Kenton County, Kentucky, a core county of the Cincinnati-Wilmington, OH-KY-IN market, holds $4.2B in deposits across 18 insured institutions and 45 branches. Fifth Third Bank is the largest deposit holder at 20.9% share. The top three banks hold 50% of deposits, which places the county in the Moderate band. Deposits have fallen 2.7% since 2021 while the branch count fell by 10.0%. It produced $9.7B of real gross domestic product in 2024, ranking #371 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: 50 in 2021 to 45 in 2026. Institutions: 17 to 18. Top-three share: 56% to 50%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Fifth Third Bank | $882M | 20.9% | +24% |
| U.S. Bank | $700M | 16.6% | +12% |
| Heritage Bank, Inc. | $541M | 12.8% | +30% |
| The Huntington National Bank | $497M | 11.8% | -8% |
| Truist Bank | $484M | 11.5% | -57% |
| PNC Bank | $266M | 6.3% | -1% |
| First Financial Bank | $176M | 4.2% | +196% |
| Republic Bank & Trust Company | $122M | 2.9% | -6% |
| Central Bank & Trust Co. | $109M | 2.6% | -6% |
| Guardian Savings Bank | $104M | 2.5% | +25% |
| JPMorgan Chase Bank | $81M | 1.9% | -1% |
| Bank of America | $69M | 1.6% | no 2021 presence |
| German American Bank | $64M | 1.5% | -18% |
| Stock Yards Bank & Trust Company | $49M | 1.2% | +17% |
| Citizens Federal Savings and Loan Association | $28M | 0.7% | +1% |
| First National Bank of Kentucky | $27M | 0.7% | no 2021 presence |
| Home Savings Bank, FSB | $20M | 0.5% | -4% |
| The First National Bank of Williamson | $0M | 0.0% | no 2021 presence |
The 18 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 Cincinnati-Wilmington market
Kenton 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 5.9% of the market’s output and holds 2.2% of its deposits.
| Measure | Kenton County | Share of parent market |
|---|---|---|
| 2024 GDP | $9.7B | 5.9% |
| Deposits | $4.2B | 2.2% |
| Population | 175,779 | 7.5% |
View the full Cincinnati-Wilmington market profile →
Recruiting in Kenton 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 Kenton County.
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