County banking markets / IN / 18141
St. JosephIndiana
FIPS 18141. 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 moderately concentrated on branches (1,891) and highly concentrated on deposits (3,467).
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
71 branch offices and 9 institutions in 1994; 58 and 15 in 2025. Deposits booked in the county went from $2.67B to $5.80B, 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 | 1st Source Bank cert 9087 | $3.30B | 56.93% | 23 | 39.66% |
| 2 | Lake City Bank cert 13102 | $438.8M | 7.56% | 4 | 6.90% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $424.5M | 7.31% | 2 | 3.45% |
| 4 | PNC Bank, National Association cert 6384 | $386.0M | 6.65% | 4 | 6.90% |
| 5 | Old National Bank cert 3832 | $268.2M | 4.62% | 3 | 5.17% |
| 6 | KeyBank National Association cert 17534 | $226.8M | 3.91% | 4 | 6.90% |
| 7 | Fifth Third Bank, National Association cert 6672 | $200.5M | 3.46% | 2 | 3.45% |
| 8 | Centier Bank cert 12854 | $178.6M | 3.08% | 4 | 6.90% |
| 9 | Northwest Bank cert 28178 | $163.0M | 2.81% | 3 | 5.17% |
| 10 | Flagstar Bank, National Association cert 32541 | $122.1M | 2.10% | 3 | 5.17% |
| 11 | First State Bank of Middlebury cert 8745 | $35.8M | 0.62% | 1 | 1.72% |
| 12 | Horizon Bank cert 4360 | $28.3M | 0.49% | 1 | 1.72% |
| 13 | First Federal Savings Bank cert 31516 | $22.6M | 0.39% | 1 | 1.72% |
| 14 | Woodforest National Bank cert 23220 | $4.2M | 0.07% | 2 | 3.45% |
| 15 | First Merchants Bank cert 4365 | $0K | 0.00% | 1 | 1.72% |
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.