Market Intelligence

Franklin County, OH

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Columbus-Marion-Zanesville, OH › Franklin County

Franklin County, Ohio, a core county of the Columbus-Marion-Zanesville, OH market, holds $105.7B in deposits across 34 insured institutions and 280 branches. The Huntington National Bank is the largest deposit holder at 45.8% share. The top three banks hold 74% of deposits, which places the county in the Concentrated band. Deposits have grown 28.3% since 2021 while the branch count fell by 9.1%. It produced $111.9B of real gross domestic product in 2024, ranking #32 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$111.9B
#32 of 1,523
Population
1,361,536
#32 of 1,523
GDP per Capita
$82,218
#119 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$105.7B
#29 of 1,523
Deposits per Capita
$77,645
#36 of 1,523
Deposits per Branch
$378M
#30 of 1,523
Competitive structure
Insured Institutions
34
#66 of 1,523
Branches per 100k Pop.
20.6
#961 of 1,523
Median Deposits per Institution
$265M
The median deposits booked by a single institution in the county. #203 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
10.7%
of county deposits held by banks with $100M to $100B in assets. #1,495 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: Concentrated
74%
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, 2021 to 2026)+28.3% over 5 years
$82.4B
2021
$84.0B
2022
$87.4B
2023
$87.4B
2024
$100.3B
2025
$105.7B
2026

Branches: 308 in 2021 to 280 in 2026. Institutions: 36 to 34. Top-three share: 74% to 74%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
The Huntington National Bank$48.5B45.8%44+55%
JPMorgan Chase Bank$21.1B20.0%40-4%
Bank of America$9.2B8.7%15+82%
PNC Bank$6.9B6.6%25-12%
Fifth Third Bank$5.3B5.1%30-13%
Erebor Bank$4.1B3.8%1no 2021 presence
U.S. Bank$1.7B1.6%24+3%
KeyBank$1.7B1.6%18-19%
German American Bank$1.0B1.0%15+9%
CFBank$882M0.8%1+82%
WesBanco Bank, Inc.$812M0.8%8+1%
First Merchants Bank$647M0.6%9-16%
Union Savings Bank$531M0.5%6+10%
The Park National Bank$507M0.5%5+103%
First Financial Bank$468M0.4%4-20%
Ohio State Bank$405M0.4%2+104%
United Midwest Savings Bank$279M0.3%4-5%
CNB Bank$252M0.2%3-6%
Riverside Bank of Dublin$238M0.2%3+1,230%
First Bank of Central Ohio$232M0.2%3+2,450%
S&T Bank$160M0.2%1+15%
The Vinton County National Bank$159M0.2%2+20%
The State Bank and Trust Company$116M0.1%1+47%
Adelphi Bank$104M0.1%1no 2021 presence
Civista Bank$98M0.1%2+6%
First Commonwealth Bank$97M0.1%3+50%
First Bank Richmond$51M<0.1%1no 2021 presence
LCNB National Bank$49M<0.1%1-56%
The Farmers National Bank of Canfield$42M<0.1%1-59%
Fortuna Bank$38M<0.1%1no 2021 presence
Buckeye State Bank$36M<0.1%1-41%
First Federal Savings and Loan Association of Lakewood$17M<0.1%1+62%
Woodforest National Bank$6M<0.1%3-32%
Nationwide Trust Company, FSB$0M<0.1%10%

The 34 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 Columbus-Marion-Zanesville market

Franklin County is one of 18 counties that make up the Columbus-Marion-Zanesville, OH market, a Combined Statistical Area (ranked #31 of 293 U.S. markets by economic output). It produces 64.5% of the market’s output and holds 79.0% of its deposits.

MeasureFranklin CountyShare of parent market
2024 GDP$111.9B64.5%
Deposits$105.7B79.0%
Population1,361,53650.2%

View the full Columbus-Marion-Zanesville market profile →

Recruiting in Franklin 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 Franklin County.

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Other counties in the Columbus-Marion-Zanesville market

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.