Explore the banking institutions serving the Chicago commercial real estate market. The rankings below use FDIC data to compare institutions by assets, deposits, branch presence, and CRE lending — not by CRE lending activity itself, which FDIC data can only establish for banks actually headquartered here.
Largest Banking Institutions in Chicago, by Assets
Institutions headquartered in the Chicago metro. Ranked by total (bank-wide) assets — not a measure of Chicago-specific size, which FDIC data can't establish (see Sources).
| # | Institution | Total assets |
|---|---|---|
| 1 | BMO Bank National Association | $254.97bn |
| 2 | The Northern Trust Company | $178.57bn |
| 3 | CIBC Bank USA | $66.50bn |
| 4 | Centier Bank | $10.41bn |
| 5 | Byline Bank | $9.91bn |
| 6 | Wintrust Bank, National Association | $9.57bn |
| 7 | Lake Forest Bank & Trust Company, National Association | $9.25bn |
| 8 | First American Bank | $8.63bn |
| 9 | Old Second National Bank | $6.86bn |
| 10 | Hinsdale Bank & Trust Company, National Association | $6.80bn |
| 11 | Northbrook Bank and Trust Company, National Association | $6.37bn |
| 12 | Barrington Bank & Trust Company, National Association | $5.17bn |
| 13 | Wheaton Bank & Trust, National Association | $4.79bn |
| 14 | State Bank of India | $4.32bn |
| 15 | St. Charles Bank & Trust Company, National Association | $3.69bn |
Largest CRE Books, Headquartered in Chicago
Same population as the assets table above — not branch presence, which would seat a national bank's entire balance sheet here on the strength of a single branch. Ranked by current-quarter investor CRE loans (construction, multifamily, non-owner-occupied commercial), $100 million floor.
| # | Institution | CRE book |
|---|---|---|
| 1 | BMO Bank National Association | $20.67bn |
| 2 | CIBC Bank USA | $13.99bn |
| 3 | The Northern Trust Company | $5.39bn |
| 4 | Centier Bank | $3.19bn |
| 5 | Wintrust Bank, National Association | $2.48bn |
| 6 | Parkway Bank and Trust Company | $1.91bn |
| 7 | Byline Bank | $1.76bn |
| 8 | Lakeside Bank | $1.69bn |
| 9 | Old Second National Bank | $1.67bn |
| 10 | First American Bank | $1.10bn |
| 11 | Marquette Bank | $1.09bn |
| 12 | Lake Forest Bank & Trust Company, National Association | $1.07bn |
| 13 | Hinsdale Bank & Trust Company, National Association | $1.07bn |
| 14 | Northbrook Bank and Trust Company, National Association | $1.05bn |
| 15 | Republic Bank of Chicago | $0.77bn |
9 money-center/specialty charters excluded from population, same list as the state CRE-size pages.
Largest Banks in Chicago, by Deposits
Institutions with at least one Chicago branch. Ranked by deposits actually booked at a Chicago office — real local presence, unlike the assets table above.
| # | Institution | Chicago deposits | Chicago branches | Largest office |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $119.99bn | 267 | 36% |
| 2 | BMO Bank National Association | $106.66bn | 184 | 79% |
| 3 | Bank of America, National Association | $46.11bn | 118 | 54% |
| 4 | CIBC Bank USA | $44.92bn | 19 | 89% |
| 5 | The Northern Trust Company | $36.91bn | 5 | 93% |
| 6 | Fifth Third Bank, National Association | $26.80bn | 169 | 9% |
| 7 | PNC Bank, National Association | $19.02bn | 119 | 23% |
| 8 | Old National Bank | $18.01bn | 89 | 27% |
| 9 | U.S. Bank National Association | $14.19bn | 116 | 9% |
| 10 | Citibank, National Association | $13.56bn | 57 | 8% |
| 11 | The Huntington National Bank | $9.66bn | 125 | 16% |
| 12 | Wells Fargo Bank, National Association | $8.81bn | 14 | 91% |
| 13 | Wintrust Bank, National Association | $8.30bn | 37 | 55% |
| 14 | Byline Bank | $7.78bn | 48 | 46% |
| 15 | Lake Forest Bank & Trust Company, National Association | $7.07bn | 7 | 86% |
BMO Bank National Association: $83.7B of its Chicago deposits are booked at a single Chicago office; its other 183 Chicago branches hold $22.9B. Bank of America, National Association: $25.0B of its Chicago deposits are booked at a single Chicago office; its other 117 Chicago branches hold $21.1B. CIBC Bank USA: $39.8B of its Chicago deposits are booked at a single Chicago office; its other 18 Chicago branches hold $5.1B. Wells Fargo Bank, National Association: $8.0B of its Chicago deposits are booked at a single Chicago office; its other 13 Chicago branches hold $0.8B. Wintrust Bank, National Association: $4.6B of its Chicago deposits are booked at a single Chicago office; its other 36 Chicago branches hold $3.7B. Deposits are as FDIC reports them, by the office where they are booked - not necessarily where the underlying relationship or customer is.
Banks With the Most Chicago Branches
Same population as the deposits table above, ranked by branch count.
| # | Institution | Chicago branches | Chicago deposits |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | 267 | $119.99bn |
| 2 | BMO Bank National Association | 184 | $106.66bn |
| 3 | Fifth Third Bank, National Association | 169 | $26.80bn |
| 4 | The Huntington National Bank | 125 | $9.66bn |
| 5 | PNC Bank, National Association | 119 | $19.02bn |
| 6 | Bank of America, National Association | 118 | $46.11bn |
| 7 | U.S. Bank National Association | 116 | $14.19bn |
| 8 | Old National Bank | 89 | $18.01bn |
| 9 | Citibank, National Association | 57 | $13.56bn |
| 10 | Old Second National Bank | 55 | $4.81bn |
| 11 | Byline Bank | 48 | $7.78bn |
| 12 | First American Bank | 48 | $3.75bn |
| 13 | Wintrust Bank, National Association | 37 | $8.30bn |
| 14 | Centier Bank | 34 | $6.42bn |
| 15 | Peoples Bank | 26 | $1.76bn |
What does this mean for CRE borrowers?
Bank size, deposits, and local branch presence are useful indicators of an institution's scale and footprint in Chicago, but they don't tell you a bank's CRE lending appetite, property-type focus, or how it prices a deal like yours. A bank near the top of these lists may not lend on your property type at all; a bank you've never heard of may be exactly the right fit. Use Lender Compass to identify lenders based on property type, loan type, geography, and other deal characteristics — not bank size alone.
Sources & methodology
Geography: the Chicago-Naperville-Elgin MSA (FDIC MSA code 16980) — not statewide, not a hand-assembled county list. Every branch and institution figure above is scoped to this MSA using FDIC's own MSA classification.
Assets and CRE book tables use institutions whose main office is registered in the Chicago MSA, not merely a branch — a bank's total assets or CRE book has no geographic allocation to a single branch, so a branch-presence population would seat a national bank's entire balance sheet here on the strength of one office. Active institutions only, checked against FDIC's current status, not a fixed list — a bank that merges away next quarter drops out automatically.
Deposits and branch-count tables use any institution with a Chicago branch, since FDIC's Summary of Deposits survey specifically allocates deposits to the office where they're booked — the one figure that genuinely reflects local presence. Recently-merged institutions are shown under their prior charter with the successor named, since the historical Chicago presence is real regardless of what happened to the charter since; when the successor also lands in the same table, a note states the combined figure.
CRE book means investor commercial real estate loans — construction & land development, multifamily (5+ unit residential), and non-owner-occupied commercial property — per FDIC Call Report Schedule RC-C. It excludes owner-occupied CRE, which is reported separately and generally reflects a business's own real estate rather than third-party lending.