DeKalb County, Illinois, a county in the Chicago-Naperville, IL-IN-WI market, holds $2.8B in deposits across 9 insured institutions and 37 branches. First National Bank of Omaha is the largest deposit holder at 29.2% share. The top three institutions hold 69.7% of deposits, which places the county in the concentrated band. Deposits have grown 5.8% since 2020 while the branch count fell by 11.9%. It produces $4.3B of output, ranking #655 of the 1,523 ranked counties by economic output.
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
Branches: 42 in 2020 to 37 in 2025. Institutions: 11 to 9. Top-three share: 73.1% to 69.7%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First National Bank of Omaha | $816M | 29.2% | +1% |
| Resource Bank | $703M | 25.2% | +29% |
| Old National Bank | $428M | 15.3% | -26% |
| Heartland Bank and Trust Company | $403M | 14.4% | +14% |
| First State Bank | $173M | 6.2% | +64% |
| Waterman Bank | $98M | 3.5% | +163% |
| Fifth Third Bank | $70M | 2.5% | +21% |
| PNC Bank | $63M | 2.3% | +43% |
| Old Second National Bank | $39M | 1.4% | +12% |
The 9 insured institutions with a branch presence in this county, as of 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
DeKalb 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 0.6% of the market’s output and holds 0.5% of its deposits.
| Measure | DeKalb County | Share of parent market |
|---|---|---|
| 2024 GDP | $4.3B | 0.6% |
| Deposits | $2.8B | 0.5% |
| Population | 101,835 | 1.0% |
View the full Chicago-Naperville market profile →
Recruiting in DeKalb County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 DeKalb County.
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