Fayette County, Kentucky, a core county of the Lexington-Fayette--Richmond--Frankfort, KY market, holds $12.3B in deposits across 33 insured institutions and 114 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 16.2% share. The top three banks hold 46% of deposits, which places the county in the Moderate band. Deposits have grown 29.2% since 2020 while the branch count fell by 0.9%. It produces $22.7B of output, ranking #202 of the 1,523 ranked counties by economic output.
Economic scale
2024 Real GDP
$22.7B
#202 of 1,523
Population
329,751
#227 of 1,523
GDP per Capita
$68,736
#208 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$12.3B
#175 of 1,523
Deposits per Capita
$37,242
#213 of 1,523
Deposits per Branch
$108M
#496 of 1,523
Competitive structure
Insured Institutions
33
#73 of 1,523
Branches per 100k Pop.
34.6
#341 of 1,523
Median Deposits per Institution
$150M
The median deposits booked by a single institution in the county. #526 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
48.8%
of county deposits held by banks with $100M to $100B in assets. #1,112 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 Banks’ Deposit Share: Moderate
46%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.
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
County Deposits (SOD, 2020 to 2025)+29.2% over 5 years
$9.5B
2020
$11.9B
2021
$12.5B
2022
$11.3B
2023
$11.4B
2024
$12.3B
2025
Branches: 115 in 2020 to 114 in 2025. Institutions: 31 to 33. Top-three share: 50% to 46%.
The 33 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 Lexington-Fayette--Richmond--Frankfort market
Fayette County is one of 14 counties that make up the Lexington-Fayette--Richmond--Frankfort, KY market, a Combined Statistical Area (ranked #81 of 293 U.S. markets by economic output). It produces 53.3% of the market’s output and holds 58.0% of its deposits.
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 Fayette County.
All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.
