Butler County, Ohio, a core county of the Cincinnati-Wilmington, OH-KY-IN market, holds $8.4B in deposits across 21 insured institutions and 86 branches. Fifth Third Bank is the largest deposit holder at 27.3% share. The top three banks hold 63% of deposits, which places the county in the Concentrated band. Deposits have grown 11.5% since 2021 while the branch count fell by 1.1%. It produced $23.1B of real gross domestic product in 2024, ranking #196 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 87 in 2021 to 86 in 2026. Institutions: 20 to 21. Top-three share: 63% to 63%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Fifth Third Bank | $2.3B | 27.3% | +11% |
| First Financial Bank | $2.0B | 24.3% | +13% |
| U.S. Bank | $958M | 11.4% | +13% |
| JPMorgan Chase Bank | $890M | 10.6% | +7% |
| PNC Bank | $734M | 8.8% | +4% |
| The Huntington National Bank | $402M | 4.8% | +34% |
| Union Savings Bank | $261M | 3.1% | +16% |
| LCNB National Bank | $177M | 2.1% | +7% |
| KeyBank | $130M | 1.6% | -32% |
| Guardian Savings Bank | $102M | 1.2% | +146% |
| Somerville Bank | $93M | 1.1% | -3% |
| Valley Central Bank | $83M | 1.0% | +22% |
| Bank of America | $70M | 0.8% | +440% |
| The North Side Bank and Trust Company | $57M | 0.7% | -9% |
| Republic Bank & Trust Company | $25M | 0.3% | +76% |
| The Farmers & Merchants State Bank | $19M | 0.2% | no 2021 presence |
| The Harrison Building and Loan Association | $17M | 0.2% | -12% |
| 1st National Bank | $16M | 0.2% | +20% |
| Miami Savings Bank | $8M | 0.1% | -29% |
| Woodforest National Bank | $3M | <0.1% | +19% |
| Stock Yards Bank & Trust Company | $1M | <0.1% | no 2021 presence |
The 21 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county 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 county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Cincinnati-Wilmington market
Butler County is one of 16 counties that make up the Cincinnati-Wilmington, OH-KY-IN market, a Combined Statistical Area (ranked #34 of 293 U.S. markets by economic output). It produces 14.1% of the market’s output and holds 4.4% of its deposits.
| Measure | Butler County | Share of parent market |
|---|---|---|
| 2024 GDP | $23.1B | 14.1% |
| Deposits | $8.4B | 4.4% |
| Population | 400,128 | 17.0% |
View the full Cincinnati-Wilmington market profile →
Recruiting in Butler 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 Butler County.
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