County banking markets / IN / 18105
MonroeIndiana
FIPS 18105. 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 (1,001) and moderately concentrated on deposits (1,867).
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
34 branch offices and 11 institutions in 1994; 33 and 13 in 2025. Deposits booked in the county went from $912.1M to $3.42B, 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 | $963.5M | 28.19% | 4 | 12.12% |
| 2 | Old National Bank cert 3832 | $868.0M | 25.40% | 5 | 15.15% |
| 3 | First Financial Bank cert 6600 | $498.7M | 14.59% | 2 | 6.06% |
| 4 | German American Bank cert 17393 | $337.0M | 9.86% | 3 | 9.09% |
| 5 | The Peoples State Bank cert 14113 | $246.1M | 7.20% | 5 | 15.15% |
| 6 | Fifth Third Bank, National Association cert 6672 | $245.1M | 7.17% | 3 | 9.09% |
| 7 | Regions Bank cert 12368 | $99.6M | 2.91% | 3 | 9.09% |
| 8 | Owen County State Bank cert 13112 | $52.2M | 1.53% | 2 | 6.06% |
| 9 | Union Savings Bank cert 32296 | $42.1M | 1.23% | 1 | 3.03% |
| 10 | Northwest Bank cert 28178 | $28.4M | 0.83% | 1 | 3.03% |
| 11 | Farmers and Mechanics Federal Savings Bank cert 28478 | $18.5M | 0.54% | 1 | 3.03% |
| 12 | Jackson County Bank cert 13109 | $16.5M | 0.48% | 2 | 6.06% |
| 13 | Woodforest National Bank cert 23220 | $1.9M | 0.06% | 1 | 3.03% |
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.