Campbell County, Kentucky, a core county of the Cincinnati-Wilmington, OH-KY-IN market, holds $2.5B in deposits across 11 insured institutions and 26 branches. Fifth Third Bank, National Association is the largest deposit holder at 28.2% share. The top three institutions hold 56.2% of deposits, which places the county in the moderately concentrated band. Deposits have grown 34.9% since 2020 while the branch count fell by 8. It produces $3.9B of output, ranking #684 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 34 in 2020 to 26 in 2025. Institutions: 12 to 11. Top-three share: 61.8% to 56.2%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Fifth Third Bank, National Association | $713M | 28.2% | +11% |
| Truist Bank | $389M | 15.4% | +129% |
| U.S. Bank National Association | $318M | 12.6% | +21% |
| PNC Bank, National Association | $284M | 11.3% | +12% |
| WesBanco Bank, Inc. | $260M | 10.3% | +60% |
| Heritage Bank, Inc. | $191M | 7.5% | +74% |
| JPMorgan Chase Bank, National Association | $121M | 4.8% | +8% |
| Guardian Savings Bank | $103M | 4.1% | +30% |
| Stock Yards Bank & Trust Company | $96M | 3.8% | +120% |
| German American Bank | $36M | 1.4% | no 2020 presence |
The 10 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 Cincinnati-Wilmington market
Campbell 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 2.4% of the market’s output and holds 1.3% of its deposits.
| Measure | Campbell County | Share of Cincinnati-Wilmington market |
|---|---|---|
| 2024 GDP | $3.9B | 2.4% |
| Deposits | $2.5B | 1.3% |
| Population | 95,441 | 4.1% |
View the full Cincinnati-Wilmington market profile →
Recruiting in Campbell County
Deposits are split among a moderate 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 Campbell County, on a retained basis.
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