Shiawassee County, Michigan, a core county of the Lansing-East Lansing-Owosso, MI market, holds $696M in deposits across 6 insured institutions and 10 branches. Fifth Third Bank, National Association is the largest deposit holder at 35.0% share. The top three banks hold 77% of deposits, which places the county in the Concentrated band. Deposits have fallen 5.4% since 2020 while the branch count fell by 23.1%. It produces $1.9B of output, ranking #965 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: 13 in 2020 to 10 in 2025. Institutions: 6 to 6. Top-three share: 82% to 77%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Fifth Third Bank | $244M | 35.0% | +5% |
| The Huntington National Bank | $177M | 25.4% | -52% |
| Horizon Bank | $115M | 16.5% | no 2020 presence |
| JPMorgan Chase Bank | $72M | 10.4% | -2% |
| Citizens Bank | $66M | 9.4% | +41% |
| ChoiceOne Bank | $23M | 3.3% | no 2020 presence |
The 6 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 Lansing-East Lansing-Owosso market
Shiawassee 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 6.3% of the market’s output and holds 5.4% of its deposits.
| Measure | Shiawassee County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.9B | 6.3% |
| Deposits | $696M | 5.4% |
| Population | 67,681 | 12.4% |
View the full Lansing-East Lansing-Owosso market profile →
Recruiting in Shiawassee 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 Shiawassee County.
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