Guernsey County, Ohio, a core county of the Columbus-Marion-Zanesville, OH market, holds $917M in deposits across 8 insured institutions and 10 branches. Peoples Bank is the largest deposit holder at 33.3% share. The top three institutions hold 73.7% of deposits, which places the county in the concentrated band. Deposits have grown 21.8% since 2020 while the branch count fell by 4. It produces $3.1B of output, ranking #762 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 14 in 2020 to 10 in 2025. Institutions: 9 to 8. Top-three share: 75.2% to 73.7%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Peoples Bank | $305M | 33.3% | +11% |
| The Huntington National Bank | $228M | 24.9% | +41% |
| PNC Bank, National Association | $143M | 15.5% | +10% |
| U.S. Bank National Association | $116M | 12.7% | +27% |
| WesBanco Bank, Inc. | $66M | 7.2% | +35% |
| The Community Bank | $43M | 4.7% | +52% |
| The Citizens National Bank of Woodsfield | $11M | 1.2% | +24% |
| Woodforest National Bank | $5M | 0.5% | +16% |
The 8 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Columbus-Marion-Zanesville market
Guernsey 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 1.8% of the market’s output and holds 0.7% of its deposits.
| Measure | Guernsey County | Share of Columbus-Marion-Zanesville market |
|---|---|---|
| 2024 GDP | $3.1B | 1.8% |
| Deposits | $917M | 0.7% |
| Population | 38,379 | 1.4% |
View the full Columbus-Marion-Zanesville market profile →
Recruiting in Guernsey 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 Guernsey County, on a retained basis.
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