Clermont County, Ohio, a core county of the Cincinnati-Wilmington, OH-KY-IN market, holds $4.6B in deposits across 17 insured institutions and 42 branches. Fifth Third Bank, National Association is the largest deposit holder at 24.3% share. The top three institutions hold 48.4% of deposits, which places the county in the moderately concentrated band. Deposits have grown 14.2% since 2020 while the branch count fell by 11. It produces $8.1B of output, ranking #418 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 53 in 2020 to 42 in 2025. Institutions: 18 to 17. Top-three share: 52.8% to 48.4%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Fifth Third Bank, National Association | $1.1B | 24.3% | +34% |
| Bank of America, National Association | $598M | 12.9% | -28% |
| JPMorgan Chase Bank, National Association | $515M | 11.1% | +30% |
| PNC Bank, National Association | $510M | 11.0% | +8% |
| U.S. Bank National Association | $374M | 8.1% | +20% |
| RiverHills Bank | $292M | 6.3% | +39% |
| The Huntington National Bank | $284M | 6.1% | +55% |
| The Park National Bank | $208M | 4.5% | +9% |
| First Commonwealth Bank | $177M | 3.8% | +523% |
| Peoples Bank | $163M | 3.5% | +37% |
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
Clermont 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 4.9% of the market’s output and holds 2.4% of its deposits.
| Measure | Clermont County | Share of Cincinnati-Wilmington market |
|---|---|---|
| 2024 GDP | $8.1B | 4.9% |
| Deposits | $4.6B | 2.4% |
| Population | 216,977 | 9.2% |
View the full Cincinnati-Wilmington market profile →
Recruiting in Clermont 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 Clermont County, on a retained basis.
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