Market Intelligence

Ashtabula County, OH

Banking market profile · FDIC Summary of Deposits, June 30, 2025

Ashtabula County, Ohio, a county in the Cleveland-Akron-Canton, OH market, holds $1.5B in deposits across 8 insured institutions and 19 branches. The Huntington National Bank is the largest deposit holder at 33.7% share. The top three institutions hold 74.7% of deposits, which places the county in the concentrated band. Deposits have grown 22.7% since 2020 while the branch count fell by 6. It produces $3.4B of output, ranking #725 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$3.4B
#725 of 1,523
Total Deposits
$1.5B
#769 of 1,523
Population
96,713
#637 of 1,523
GDP per Capita
$34,942
#1,066 of 1,523
Insured Institutions
8
#829 of 1,523
Deposits per Branch
$78M
#941 of 1,523
Deposits per Capita
$15,291
#1,174 of 1,523
Branches per 100k Pop.
19.6
#1,033 of 1,523
Median Institution Size
$98M
Median deposits of the institutions operating in the county. #911 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
41.0%
of market deposits held by banks with $100M to $50B in assets. #1,102 of 1,523. 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: concentrated
74.7%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+22.7% over 5 years
$1.2B
2020
$1.5B
2021
$1.4B
2022
$1.4B
2023
$1.4B
2024
$1.5B
2025

Branches: 25 in 2020 to 19 in 2025. Institutions: 9 to 8. Top-three share: 72.0% to 74.7%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
The Huntington National Bank$499M33.7%5+45%
The Andover Bank$423M28.6%6+25%
KeyBank National Association$183M12.4%2-1%
U.S. Bank National Association$127M8.6%2+25%
First Commonwealth Bank$69M4.7%1+23%
CNB Bank$64M4.3%1+39%
Conneaut Savings Bank$64M4.3%1+5%
The Middlefield Banking Company$49M3.3%1+36%

The 8 insured institutions with a branch presence in this county, as of 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.

Part of the Cleveland-Akron-Canton market

Ashtabula County is one of 17 counties that make up the Cleveland-Akron-Canton, OH market, a Combined Statistical Area (ranked #20 of 293 U.S. markets by economic output). It produces 1.5% of the market’s output and holds 0.9% of its deposits.

MeasureAshtabula CountyShare of Cleveland-Akron-Canton market
2024 GDP$3.4B1.5%
Deposits$1.5B0.9%
Population96,7132.6%

View the full Cleveland-Akron-Canton market profile →

Recruiting in Ashtabula 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 Ashtabula County, on a retained basis.

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