Jessamine County, Kentucky, a county in the Lexington-Fayette--Richmond--Frankfort, KY market, holds $923M in deposits across 11 insured institutions and 16 branches. The Farmers Bank is the largest deposit holder at 22.9% share. The top three institutions hold 56.2% of deposits, which places the county in the moderately concentrated band. Deposits have grown 26.9% since 2020 while the branch count fell by 5. It produces $2.3B of output, ranking #878 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 21 in 2020 to 16 in 2025. Institutions: 12 to 11. Top-three share: 53.5% to 56.2%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Farmers Bank | $211M | 22.9% | +35% |
| Central Bank & Trust Co. | $164M | 17.8% | +36% |
| WesBanco Bank, Inc. | $143M | 15.5% | +28% |
| City National Bank of West Virginia | $102M | 11.0% | +53% |
| PNC Bank, National Association | $93M | 10.1% | +21% |
| First Southern National Bank | $61M | 6.6% | +52% |
| JPMorgan Chase Bank, National Association | $60M | 6.5% | +40% |
| Stock Yards Bank & Trust Company | $57M | 6.2% | no 2020 presence |
| The Citizens National Bank of Somerset | $18M | 1.9% | +55% |
| The Monticello Banking Company | $12M | 1.3% | +107% |
The 10 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 competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
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 4.4% of its deposits.
| Measure | Jessamine County | Share of Lexington-Fayette--Richmond--Frankfort market |
|---|---|---|
| 2024 GDP | $2.3B | 5.4% |
| Deposits | $923M | 4.4% |
| 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, on a retained basis.
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