Hardin County, Kentucky, a core county of the Louisville/Jefferson County--Elizabethtown, KY-IN market, holds $2.6B in deposits across 13 insured institutions and 30 branches. The Cecilian Bank is the largest deposit holder at 22.6% share. The top three banks hold 59% of deposits, which places the county in the Moderate band. Deposits have grown 41.5% since 2020. It produces $5.8B of output, ranking #544 of the 1,523 ranked counties 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: 30 in 2020 to 30 in 2025. Institutions: 12 to 13. Top-three share: 57% to 59%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| The Cecilian Bank | $599M | 22.7% | +42% |
| WesBanco Bank, Inc. | $503M | 19.0% | +30% |
| West Point Bank | $448M | 17.0% | +79% |
| South Central Bank, Inc. | $254M | 9.6% | +25% |
| JPMorgan Chase Bank | $231M | 8.7% | +31% |
| Magnolia Bank, Incorporated | $229M | 8.7% | +156% |
| PNC Bank | $150M | 5.7% | 0% |
| Armed Forces Bank | $79M | 3.0% | +24% |
| Wilson & Muir Bank & Trust Company | $74M | 2.8% | +40% |
| Peoples Bank | $38M | 1.4% | no 2020 presence |
| German American Bank | $32M | 1.2% | no 2020 presence |
| Community Trust Bank, Inc. | $5M | 0.2% | no 2020 presence |
| Woodforest National Bank | $2M | 0.1% | -5% |
The 13 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 Louisville/Jefferson County--Elizabethtown market
Hardin 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 6.4% of the market’s output and holds 5.5% of its deposits.
| Measure | Hardin County | Share of parent market |
|---|---|---|
| 2024 GDP | $5.8B | 6.4% |
| Deposits | $2.6B | 5.5% |
| Population | 113,482 | 7.4% |
View the full Louisville/Jefferson County--Elizabethtown market profile →
Recruiting in Hardin 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 Hardin County.
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