Market Intelligence

Hendricks County, IN

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Hendricks County, Indiana, a core county of the Indianapolis-Carmel-Muncie, IN market, holds $4.7B in deposits across 19 insured institutions and 56 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 17.6% share. The top three banks hold 40% of deposits, which places the county in the Fragmented band. Deposits have grown 42.4% since 2020 while the branch count fell by 3.4%. It produces $7.8B of output, ranking #429 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$7.8B
#429 of 1,523
Population
193,510
#366 of 1,523
GDP per Capita
$40,451
#889 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$4.7B
#355 of 1,523
Deposits per Capita
$24,276
#644 of 1,523
Deposits per Branch
$84M
#834 of 1,523
Competitive structure
Insured Institutions
19
#236 of 1,523
Branches per 100k Pop.
28.9
#520 of 1,523
Median Deposits per Institution
$187M
The median deposits booked by a single institution in the county. #368 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
48.2%
of county deposits held by banks with $100M to $100B in assets. #1,122 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: Fragmented
40%
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)+42.4% over 5 years
$3.3B
2020
$3.7B
2021
$4.0B
2022
$4.2B
2023
$4.5B
2024
$4.7B
2025

Branches: 58 in 2020 to 56 in 2025. Institutions: 17 to 19. Top-three share: 43% to 40%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
JPMorgan Chase Bank$826M17.6%4+43%
PNC Bank$530M11.3%5+17%
State Bank$523M11.1%5+57%
First Merchants Bank$481M10.2%3+27%
The Huntington National Bank$441M9.4%4+47%
The North Salem State Bank$425M9.1%5+45%
Fifth Third Bank$400M8.5%4+102%
Hendricks County Bank and Trust Company$211M4.5%5+27%
BMO Bank$191M4.1%3+8%
First Financial Bank$187M4.0%1+170%
Old National Bank$179M3.8%3+61%
Citizens Bank$123M2.6%3+20%
First National Bank$76M1.6%3+23%
KeyBank$41M0.9%2-1%
Stock Yards Bank & Trust Company$25M0.5%1+62%
Home Bank SB$17M0.4%1+34%
Centier Bank$17M0.4%1no 2020 presence
Woodforest National Bank$3M0.1%2-2%
Bank of America$2M0.1%1no 2020 presence

The 19 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 Indianapolis-Carmel-Muncie market

Hendricks County is one of 20 counties that make up the Indianapolis-Carmel-Muncie, IN market, a Combined Statistical Area (ranked #26 of 293 U.S. markets by economic output). It produces 4.1% of the market’s output and holds 4.6% of its deposits.

MeasureHendricks CountyShare of parent market
2024 GDP$7.8B4.1%
Deposits$4.7B4.6%
Population193,5107.1%

View the full Indianapolis-Carmel-Muncie market profile →

Recruiting in Hendricks County

Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Hendricks County.

See how we help banks recruit commercial banking talent