DeKalb County, Indiana, a core county of the Fort Wayne-Huntington-Auburn, IN market, holds $975M in deposits across 11 insured institutions and 15 branches. The Garrett State Bank is the largest deposit holder at 22.9% share. The top three institutions hold 58.4% of deposits, which places the county in the moderately concentrated band. Deposits have grown 21.9% since 2020 while the branch count fell by 3. It produces $2.7B of output, ranking #808 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 18 in 2020 to 15 in 2025. Institutions: 12 to 11. Top-three share: 56.1% to 58.4%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Garrett State Bank | $223M | 22.9% | +37% |
| Lake City Bank | $216M | 22.2% | +37% |
| Community State Bank | $130M | 13.3% | +28% |
| Horizon Bank | $94M | 9.6% | -27% |
| The Farmers & Merchants State Bank | $88M | 9.0% | +68% |
| Flagstar Bank, National Association | $68M | 6.9% | +59% |
| PNC Bank, National Association | $61M | 6.2% | +8% |
| The Hicksville Bank | $51M | 5.2% | +121% |
| The Campbell & Fetter Bank | $30M | 3.1% | -10% |
| 1st Source Bank | $12M | 1.2% | +96% |
The 10 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Fort Wayne-Huntington-Auburn market
DeKalb County is one of 8 counties that make up the Fort Wayne-Huntington-Auburn, IN market, a Combined Statistical Area (ranked #87 of 293 U.S. markets by economic output). It produces 7.6% of the market’s output and holds 6.5% of its deposits.
| Measure | DeKalb County | Share of Fort Wayne-Huntington-Auburn market |
|---|---|---|
| 2024 GDP | $2.7B | 7.6% |
| Deposits | $975M | 6.5% |
| Population | 44,535 | 6.7% |
View the full Fort Wayne-Huntington-Auburn market profile →
Recruiting in DeKalb 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 DeKalb County, on a retained basis.
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