Market Intelligence

Kane County, IL

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

Kane County, Illinois, a core county of the Chicago-Naperville, IL-IN-WI market, holds $15.5B in deposits across 30 insured institutions and 113 branches. JPMorgan Chase Bank is the largest deposit holder at 22.8% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have grown 11.9% since 2021 while the branch count fell by 9.6%. It produced $28.6B of real gross domestic product in 2024, ranking #164 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$28.6B
#164 of 1,523
Population
525,757
#143 of 1,523
GDP per Capita
$54,423
#470 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$15.5B
#151 of 1,523
Deposits per Capita
$29,418
#447 of 1,523
Deposits per Branch
$137M
#266 of 1,523
Competitive structure
Insured Institutions
30
#92 of 1,523
Branches per 100k Pop.
21.5
#903 of 1,523
Median Deposits per Institution
$161M
The median deposits booked by a single institution in the county. #487 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
46.8%
of county deposits held by banks with $100M to $100B in assets. #1,105 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, 2021 to 2026)+11.9% over 5 years
$13.8B
2021
$14.3B
2022
$14.4B
2023
$14.5B
2024
$15.2B
2025
$15.5B
2026

Branches: 125 in 2021 to 113 in 2026. Institutions: 29 to 30. Top-three share: 48% to 51%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
JPMorgan Chase Bank$3.5B22.8%11+6%
St. Charles Bank & Trust Company$2.4B15.3%7+49%
Old Second National Bank$1.9B12.4%14-1%
BMO Bank$1.4B9.0%15+9%
Fifth Third Bank$1.2B7.6%10+7%
PNC Bank$641M4.1%8+5%
First American Bank$589M3.8%6-6%
Bank of America$576M3.7%4+16%
U.S. Bank$433M2.8%4+7%
Associated Bank$401M2.6%5+42%
Union National Bank and Trust Company of Elgin$377M2.4%1+17%
American Eagle Bank$318M2.1%1+30%
The Huntington National Bank$256M1.7%3+118%
Citibank$214M1.4%1-8%
Sterling Bank$165M1.1%1+63%
First Secure Community Bank$156M1.0%2-25%
First National Bank of Omaha$143M0.9%2+80%
Old National Bank$136M0.9%2+74%
First State Bank$129M0.8%4-13%
The State Bank of Geneva$103M0.7%1+6%
TBK Bank, SSB$100M0.6%1-8%
Byline Bank$58M0.4%1-31%
Heartland Bank and Trust Company$56M0.4%1+18%
American Bank and Trust Company$43M0.3%1-24%
Waterman Bank$41M0.3%1no 2021 presence
Resource Bank$37M0.2%2no 2021 presence
First Federal Savings Bank$34M0.2%1-4%
Parkway Bank and Trust Company$31M0.2%1-13%
First Mid Bank & Trust$21M0.1%1no 2021 presence
Prairie Community Bank$14M0.1%1+201%

The 30 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 Chicago-Naperville market

Kane 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 3.8% of the market’s output and holds 2.4% of its deposits.

MeasureKane CountyShare of parent market
2024 GDP$28.6B3.8%
Deposits$15.5B2.4%
Population525,7575.3%

View the full Chicago-Naperville market profile →

Recruiting in Kane 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 Kane County.

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