Clinton County, Ohio, a core county of the Cincinnati-Wilmington, OH-KY-IN market, holds $973M in deposits across 11 insured institutions and 16 branches. Peoples Bank is the largest deposit holder at 25.4% share. The top three banks hold 60% of deposits, which places the county in the Concentrated band. Deposits have grown 6.6% since 2020. It produces $2.5B of output, ranking #846 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: 16 in 2020 to 16 in 2025. Institutions: 11 to 11. Top-three share: 62% to 60%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Peoples Bank | $247M | 25.3% | +9% |
| The Wilmington Savings Bank | $192M | 19.8% | +50% |
| Fifth Third Bank | $144M | 14.8% | +11% |
| Liberty Savings Bank, F.S.B. | $92M | 9.5% | -56% |
| The First National Bank of Blanchester | $69M | 7.1% | +20% |
| The Merchants National Bank | $66M | 6.7% | +173% |
| PNC Bank | $63M | 6.5% | +11% |
| First Financial Bank | $50M | 5.1% | +12% |
| LCNB National Bank | $40M | 4.2% | +44% |
| First State Bank | $7M | 0.7% | +141% |
| Woodforest National Bank | $2M | 0.2% | -14% |
The 11 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 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
Clinton 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 1.5% of the market’s output and holds 0.5% of its deposits.
| Measure | Clinton County | Share of parent market |
|---|---|---|
| 2024 GDP | $2.5B | 1.5% |
| Deposits | $973M | 0.5% |
| Population | 42,301 | 1.8% |
View the full Cincinnati-Wilmington market profile →
Recruiting in Clinton 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 Clinton County.
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