Market Intelligence

Carlisle County, KY

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

Carlisle County, Kentucky, a county in the Paducah-Mayfield, KY-IL market, holds $253M in deposits across 2 insured institutions and 5 branches. Citizens Deposit Bank of Arlington, Inc. is the largest deposit holder at 86.8% share. The top three institutions hold 100.0% of deposits, which places the county in the concentrated band. Deposits have grown 29.2% since 2020 while the branch count rose by 1. It produces $198M of output, ranking #1,494 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$198M
#1,494 of 1,523
Total Deposits
$253M
#1,379 of 1,523
Population
4,747
#1,510 of 1,523
GDP per Capita
$41,768
#846 of 1,523
Insured Institutions
2
#1,420 of 1,523
Deposits per Branch
$51M
#1,369 of 1,523
Deposits per Capita
$53,206
#81 of 1,523
Branches per 100k Pop.
105.3
#4 of 1,523
Median Institution Size
$126M
Median deposits of the institutions operating in the county. #675 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
100.0%
of market deposits held by banks with $100M to $50B in assets. #35 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
100.0%
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+29.2% over 5 years
$195M
2020
$216M
2021
$236M
2022
$233M
2023
$240M
2024
$253M
2025

Branches: 4 in 2020 to 5 in 2025. Institutions: 2 to 2. Top-three share: 100.0% to 100.0%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Citizens Deposit Bank of Arlington, Inc.$219M86.8%3+37%
First Kentucky Bank, Inc.$33M13.2%2-7%

The 2 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.

Part of the Paducah-Mayfield market

Carlisle County is one of 6 counties that make up the Paducah-Mayfield, KY-IL market, a Combined Statistical Area (ranked #221 of 293 U.S. markets by economic output). It produces 2.5% of the market’s output and holds 6.2% of its deposits.

MeasureCarlisle CountyShare of Paducah-Mayfield market
2024 GDP$198M2.5%
Deposits$253M6.2%
Population4,7473.4%

View the full Paducah-Mayfield market profile →

Recruiting in Carlisle 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 Carlisle County, on a retained basis.

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