Jessamine County, Kentucky, a county in the Lexington-Fayette--Richmond--Frankfort, KY market, holds $954M in deposits across 11 insured institutions and 16 branches. The Farmers Bank is the largest deposit holder at 26.3% share. The top three banks hold 56% of deposits, which places the county in the Moderate band. Deposits have grown 16.9% since 2021 while the branch count fell by 15.8%. It produced $2.3B of real gross domestic product in 2024, ranking #878 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: 19 in 2021 to 16 in 2026. Institutions: 12 to 11. Top-three share: 51% to 56%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| The Farmers Bank | $251M | 26.3% | +35% |
| Central Bank & Trust Co. | $171M | 17.9% | +39% |
| WesBanco Bank, Inc. | $117M | 12.3% | +8% |
| PNC Bank | $96M | 10.0% | +13% |
| City National Bank of West Virginia | $93M | 9.8% | -12% |
| First Southern National Bank | $73M | 7.6% | +41% |
| JPMorgan Chase Bank | $65M | 6.9% | +26% |
| Stock Yards Bank & Trust Company | $61M | 6.3% | -24% |
| The Citizens National Bank of Somerset | $18M | 1.8% | +41% |
| The Monticello Banking Company | $8M | 0.9% | -27% |
| Woodforest National Bank | $2M | 0.2% | +17% |
The 11 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 Lexington-Fayette--Richmond--Frankfort market
Jessamine County is one of 14 counties that make up the Lexington-Fayette--Richmond--Frankfort, KY market, a Combined Statistical Area (ranked #81 of 293 U.S. markets by economic output). It produces 5.4% of the market’s output and holds 4.5% of its deposits.
| Measure | Jessamine County | Share of parent market |
|---|---|---|
| 2024 GDP | $2.3B | 5.4% |
| Deposits | $954M | 4.5% |
| Population | 57,147 | 7.2% |
View the full Lexington-Fayette--Richmond--Frankfort market profile →
Recruiting in Jessamine 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 Jessamine County.
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