Floyd County, Indiana, a core county of the Louisville/Jefferson County--Elizabethtown, KY-IN market, holds $2.7B in deposits across 14 insured institutions and 27 branches. PNC Bank, National Association is the largest deposit holder at 16.2% share. The top three institutions hold 45.5% of deposits, which places the county in the moderately concentrated band. Deposits have grown 43.9% since 2020 while the branch count fell by 5. It produces $3.3B of output, ranking #732 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 32 in 2020 to 27 in 2025. Institutions: 13 to 14. Top-three share: 50.0% to 45.5%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| PNC Bank, National Association | $433M | 16.2% | -8% |
| WesBanco Bank, Inc. | $390M | 14.7% | +44% |
| Truist Bank | $388M | 14.6% | +301% |
| JPMorgan Chase Bank, National Association | $261M | 9.8% | +42% |
| First Harrison Bank | $246M | 9.2% | +40% |
| Stock Yards Bank & Trust Company | $209M | 7.8% | +33% |
| First Financial Bank | $190M | 7.1% | +9% |
| German American Bank | $157M | 5.9% | +62% |
| First Savings Bank | $111M | 4.2% | +79% |
| Fifth Third Bank, National Association | $97M | 3.6% | +75% |
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 Louisville/Jefferson County--Elizabethtown market
Floyd County is one of 14 counties that make up the Louisville/Jefferson County--Elizabethtown, KY-IN market, a Combined Statistical Area (ranked #41 of 293 U.S. markets by economic output). It produces 3.6% of the market’s output and holds 5.5% of its deposits.
| Measure | Floyd County | Share of Louisville/Jefferson County--Elizabethtown market |
|---|---|---|
| 2024 GDP | $3.3B | 3.6% |
| Deposits | $2.7B | 5.5% |
| Population | 82,153 | 5.4% |
View the full Louisville/Jefferson County--Elizabethtown market profile →
Recruiting in Floyd 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 Floyd County, on a retained basis.
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