County banking markets / IN / 18163
VanderburghIndiana
FIPS 18163. 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 (1,319) and highly concentrated on deposits (3,126).
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
63 branch offices and 9 institutions in 1994; 48 and 13 in 2025. Deposits booked in the county went from $2.40B to $11.59B, 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 | $4.99B | 43.10% | 12 | 25.00% |
| 2 | United Fidelity Bank, fsb cert 29566 | $3.79B | 32.70% | 5 | 10.42% |
| 3 | Fifth Third Bank, National Association cert 6672 | $1.50B | 12.91% | 7 | 14.58% |
| 4 | German American Bank cert 17393 | $465.9M | 4.02% | 6 | 12.50% |
| 5 | First Federal Savings Bank cert 29056 | $384.8M | 3.32% | 5 | 10.42% |
| 6 | Banterra Bank cert 17514 | $244.2M | 2.11% | 3 | 6.25% |
| 7 | The First National Bank of Carmi cert 3777 | $77.2M | 0.67% | 2 | 4.17% |
| 8 | Regions Bank cert 12368 | $35.0M | 0.30% | 1 | 2.08% |
| 9 | First Financial Bank, National Association cert 4382 | $26.0M | 0.22% | 1 | 2.08% |
| 10 | Legence Bank cert 10886 | $24.5M | 0.21% | 1 | 2.08% |
| 11 | Field & Main Bank cert 13838 | $23.3M | 0.20% | 1 | 2.08% |
| 12 | Peoples Trust and Savings Bank cert 13113 | $21.1M | 0.18% | 2 | 4.17% |
| 13 | Woodforest National Bank cert 23220 | $6.0M | 0.05% | 2 | 4.17% |
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.