Market Intelligence › Cincinnati-Wilmington, OH-KY-IN › Hamilton County

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 banks hold 91% of deposits, which places the county in the Concentrated band. Deposits have grown 16.7% since 2020 while the branch count fell by 11.1%. It produces $84.7B of output, ranking #55 of the 1,523 ranked counties by economic output.

Economic scale

2024 Real GDP

$84.7B

#55 of 1,523

Population

838,418

#76 of 1,523

GDP per Capita

$101,008

#59 of 1,523

Deposit market

Deposits (SOD, 6/30/25)

$159.2B

#20 of 1,523

Deposits per Capita

$189,917

#12 of 1,523

Deposits per Branch

$663M

#15 of 1,523

Competitive structure

Insured Institutions

#74 of 1,523

Branches per 100k Pop.

28.6

#539 of 1,523

Median Deposits per Institution

$180M

The median deposits booked by a single institution in the county. #392 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

5.4%

of county deposits held by banks with $100M to $100B in assets. #1,507 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

91%

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)+16.7% over 5 years

$136.4B

2020

$128.7B

2021

$138.8B

2022

$162.2B

2023

$148.0B

2024

$159.2B

2025

Branches: 270 in 2020 to 240 in 2025. Institutions: 38 to 33. Top-three share: 91% to 91%.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr deposits
U.S. Bank	$100.8B	63.3%	25	+29%
Fifth Third Bank	$38.3B	24.1%	43	-4%
PNC Bank	$6.5B	4.1%	26	+7%
First Financial Bank	$3.3B	2.1%	20	+32%
The Huntington National Bank	$2.7B	1.7%	15	0%
JPMorgan Chase Bank	$1.3B	0.8%	15	-8%
Union Savings Bank	$1.1B	0.7%	9	+1%
KeyBank	$842M	0.5%	9	+11%
The North Side Bank and Trust Company	$814M	0.5%	8	+33%
Guardian Savings Bank	$551M	0.3%	6	0%
Stock Yards Bank & Trust Company	$465M	0.3%	4	+124%
First Commonwealth Bank	$342M	0.2%	6	+135%
LCNB National Bank	$299M	0.2%	7	+415%
WesBanco Bank, Inc.	$286M	0.2%	5	+52%
Republic Bank & Trust Company	$239M	0.2%	3	+67%
The Harrison Building and Loan Association	$197M	0.1%	2	+12%
The Park National Bank	$180M	0.1%	2	+52%
CFBank	$151M	0.1%	2	+125%
The Cincinnatus Savings & Loan Co.	$142M	0.1%	3	+97%
Bank of America	$129M	0.1%	10	+29,710%
Miami Savings Bank	$97M	0.1%	2	-8%
FCN Bank	$82M	0.1%	1	+44%
Forcht Bank	$76M	<0.1%	2	-17%
Spring Valley Bank	$71M	<0.1%	1	+28%
Warsaw Federal Savings and Loan Association	$64M	<0.1%	1	+26%
Valley Central Bank	$63M	<0.1%	1	+36%
Peoples Bank	$56M	<0.1%	3	+102%
Heritage Bank, Inc.	$49M	<0.1%	1	+165%
German American Bank	$31M	<0.1%	1	no 2020 presence
Truist Bank	$27M	<0.1%	1	-88%
New Foundation Savings Bank	$15M	<0.1%	1	-3%
1st National Bank	$10M	<0.1%	2	-46%
Woodforest National Bank	$8M	<0.1%	3	-4%

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 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.

See how we help banks recruit commercial banking talent

Deposit trend

Institutions by deposits

Part of the Cincinnati-Wilmington market

Recruiting in Hamilton County

Other counties in the Cincinnati-Wilmington market