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St. Joseph County, IN Bank Deposit Market Share

1st Source Bank holds the largest share of deposits in St. Joseph County, IN, 54.5%, followed by PNC Bank, N.A. (8.5%) and Lake City Bank (8.2%). 15 institutions hold $5.79B at 58 offices as of June 30, 2026, down 0.3% from 2025.

Institutions: 15 Offices: 58 Deposits: $5.79B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: PNC Bank, N.A. (1.82 points); Lake City Bank (0.68 points); KeyBank N.A. (0.68 points).

Lost: 1st Source Bank (-2.43 points); Old National Bank (-1.77 points); Fifth Third Bank, N.A. (-0.15 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 1st Source Bank 23 $3.15B 54.49% -2.43 pts -4.6%
2 PNC Bank, N.A. 4 $490.4M 8.48% +1.82 pts 27.0%
3 Lake City Bank 4 $476.9M 8.24% +0.68 pts 8.7%
4 JPMorgan Chase Bank, N.A. 2 $445.0M 7.69% +0.38 pts 4.8%
5 KeyBank N.A. 4 $265.3M 4.59% +0.68 pts 17.0%
6 Centier Bank 4 $209.5M 3.62% +0.54 pts 17.3%
7 Fifth Third Bank, N.A. 2 $191.5M 3.31% -0.15 pts -4.5%
8 Northwest Bank 3 $170.3M 2.94% +0.13 pts 4.5%
9 Old National Bank 3 $165.2M 2.85% -1.77 pts -38.4%
10 Flagstar Bank, N.A. 3 $124.3M 2.15% +0.04 pts 1.8%
11 First State Bank of Middlebury 1 $31.6M 0.55% -0.07 pts -11.6%
12 First Federal Savings Bank 1 $30.1M 0.52% +0.13 pts 33.3%
13 Horizon Bank 1 $28.9M 0.50% +0.01 pts 2.1%
14 Woodforest National Bank 2 $3.9M 0.07% 0.00 pts -6.8%
15 First Merchants Bank 1 $0 <0.01% 0.00 pts New

About this list

Deposits are those held at each institution's offices in St. Joseph County as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.

Wider markets

Indiana deposits by institution South Bend-Mishawaka, IN-MI metro area Indiana bank directory

Other counties in Indiana

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