Market Intelligence › Chicago-Naperville, IL-IN-WI › Cook County

Cook County, Illinois, a core county of the Chicago-Naperville, IL-IN-WI market, holds $466.1B in deposits across 90 insured institutions and 1120 branches. JPMorgan Chase Bank is the largest deposit holder at 20.8% share. The top three banks hold 52% of deposits, which places the county in the Moderate band. Deposits have grown 11.6% since 2021 while the branch count fell by 9.0%. It produced $432.6B of real gross domestic product in 2024, ranking #4 of the 1,523 ranked counties by economic output.

Economic scale

2024 Real GDP

$432.6B

#4 of 1,523

Population

5,194,625

#2 of 1,523

GDP per Capita

$83,270

#112 of 1,523

Deposit market

Deposits (SOD, 6/30/26)

$466.1B

#7 of 1,523

Deposits per Capita

$89,729

#29 of 1,523

Deposits per Branch

$416M

#27 of 1,523

Competitive structure

Insured Institutions

#3 of 1,523

Branches per 100k Pop.

21.6

#895 of 1,523

Median Deposits per Institution

$528M

The median deposits booked by a single institution in the county. #39 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.

Community & Regional Bank Share

27.7%

of county deposits held by banks with $100M to $100B in assets. #1,346 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.

Top-3 Banks’ Deposit Share: Moderate

52%

The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2021 to 2026)+11.6% over 5 years

$417.5B

2021

$441.4B

2022

$416.0B

2023

$432.5B

2024

$441.8B

2025

$466.1B

2026

Branches: 1231 in 2021 to 1120 in 2026. Institutions: 100 to 90. Top-three share: 51% to 52%.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr deposits
JPMorgan Chase Bank	$96.9B	20.8%	156	-3%
BMO Bank	$94.2B	20.2%	84	+32%
CIBC Bank USA	$49.0B	10.5%	5	+62%
The Northern Trust Company	$39.1B	8.4%	2	+6%
Bank of America	$35.7B	7.7%	81	-14%
Fifth Third Bank	$18.2B	3.9%	100	-11%
Wells Fargo Bank	$12.0B	2.6%	16	+5%
U.S. Bank	$12.0B	2.6%	73	+25%
Citibank	$10.6B	2.3%	43	-35%
PNC Bank	$10.4B	2.2%	70	+8%
Wintrust Bank	$8.3B	1.8%	37	+9%
The Huntington National Bank	$7.7B	1.7%	85	+2%
Byline Bank	$7.0B	1.5%	39	+32%
Old National Bank	$6.1B	1.3%	33	-8%
Northbrook Bank and Trust Company	$4.9B	1.1%	5	+53%
Barrington Bank & Trust Company	$3.9B	0.8%	7	+651%
Associated Bank	$3.5B	0.7%	6	+29%
State Bank of India	$3.3B	0.7%	1	+229%
Village Bank and Trust	$3.0B	0.6%	8	+55%
First American Bank	$2.5B	0.5%	22	+29%
Parkway Bank and Trust Company	$2.4B	0.5%	16	+26%
Beverly Bank & Trust Company	$2.3B	0.5%	8	+49%
Lakeside Bank	$2.2B	0.5%	8	+18%
Signature Bank	$1.8B	0.4%	3	+52%
Marquette Bank	$1.6B	0.4%	20	+7%
Western Alliance Bank	$1.5B	0.3%	1	no 2021 presence
Busey Bank	$1.4B	0.3%	5	+7%
Hinsdale Bank & Trust Company	$1.3B	0.3%	9	+41%
First Bank Chicago	$1.2B	0.3%	2	+57%
Cathay Bank	$1.2B	0.3%	1	+203%
Republic Bank of Chicago	$1.2B	0.2%	13	+16%
Amalgamated Bank of Chicago	$1.0B	0.2%	1	+33%
Old Second National Bank	$1.0B	0.2%	10	+16%
Schaumburg Bank & Trust Company	$955M	0.2%	2	+13%
Belmont Bank & Trust Company	$880M	0.2%	4	+17%
International Bank of Chicago	$801M	0.2%	5	+8%
First Financial Bank	$793M	0.2%	11	-17%
Heartland Bank and Trust Company	$733M	0.2%	5	+9%
Bank of Hope	$727M	0.2%	3	+1%
Providence Bank & Trust	$722M	0.2%	9	+3%
Liberty Bank for Savings	$657M	0.1%	5	-5%
Old Plank Trail Community Bank	$656M	0.1%	5	+39%
Albank	$591M	0.1%	4	+2%
Millennium Bank	$582M	0.1%	2	+116%
Cornerstone National Bank & Trust Company	$529M	0.1%	2	-2%
Peoples Bank	$526M	0.1%	10	-31%
First Savings Bank of Hegewisch	$473M	0.1%	8	-5%
Time Bank	$472M	0.1%	1	+25%
The Federal Savings Bank	$452M	0.1%	1	+69%
Pan American Bank & Trust	$408M	0.1%	4	+29%
FNBC Bank & Trust	$404M	0.1%	2	+2%
First Nations Bank	$362M	0.1%	2	+7%
Community Savings Bank	$357M	0.1%	2	-5%
American Commercial Bank & Trust	$355M	0.1%	2	+133%
Hanmi Bank	$348M	0.1%	2	+81%
Hoyne Savings Bank	$347M	0.1%	7	-17%
First National Bank of Brookfield	$335M	0.1%	1	+46%
State Bank of Texas	$315M	0.1%	2	+234%
Forest Park National Bank and Trust Company	$288M	0.1%	2	-1%
First Secure Bank and Trust Co.	$284M	0.1%	5	+2%
Capital Bank	$276M	0.1%	1	-20%
Devon Bank	$263M	0.1%	3	-19%
First Eagle Bank	$223M	<0.1%	1	-52%
Valley National Bank	$202M	<0.1%	1	-17%
First Bank and Trust Company of Illinois	$190M	<0.1%	1	-5%
Burling Bank	$180M	<0.1%	1	-2%
FWBank	$176M	<0.1%	1	no 2021 presence
Royal Business Bank	$172M	<0.1%	2	-19%
Central Federal Savings and Loan Association	$172M	<0.1%	3	+3%
SmartBiz Bank	$167M	<0.1%	1	+22%
First Independence Bank	$131M	<0.1%	1	-39%
Heritage Bank of Schaumburg	$126M	<0.1%	1	-11%
United Trust Bank	$126M	<0.1%	1	+91%
Brickyard Bank	$123M	<0.1%	3	-17%
Midland Federal Savings and Loan Association	$93M	<0.1%	3	-12%
American Metro Bank	$88M	<0.1%	2	+26%
1st Equity Bank	$88M	<0.1%	1	-14%
Central Savings, f.s.b.	$81M	<0.1%	2	+1%
United Fidelity Bank, fsb	$75M	<0.1%	2	+58%
Mutual Federal Bank	$64M	<0.1%	1	-14%
GN Bank	$51M	<0.1%	1	-38%
Liberty Bank and Trust Company	$46M	<0.1%	1	+19%
American Eagle Bank	$45M	<0.1%	1	-36%
North Side Federal Savings and Loan Association of Chicago	$35M	<0.1%	1	-18%
Beal Bank USA	$11M	<0.1%	1	-35%
Waterman Bank	$6M	<0.1%	1	no 2021 presence
Woodforest National Bank	$3M	<0.1%	1	-45%
The Bank of New York Mellon Trust Company	$0M	0.0%	1	no 2021 presence
BNY Mellon	$0M	0.0%	1	no 2021 presence
CIBC National Trust Company	$0M	0.0%	1	no 2021 presence

The 90 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the Chicago-Naperville market

Cook County is one of 19 counties that make up the Chicago-Naperville, IL-IN-WI market, a Combined Statistical Area (ranked #5 of 293 U.S. markets by economic output). It produces 57.5% of the market’s output and holds 72.2% of its deposits.

Measure	Cook County	Share of parent market
2024 GDP	$432.6B	57.5%
Deposits	$466.1B	72.2%
Population	5,194,625	52.1%

View the full Chicago-Naperville market profile →

Recruiting in Cook County

Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Cook County.

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Deposit trend

Institutions by deposits

Part of the Chicago-Naperville market

Recruiting in Cook County

Other counties in the Chicago-Naperville market