Market Intelligence

Chicago-Naperville, IL-IN-WI

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Chicago-Naperville, IL-IN-WI

Chicago-Naperville, IL-IN-WI, a Combined Statistical Area, holds $645.6 billion in deposits across 171 insured institutions and 2,301 branches, and ranks #5 of 293 U.S. markets by economic output. JPMorgan Chase Bank is the largest deposit holder at 20.1% share. The top three banks hold 44% of deposits, which places the market in the Fragmented band. Deposits have grown 11.8% since 2021 while the branch count fell by 9.3%.

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
Deposits (SOD, 6/30/26)
$645.6B
#9 of 293
Deposits per Capita
$64,781
#13 of 293
Deposits per Branch
$281M
#21 of 293
Competitive structure
Insured Institutions
171
#3 of 293
Branches per 100k Pop.
23.1
#165 of 293
Median Deposits per Institution
$328M
The median deposits booked by a single institution in the market. #78 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
34.7%
of market deposits held by banks with $100M to $100B in assets. #242 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 Banks’ Deposit Share: Fragmented
44%
The combined deposit share of the top three banks by deposits 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

Market Deposits (SOD, 2021 to 2026) +11.8% over 5 years
$577.5B
2021
$608.6B
2022
$582.1B
2023
$600.5B
2024
$616.1B
2025
$645.6B
2026

Branches: 2,537 in 2021 to 2,301 in 2026. Institutions: 193 to 171. Top-three share: 46% to 44%. Average deposits per branch: $281M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
JPMorgan Chase Bank$129.5B20.1%270-1%
BMO Bank$107.3B16.6%189+25%
CIBC Bank USA$49.0B7.6%5+52%
Bank of America$41.3B6.4%119-14%
The Northern Trust Company$41.3B6.4%5+8%
Fifth Third Bank$27.9B4.3%171-4%
PNC Bank$20.0B3.1%125+10%
Old National Bank$18.9B2.9%90+24%
U.S. Bank$16.9B2.6%118+20%
Citibank$14.2B2.2%57-27%
Wells Fargo Bank$12.2B1.9%19+2%
The Huntington National Bank$10.7B1.7%130+8%
Wintrust Bank$8.3B1.3%37+9%
Byline Bank$7.8B1.2%47+21%
Centier Bank$7.2B1.1%36+72%
Lake Forest Bank & Trust Company$6.9B1.1%7+49%
Hinsdale Bank & Trust Company$5.6B0.9%17+68%
Old Second National Bank$5.5B0.8%57-15%
Northbrook Bank and Trust Company$5.4B0.8%7+50%
First American Bank$4.8B0.7%52+18%
Associated Bank$4.5B0.7%18+26%
Barrington Bank & Trust Company$4.1B0.6%9+53%
Wheaton Bank & Trust$4.1B0.6%8+71%
State Bank of India$3.3B0.5%1+229%
Old Plank Trail Community Bank$3.1B0.5%16+62%
Village Bank and Trust$3.0B0.5%8+55%
Libertyville Bank & Trust Company$2.9B0.4%8+57%
Busey Bank$2.7B0.4%17+1%
Parkway Bank and Trust Company$2.6B0.4%23+25%
Lakeside Bank$2.5B0.4%11+33%
St. Charles Bank & Trust Company$2.4B0.4%7+49%
State Bank of the Lakes$2.3B0.4%9+70%
First Financial Bank$2.3B0.4%28-11%
Beverly Bank & Trust Company$2.3B0.4%8+49%
Republic Bank of Chicago$2.3B0.4%20+3%
Schaumburg Bank & Trust Company$2.2B0.3%6+62%
Horizon Bank$2.1B0.3%18+8%
Heartland Bank and Trust Company$2.1B0.3%27+5%
Midland States Bank$1.9B0.3%20+15%
First National Bank of Omaha$1.9B0.3%21+14%
Crystal Lake Bank and Trust Company$1.9B0.3%6+70%
American Commercial Bank & Trust$1.8B0.3%11+121%
Signature Bank$1.8B0.3%3+52%
First Bank Chicago$1.8B0.3%3+24%
Marquette Bank$1.8B0.3%22+5%
Peoples Bank$1.7B0.3%24-7%
First Merchants Bank$1.6B0.2%12-13%
Western Alliance Bank$1.5B0.2%1no 2021 presence
Cathay Bank$1.4B0.2%2+148%
Providence Bank & Trust$1.3B0.2%16-7%
1st Source Bank$1.3B0.2%14+19%
Amalgamated Bank of Chicago$1.1B0.2%2+37%
First State Bank$1.1B0.2%15+13%
American Community Bank & Trust$1.0B0.2%4+33%
Cornerstone National Bank & Trust Company$897M0.1%5+5%
Belmont Bank & Trust Company$880M0.1%4+17%
Johnson Bank$813M0.1%4+11%
International Bank of Chicago$801M0.1%5+8%
Resource Bank$800M0.1%15+26%
The Federal Savings Bank$741M0.1%2+22%
Bank of Hope$727M0.1%3+1%
Millennium Bank$693M0.1%3+157%
Itasca Bank & Trust Co.$692M0.1%2+6%
Home State Bank$687M0.1%7+3%
First Savings Bank of Hegewisch$667M0.1%14+1%
Liberty Bank for Savings$657M0.1%5-5%
Servbank$597M0.1%2+252%
Albank$591M0.1%4+2%
FNBC Bank & Trust$525M0.1%3-10%
DeMotte State Bank$491M0.1%9+18%
Pan American Bank & Trust$475M0.1%6+31%
Time Bank$472M0.1%1+25%
First Eagle Bank$468M0.1%2+1%
Grundy Bank$449M0.1%4+47%
First Nations Bank$441M0.1%3+7%
First Secure Community Bank$428M0.1%50%
Hanmi Bank$424M0.1%3+56%
Lisle Savings Bank$383M0.1%4-11%
Grand Ridge National Bank$379M0.1%2+46%
Union National Bank and Trust Company of Elgin$377M0.1%1+17%
American Eagle Bank$363M0.1%2+15%
Community Savings Bank$357M0.1%2-5%
Hoyne Savings Bank$347M0.1%7-20%
American Community Bank of Indiana$345M0.1%5+44%
First National Bank of Brookfield$335M0.1%1+46%
Peoples Bank of Kankakee County$328M0.1%3+31%
State Bank of Texas$315M<0.1%2+234%
First Secure Bank and Trust Co.$314M<0.1%6+13%
Municipal Trust and Savings Bank$306M<0.1%2+7%
First Federal Savings Bank$300M<0.1%9+3%
OSB Community Bank$293M<0.1%3+13%
Kentland Bank$293M<0.1%4+11%
Central Bank Illinois$290M<0.1%2+29%
Forest Park National Bank and Trust Company$288M<0.1%2-1%
First Trust Bank of Illinois$284M<0.1%4+13%
Eureka Savings Bank$278M<0.1%40%
Capital Bank$276M<0.1%1-20%
Hometown National Bank$266M<0.1%2-6%
Devon Bank$263M<0.1%3-19%
First Secure State Bank$249M<0.1%70%
First Bank of Manhattan$239M<0.1%3+14%
The Harvard State Bank$219M<0.1%3+10%
PeopleFirst Bank$211M<0.1%2+22%
Valley National Bank$202M<0.1%1-17%
North Shore Trust and Savings$201M<0.1%3+7%
First Bank and Trust Company of Illinois$190M<0.1%1-5%
Burling Bank$180M<0.1%1-2%
Spring Valley City Bank$179M<0.1%2-5%
Community Bank of Elmhurst$177M<0.1%2-1%
FWBank$176M<0.1%1no 2021 presence
Peru Federal Savings Bank$173M<0.1%2+14%
Royal Business Bank$172M<0.1%2-19%
Central Federal Savings and Loan Association$172M<0.1%3+3%
Prairie Community Bank$171M<0.1%4+15%
First Community Bank and Trust$171M<0.1%2+5%
SmartBiz Bank$167M<0.1%1+22%
Sterling Bank$165M<0.1%1+63%
La Salle State Bank$156M<0.1%3+25%
Foresight Bank$147M<0.1%2+5%
North Central Bank$145M<0.1%2+19%
Waterman Bank$144M<0.1%3+57%
Town Center Bank$138M<0.1%2+20%
First State Bank of Porter$138M<0.1%3+2%
First Independence Bank$131M<0.1%1-39%
National Bank of St. Anne$127M<0.1%3+33%
Heritage Bank of Schaumburg$126M<0.1%1-11%
First Mid Bank & Trust$126M<0.1%2-30%
United Trust Bank$126M<0.1%1+91%
Illini State Bank$124M<0.1%3+10%
Brickyard Bank$123M<0.1%3-17%
Community State Bank$120M<0.1%1+46%
North Shore Bank$113M<0.1%3+5%
Community State Bank$111M<0.1%2+43%
Streator Home Savings Bank$106M<0.1%1-13%
State Bank of Cherry$105M<0.1%1+6%
The Granville National Bank$105M<0.1%2+7%
The State Bank of Geneva$103M<0.1%1+6%
Midland Federal Savings and Loan Association$100M<0.1%4-14%
TBK Bank, SSB$100M<0.1%1-8%
Peoples National Bank of Kewanee$96M<0.1%3+44%
Alliance Bank$91M<0.1%1+46%
Community State Bank$90M<0.1%2+39%
American Metro Bank$88M<0.1%2+26%
1st Equity Bank$88M<0.1%1-14%
Flagstar Bank$83M<0.1%1+41%
Central Savings, f.s.b.$81M<0.1%2+1%
United Fidelity Bank, fsb$75M<0.1%2+58%
The Bank of Bourbonnais$71M<0.1%1+4%
Marseilles Bank$68M<0.1%2+2%
Mutual Federal Bank$64M<0.1%1-14%
Woodforest National Bank$63M<0.1%17-13%
Sauk Valley Bank & Trust Company$52M<0.1%1+191%
GN Bank$51M<0.1%1-38%
TrustBank$48M<0.1%1no 2021 presence
Liberty Bank and Trust Company$46M<0.1%1+19%
American Bank and Trust Company$43M<0.1%1-24%
Fowler State Bank$42M<0.1%1+4%
Bank of Wolcott$42M<0.1%1+50%
Armed Forces Bank$39M<0.1%1+21%
Bank of Pontiac$37M<0.1%1+87%
First State Bank of Van Orin$35M<0.1%2-11%
North Side Federal Savings and Loan Association of Chicago$35M<0.1%1-18%
Tri City National Bank$34M<0.1%1+53%
Federated Bank$28M<0.1%2+81%
CIBM Bank$25M<0.1%1+35%
Beal Bank USA$11M<0.1%1-35%
BMO Harris Central$1M<0.1%10%
The Bank of New York Mellon Trust Company$0M0.0%1no 2021 presence
AMG National Trust Bank$0M0.0%1no 2021 presence
BNY Mellon$0M0.0%1no 2021 presence
CIBC National Trust Company$0M0.0%1no 2021 presence

The 171 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 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%72.2%
DuPage CountyIllinois$101.7B934,29813.5%8.5%
Lake CountyIllinois$65.3B719,3398.7%4.8%
Will CountyIllinois$38.1B712,2535.1%3.6%
Kane CountyIllinois$28.6B525,7573.8%2.4%
Lake CountyIndiana$24.8B504,6123.3%2.5%
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%0.4%
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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Other markets in Illinois, Indiana, and Wisconsin

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.