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

Cook County, Illinois, a core county of the Chicago-Naperville, IL-IN-WI market, holds $441.9B in deposits across 95 insured institutions and 1131 branches. BMO Bank National Association is the largest deposit holder at 21.0% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have grown 16.4% since 2020 while the branch count fell by 12.5%. It produces $432.6B of output, 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, 6/30/25)

$441.9B

#6 of 1,523

Deposits per Capita

$85,067

#27 of 1,523

Deposits per Branch

$391M

#28 of 1,523

Competitive structure

Insured Institutions

#2 of 1,523

Branches per 100k Pop.

21.8

#892 of 1,523

Median Deposits per Institution

$459M

The median deposits booked by a single institution in the county. #53 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

27.2%

of county deposits held by banks with $100M to $100B in assets. #1,384 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

51%

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, 2020 to 2025)+16.4% over 5 years

$379.5B

2020

$417.5B

2021

$441.4B

2022

$416.0B

2023

$432.5B

2024

$441.9B

2025

Branches: 1293 in 2020 to 1131 in 2025. Institutions: 102 to 95. Top-three share: 52% to 51%.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr deposits
BMO Bank	$92.9B	21.0%	82	+33%
JPMorgan Chase Bank	$89.5B	20.2%	158	+5%
CIBC Bank USA	$43.4B	9.8%	12	+70%
Bank of America	$40.6B	9.2%	81	-2%
The Northern Trust Company	$34.9B	7.9%	2	+6%
Fifth Third Bank	$18.1B	4.1%	101	-14%
PNC Bank	$10.5B	2.4%	69	+22%
Citibank	$9.9B	2.2%	43	-7%
U.S. Bank	$9.7B	2.2%	75	+12%
Wells Fargo Bank	$8.7B	2.0%	13	+5%
Wintrust Bank	$8.3B	1.9%	37	+14%
The Huntington National Bank	$7.1B	1.6%	84	-8%
Byline Bank	$7.0B	1.6%	40	+59%
Old National Bank	$5.9B	1.3%	33	-6%
Northbrook Bank and Trust Company	$4.4B	1.0%	5	+79%
Barrington Bank & Trust Company	$3.4B	0.8%	7	+570%
Associated Bank	$3.3B	0.8%	6	+13%
State Bank of India	$3.1B	0.7%	1	+111%
Village Bank and Trust	$2.6B	0.6%	8	+43%
Parkway Bank and Trust Company	$2.3B	0.5%	16	+30%
First American Bank	$2.2B	0.5%	22	+17%
Beverly Bank & Trust Company	$2.2B	0.5%	8	+43%
Lakeside Bank	$2.0B	0.5%	8	+15%
Signature Bank	$1.7B	0.4%	3	+64%
Marquette Bank	$1.6B	0.4%	20	+18%
Busey Bank	$1.3B	0.3%	5	no 2020 presence
Hinsdale Bank & Trust Company	$1.2B	0.3%	9	+40%
Western Alliance Bank	$1.2B	0.3%	1	no 2020 presence
First Bank Chicago	$1.1B	0.2%	2	+3%
Republic Bank of Chicago	$1.1B	0.2%	12	+10%
Cathay Bank	$991M	0.2%	1	+164%
Amalgamated Bank of Chicago	$944M	0.2%	1	+26%
BankFinancial	$843M	0.2%	11	-8%
Belmont Bank & Trust Company	$817M	0.2%	4	+32%
International Bank of Chicago	$807M	0.2%	5	+34%
Bank of Hope	$801M	0.2%	3	+27%
Providence Bank & Trust	$704M	0.2%	9	+7%
Old Second National Bank	$693M	0.2%	9	+91%
Liberty Bank for Savings	$653M	0.1%	5	0%
Cornerstone National Bank & Trust Company	$595M	0.1%	2	+13%
Albany Bank and Trust Company	$585M	0.1%	4	+3%
Schaumburg Bank & Trust Company	$580M	0.1%	2	-19%
Millennium Bank	$574M	0.1%	2	+237%
Old Plank Trail Community Bank	$562M	0.1%	4	+34%
Peoples Bank	$541M	0.1%	11	+71%
The Federal Savings Bank	$481M	0.1%	1	-37%
First Savings Bank of Hegewisch	$481M	0.1%	8	+5%
Capital Bank	$459M	0.1%	1	no 2020 presence
Time Bank	$449M	0.1%	1	+43%
First Eagle Bank	$436M	0.1%	2	-2%
Pan American Bank & Trust	$408M	0.1%	4	+32%
FNBC Bank & Trust	$401M	0.1%	2	+8%
CNB Bank and Trust	$401M	0.1%	3	+10%
First Nations Bank	$380M	0.1%	2	+56%
Hoyne Savings Bank	$370M	0.1%	7	+4%
Community Savings Bank	$362M	0.1%	2	+4%
Gold Coast Bank	$357M	0.1%	1	+5%
State Bank of Texas	$336M	0.1%	2	+332%
Evergreen Bank Group	$325M	0.1%	1	-34%
Devon Bank	$311M	0.1%	3	+7%
First National Bank of Brookfield	$304M	0.1%	1	+63%
American Commercial Bank & Trust	$294M	0.1%	2	+267%
Hanmi Bank	$288M	0.1%	2	+42%
Forest Park National Bank and Trust Company	$284M	0.1%	2	+12%
Heartland Bank and Trust Company	$284M	0.1%	2	+28%
First Secure Bank and Trust Co.	$271M	0.1%	5	+24%
Metropolitan Capital Bank & Trust	$223M	0.1%	1	+15%
Valley National Bank	$202M	<0.1%	1	no 2020 presence
First Bank and Trust Company of Illinois	$187M	<0.1%	1	+8%
FWBank	$169M	<0.1%	1	no 2020 presence
Central Federal Savings and Loan Association	$169M	<0.1%	3	+8%
Royal Business Bank	$162M	<0.1%	2	-14%
Burling Bank	$158M	<0.1%	1	+28%
SmartBiz Bank	$126M	<0.1%	1	0%
Heritage Bank of Schaumburg	$124M	<0.1%	1	+1%
United Trust Bank	$124M	<0.1%	1	+322%
Brickyard Bank	$118M	<0.1%	3	-13%
Midland Federal Savings and Loan Association	$98M	<0.1%	3	+4%
Central Savings, f.s.b.	$89M	<0.1%	2	+3%
American Metro Bank	$88M	<0.1%	2	+32%
1st Equity Bank	$86M	<0.1%	1	-16%
Mutual Federal Bank	$64M	<0.1%	1	+7%
United Fidelity Bank, fsb	$63M	<0.1%	2	+43%
GN Bank	$55M	<0.1%	1	-40%
American Eagle Bank	$52M	<0.1%	1	no 2020 presence
The Lemont National Bank	$44M	<0.1%	3	-10%
North Side Federal Savings and Loan Association of Chicago	$36M	<0.1%	1	-4%
Liberty Bank and Trust Company	$35M	<0.1%	1	0%
Beal Bank USA	$10M	<0.1%	1	+409%
Woodforest National Bank	$3M	<0.1%	1	+8%
Waterman Bank	$1M	<0.1%	1	no 2020 presence
The Bank of New York Mellon Trust Company	$0M	0.0%	1	no 2020 presence
AMG National Trust Bank	$0M	0.0%	1	no 2020 presence
BNY Mellon	$0M	0.0%	1	no 2020 presence
CIBC National Trust Company	$0M	0.0%	1	no 2020 presence

The 95 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. 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 2020 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 71.7% of its deposits.

Measure	Cook County	Share of parent market
2024 GDP	$432.6B	57.5%
Deposits	$441.9B	71.7%
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