Market Intelligence

Eaton County, MI

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Eaton County, Michigan, a core county of the Lansing-East Lansing-Owosso, MI market, holds $1.8B in deposits across 10 insured institutions and 19 branches. Fifth Third Bank is the largest deposit holder at 20.6% share. The top three banks hold 54% of deposits, which places the county in the Moderate band. Deposits have grown 18.5% since 2021 while the branch count fell by 20.8%. It produced $6.2B of real gross domestic product in 2024, ranking #514 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$6.2B
#514 of 1,523
Population
109,581
#572 of 1,523
GDP per Capita
$56,513
#428 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$1.8B
#700 of 1,523
Deposits per Capita
$16,257
#1,141 of 1,523
Deposits per Branch
$94M
#715 of 1,523
Competitive structure
Insured Institutions
10
#663 of 1,523
Branches per 100k Pop.
17.3
#1,170 of 1,523
Median Deposits per Institution
$121M
The median deposits booked by a single institution in the county. #747 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
47.4%
of county deposits held by banks with $100M to $100B in assets. #1,097 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
54%
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)+18.5% over 5 years
$1.5B
2021
$1.6B
2022
$1.6B
2023
$1.7B
2024
$1.8B
2025
$1.8B
2026

Branches: 24 in 2021 to 19 in 2026. Institutions: 12 to 10. Top-three share: 47% to 54%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Fifth Third Bank$366M20.6%3+17%
Eaton Community Bank$355M19.9%4+38%
PNC Bank$244M13.7%2+11%
Independent Bank$221M12.4%3+50%
JPMorgan Chase Bank$121M6.8%1-7%
Flagstar Bank$120M6.8%1+35%
Bank of America$109M6.1%1-6%
The Huntington National Bank$97M5.5%1+19%
The Dart Bank$87M4.9%1+3%
Union Bank$61M3.4%2+23%

The 10 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 Lansing-East Lansing-Owosso market

Eaton County is one of 4 counties that make up the Lansing-East Lansing-Owosso, MI market, a Combined Statistical Area (ranked #100 of 293 U.S. markets by economic output). It produces 21.2% of the market’s output and holds 13.6% of its deposits.

MeasureEaton CountyShare of parent market
2024 GDP$6.2B21.2%
Deposits$1.8B13.6%
Population109,58120.0%

View the full Lansing-East Lansing-Owosso market profile →

Recruiting in Eaton 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 Eaton County.

See how we help banks recruit commercial banking talent