Market Intelligence

Chicago-Naperville, IL-IN-WI

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Chicago-Naperville, IL-IN-WI

Chicago-Naperville, IL-IN-WI, a Combined Statistical Area, holds $616.0 billion in deposits across 178 insured institutions and 2,322 branches, ranking #5 of 293 U.S. markets by economic output. JPMorgan Chase Bank is the largest deposit holder at 19.6% share. The top three institutions hold 44.5% of deposits, which places the market in the fragmented band. Deposits have grown 17.4% since 2020 while the branch count fell by 12.6%.

Economic scale
2024 Real GDP
$752.8B
#5 of 293
Population
9.97M
#4 of 293
GDP per Capita
$75,544
#19 of 293
Deposit market
Total Deposits
$616.0B
#9 of 293
Deposits per Capita
$61,815
#14 of 293
Deposits per Branch
$265M
#22 of 293
Competitive structure
Insured Institutions
178
#2 of 293
Branches per 100k Pop.
23.3
#163 of 293
Median Deposits per Institution
$330M
The median deposits booked by a single institution in the market. #68 of 293. 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
23.9%
of market deposits held by banks with $100M to $50B in assets. #257 of 293. 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 Deposit Share: fragmented
44.5%
The combined deposit share of the three largest institutions in the market. A lower share means deposits are spread across more institutions.

Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Total market deposits (nominal), 2020 to 2025 +17.4% over 5 years
$524.9B
2020
$577.5B
2021
$608.6B
2022
$582.1B
2023
$600.5B
2024
$616.0B
2025

Branches: 2,656 in 2020 to 2,322 in 2025. Institutions: 198 to 178. Top-three share: 46.0% to 44.5%. Deposits per branch: $265M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
JPMorgan Chase Bank$121.0B19.6%271+8%
BMO Bank$107.1B17.4%189+28%
Bank of America$46.1B7.5%118-1%
CIBC Bank USA$44.9B7.3%19+65%
The Northern Trust Company$36.9B6.0%5+7%
Fifth Third Bank$27.0B4.4%172-8%
PNC Bank$19.5B3.2%125+17%
Old National Bank$18.1B2.9%90+29%
U.S. Bank$14.4B2.3%120+12%
Citibank$13.6B2.2%57-11%
The Huntington National Bank$9.8B1.6%129-4%
Wells Fargo Bank$8.8B1.4%14-1%
Wintrust Bank$8.3B1.3%37+14%
Byline Bank$7.8B1.3%48+58%
Lake Forest Bank & Trust Company$7.1B1.1%7+78%
Centier Bank$6.5B1.1%36+79%
Old Second National Bank$4.9B0.8%56+96%
Northbrook Bank and Trust Company$4.8B0.8%7+74%
Hinsdale Bank & Trust Company$4.6B0.8%17+49%
First American Bank$4.4B0.7%53+11%
Associated Bank$4.3B0.7%19+14%
Barrington Bank & Trust Company$3.6B0.6%9+44%
Wheaton Bank & Trust$3.5B0.6%8+60%
State Bank of India$3.1B0.5%1+111%
Old Plank Trail Community Bank$2.8B0.5%15+63%
Village Bank and Trust$2.6B0.4%8+43%
Libertyville Bank & Trust Company$2.5B0.4%8+43%
Busey Bank$2.5B0.4%17+135%
Parkway Bank and Trust Company$2.4B0.4%23+28%
St. Charles Bank & Trust Company$2.3B0.4%7+52%
Lakeside Bank$2.3B0.4%10+29%
Republic Bank of Chicago$2.3B0.4%19+18%
Beverly Bank & Trust Company$2.2B0.4%8+43%
Schaumburg Bank & Trust Company$2.1B0.3%6+67%
Horizon Bank$2.0B0.3%18+20%
State Bank of the Lakes$1.9B0.3%8+50%
First National Bank of Omaha$1.9B0.3%21+29%
Midland States Bank$1.9B0.3%20+21%
Marquette Bank$1.8B0.3%22+17%
Peoples Bank$1.8B0.3%26+37%
Signature Bank$1.7B0.3%3+64%
American Commercial Bank & Trust$1.6B0.3%11+144%
Heartland Bank and Trust Company$1.6B0.3%24+21%
Crystal Lake Bank and Trust Company$1.6B0.3%6+48%
First Bank Chicago$1.6B0.3%3-1%
First Merchants Bank$1.5B0.2%12-11%
Providence Bank & Trust$1.3B0.2%16+30%
Evergreen Bank Group$1.2B0.2%3+15%
BankFinancial$1.2B0.2%19-13%
1st Source Bank$1.2B0.2%14+20%
First Financial Bank$1.2B0.2%9+18%
Cathay Bank$1.2B0.2%2+132%
Western Alliance Bank$1.2B0.2%1no 2020 presence
Amalgamated Bank of Chicago$1.1B0.2%2+32%
First State Bank$1.1B0.2%15+20%
American Community Bank & Trust$894M0.1%4+30%
Cornerstone National Bank & Trust Company$892M0.1%5+15%
Belmont Bank & Trust Company$817M0.1%4+32%
International Bank of Chicago$807M0.1%5+34%
Bank of Hope$801M0.1%3+27%
Johnson Bank$798M0.1%4+28%
The Federal Savings Bank$787M0.1%2-18%
Resource Bank$769M0.1%15+38%
First Savings Bank of Hegewisch$680M0.1%14+14%
Home State Bank$679M0.1%7+17%
Itasca Bank & Trust Co.$667M0.1%2+13%
Millennium Bank$660M0.1%3+287%
Liberty Bank for Savings$653M0.1%50%
Albany Bank and Trust Company$585M0.1%4+3%
Servbank,sb$547M0.1%1+424%
FNBC Bank & Trust$517M0.1%3-4%
Pan American Bank & Trust$469M0.1%5+39%
Capital Bank$459M0.1%1no 2020 presence
First Nations Bank$458M0.1%3+46%
DeMotte State Bank$450M0.1%9+23%
Time Bank$449M0.1%1+43%
First Eagle Bank$436M0.1%2-2%
Grundy Bank$420M0.1%4+61%
First Secure Community Bank$416M0.1%5+21%
CNB Bank and Trust$401M0.1%3+10%
Lisle Savings Bank$385M0.1%40%
Hanmi Bank$375M0.1%3+28%
American Eagle Bank$374M0.1%2+60%
Hoyne Savings Bank$370M0.1%70%
Grand Ridge National Bank$366M0.1%2+63%
Community Savings Bank$362M0.1%2+4%
Gold Coast Bank$357M0.1%1+5%
American Community Bank of Indiana$347M0.1%5+58%
State Bank of Texas$336M0.1%2+332%
Union National Bank and Trust Company of Elgin$325M0.1%1-16%
Devon Bank$311M0.1%3+7%
First Federal Savings Bank$306M0.0%10+1%
First Secure Bank and Trust Co.$305M0.0%6+39%
First National Bank of Brookfield$304M0.0%1+63%
Peoples Bank of Kankakee County$303M0.0%3+35%
Hometown National Bank$285M0.0%2+9%
Forest Park National Bank and Trust Company$284M0.0%2+12%
Municipal Trust and Savings Bank$283M0.0%2+7%
Kentland Bank$282M0.0%4+9%
OSB Community Bank$281M0.0%3+15%
Eureka Savings Bank$273M0.0%4+7%
First Trust Bank of Illinois$263M0.0%5+15%
First Bank of Manhattan$247M0.0%3+37%
First Secure State Bank$244M0.0%7+10%
Central Bank Illinois$236M0.0%2+7%
Metropolitan Capital Bank & Trust$223M0.0%1+15%
PeopleFirst Bank$213M0.0%2+70%
North Shore Trust and Savings$212M0.0%3+10%
The Harvard State Bank$209M0.0%3+14%
Valley National Bank$202M0.0%1no 2020 presence
First Bank and Trust Company of Illinois$187M0.0%1+8%
Community Bank of Elmhurst$177M0.0%2+13%
Spring Valley City Bank$176M0.0%2+2%
Peru Federal Savings Bank$175M0.0%2+24%
FWBank$169M0.0%1no 2020 presence
Central Federal Savings and Loan Association$169M0.0%3+8%
Prairie Community Bank$169M0.0%3+35%
First Community Bank and Trust$167M0.0%2+22%
Royal Business Bank$162M0.0%2-14%
Burling Bank$158M0.0%1+28%
La Salle State Bank$157M0.0%3+49%
North Central Bank$146M0.0%2+34%
First Mid Bank & Trust$141M0.0%2+7,135%
First State Bank of Porter$136M0.0%3+6%
Waterman Bank$136M0.0%3+264%
Foresight Bank$135M0.0%2no 2020 presence
Sterling Bank$133M0.0%1+91%
Illini State Bank$128M0.0%3+36%
SmartBiz Bank$126M0.0%10%
Heritage Bank of Schaumburg$124M0.0%1+1%
United Trust Bank$124M0.0%1+322%
Town Center Bank$121M0.0%2+21%
National Bank of St. Anne$118M0.0%3+54%
Brickyard Bank$118M0.0%3-13%
Streator Home Savings Bank$109M0.0%1-7%
Midland Federal Savings and Loan Association$109M0.0%4+2%
Community State Bank$108M0.0%1+74%
State Bank of Cherry$108M0.0%1+23%
The State Bank of Geneva$105M0.0%1+25%
North Shore Bank$104M0.0%40%
Community State Bank$102M0.0%2+76%
The Granville National Bank$102M0.0%2+16%
TBK Bank, SSB$101M0.0%1+3%
Peoples National Bank of Kewanee$95M0.0%3+73%
Alliance Bank$90M0.0%1+55%
Central Savings, f.s.b.$89M0.0%2+3%
American Metro Bank$88M0.0%2+32%
1st Equity Bank$86M0.0%1-16%
Flagstar Bank$80M0.0%1+49%
Community State Bank$76M0.0%2+608%
The Bank of Bourbonnais$69M0.0%1+7%
Iroquois Federal Savings and Loan Association$68M0.0%1+88%
Marseilles Bank$65M0.0%2+9%
Mutual Federal Bank$64M0.0%1+7%
United Fidelity Bank, fsb$63M0.0%2+43%
Woodforest National Bank$61M0.0%17+7%
GN Bank$55M0.0%1-40%
The Lemont National Bank$45M0.0%4-13%
Sauk Valley Bank & Trust Company$45M0.0%1+150%
Bank of Wolcott$43M0.0%1+22%
Fowler State Bank$42M0.0%1+42%
American Bank and Trust Company$40M0.0%2-21%
TrustBank$39M0.0%1no 2020 presence
First State Bank of Van Orin$38M0.0%2+6%
Armed Forces Bank$37M0.0%1+38%
North Side Federal Savings and Loan Association of Chicago$36M0.0%1-4%
Liberty Bank and Trust Company$35M0.0%10%
Bank of Pontiac$29M0.0%1+128%
CIBM Bank$28M0.0%1+80%
Tri City National Bank$27M0.0%1+71%
Federated Bank$21M0.0%1+49%
Beal Bank USA$10M0.0%1+409%
Kentland Federal Savings and Loan Association$3M0.0%1+24%
BMO Harris Central$1M0.0%10%
The Bank of New York Mellon Trust Company$0M0.0%1no 2020 presence
AMG National Trust Bank$0M0.0%1no 2020 presence
BNY Mellon$0M0.0%1no 2020 presence
CIBC National Trust Company$0M0.0%1no 2020 presence

The 178 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Cook CountyIllinois$432.6B5,194,62557.5%71.7%
DuPage CountyIllinois$101.7B934,29813.5%8.6%
Lake CountyIllinois$65.3B719,3398.7%5.0%
Will CountyIllinois$38.1B712,2535.1%3.7%
Kane CountyIllinois$28.6B525,7573.8%2.4%
Lake CountyIndiana$24.8B504,6123.3%2.4%
McHenry CountyIllinois$12.1B317,7511.6%1.5%
Porter CountyIndiana$8.1B176,0491.1%0.8%
Kenosha CountyWisconsin$8.0B168,4481.1%0.6%
Kankakee CountyIllinois$6.8B105,5250.9%0.4%
LaSalle CountyIllinois$5.8B107,7730.8%0.6%
Grundy CountyIllinois$4.7B54,0520.6%0.3%
LaPorte CountyIndiana$4.5B111,2940.6%0.4%
DeKalb CountyIllinois$4.3B101,8350.6%0.5%
Kendall CountyIllinois$4.1B145,4700.5%0.5%
Jasper CountyIndiana$1.5B33,8940.2%0.2%
Bureau CountyIllinois$1.2B32,5100.2%0.2%
Newton CountyIndiana$364M14,1880.0%0.1%
Putnam CountyIllinois$317M5,6190.0%0.0%

Recruiting in the Chicago-Naperville market

No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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 this one.

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