Christian County, Kentucky, a county in the Clarksville, TN-KY market, holds $1.5B in deposits across 8 insured institutions and 16 branches. Planters Bank, Inc. is the largest deposit holder at 48.3% share. The top three institutions hold 81.0% of deposits, which places the county in the concentrated band. Deposits have grown 29.3% since 2020 while the branch count fell by 2. It produces $6.1B of output, ranking #516 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 18 in 2020 to 16 in 2025. Institutions: 6 to 8. Top-three share: 81.9% to 81.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Planters Bank, Inc. | $711M | 48.3% | +34% |
| Truist Bank | $298M | 20.2% | +28% |
| United Southern Bank | $183M | 12.4% | +52% |
| U.S. Bank National Association | $102M | 7.0% | +37% |
| First Financial Bank, National Association | $97M | 6.6% | -42% |
| F&M Bank | $61M | 4.1% | no 2020 presence |
| Bank of Cadiz and Trust Company | $18M | 1.2% | +67% |
| First Southern National Bank | $2M | 0.1% | no 2020 presence |
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 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 Clarksville market
Christian County is one of 4 counties that make up the Clarksville, TN-KY market, a Metropolitan Statistical Area (ranked #160 of 293 U.S. markets by economic output). It produces 41.9% of the market’s output and holds 23.9% of its deposits.
| Measure | Christian County | Share of Clarksville market |
|---|---|---|
| 2024 GDP | $6.1B | 41.9% |
| Deposits | $1.5B | 23.9% |
| Population | 70,115 | 20.1% |
View the full Clarksville market profile →
Recruiting in Christian 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 Christian County, on a retained basis.
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