stock Yards Bank & Trust Company cert 258 | $63.7M | 1.65% | 2 | 4.44% |
| 14 | Regions Bank cert 12368 | $63.4M | 1.64% | 1 | 2.22% |
| 15 | Old National Bank cert 3832 | $50.7M | 1.32% | 1 | 2.22% |
| 16 | Union Savings Bank cert 32296 | $39.5M | 1.03% | 1 | 2.22% |
| 17 | Home Bank SB cert 29881 | $35.0M | 0.91% | 1 | 2.22% |
| 18 | Lake City Bank cert 13102 | $30.7M | 0.80% | 1 | 2.22% |
| 19 | Bank of America, National Association cert 3510 | $26.4M | 0.69% | 1 | 2.22% |
| 20 | Citizens Bank cert 9647 | $20.2M | 0.52% | 1 | 2.22% |
| 21 | First National Bank cert 4324 | $19.2M | 0.50% | 1 | 2.22% |
| 22 | Woodforest National Bank cert 23220 | $3.4M | 0.09% | 2 | 4.44% |
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.