Hamilton County, Ohio, a core county of the Cincinnati-Wilmington, OH-KY-IN market, holds $159.2B in deposits across 33 insured institutions and 240 branches. U.S. Bank National Association is the largest deposit holder at 63.3% share. The top three institutions hold 91.5% of deposits, which places the county in the concentrated band. Deposits have grown 16.7% since 2020 while the branch count fell by 30. It produces $84.7B of output, ranking #55 of the 1,523 counties within a CSA or MSA 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: 270 in 2020 to 240 in 2025. Institutions: 38 to 33. Top-three share: 91.2% to 91.5%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| U.S. Bank | $100.8B | 63.3% | +29% |
| Fifth Third Bank | $38.3B | 24.1% | -4% |
| PNC Bank | $6.5B | 4.1% | +7% |
| First Financial Bank | $3.3B | 2.1% | +32% |
| The Huntington National Bank | $2.7B | 1.7% | 0% |
| JPMorgan Chase Bank | $1.3B | 0.8% | -8% |
| Union Savings Bank | $1.1B | 0.7% | +1% |
| KeyBank | $842M | 0.5% | +11% |
| The North Side Bank and Trust Company | $814M | 0.5% | +33% |
| Guardian Savings Bank | $551M | 0.3% | 0% |
The 10 largest of 33 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. Deposit figures are nominal and are not adjusted for inflation.
Part of the Cincinnati-Wilmington market
Hamilton 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 51.6% of the market’s output and holds 82.7% of its deposits.
| Measure | Hamilton County | Share of parent market |
|---|---|---|
| 2024 GDP | $84.7B | 51.6% |
| Deposits | $159.2B | 82.7% |
| Population | 838,418 | 35.6% |
View the full Cincinnati-Wilmington market profile →
Recruiting in Hamilton 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 Hamilton County, on a retained basis.
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