Market Intelligence

Lake County, OH

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Lake County, Ohio, a core county of the Cleveland-Akron-Canton, OH market, holds $6.8B in deposits across 16 insured institutions and 51 branches. The Huntington National Bank is the largest deposit holder at 21.4% share. The top three banks hold 49% of deposits, which places the county in the Moderate band. Deposits have grown 5.6% since 2020 while the branch count fell by 22.7%. It produces $12.2B of output, ranking #319 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$12.2B
#319 of 1,523
Population
232,217
#310 of 1,523
GDP per Capita
$52,333
#515 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$6.8B
#266 of 1,523
Deposits per Capita
$29,234
#417 of 1,523
Deposits per Branch
$133M
#268 of 1,523
Competitive structure
Insured Institutions
16
#340 of 1,523
Branches per 100k Pop.
22.0
#880 of 1,523
Median Deposits per Institution
$309M
The median deposits booked by a single institution in the county. #153 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
22.4%
of county deposits held by banks with $100M to $100B in assets. #1,425 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: Moderate
49%
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)+5.6% over 5 years
$6.4B
2020
$7.4B
2021
$7.6B
2022
$6.5B
2023
$6.5B
2024
$6.8B
2025

Branches: 66 in 2020 to 51 in 2025. Institutions: 17 to 16. Top-three share: 49% to 49%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
The Huntington National Bank$1.5B21.4%7+31%
JPMorgan Chase Bank$1.2B17.8%8+15%
KeyBank$676M10.0%6-7%
Citizens Bank$602M8.9%5-38%
Fifth Third Bank$601M8.8%4+27%
PNC Bank$522M7.7%3+5%
Third Federal Savings and Loan Association of Cleveland$429M6.3%1+14%
Flagstar Bank$340M5.0%3+13%
Dollar Bank, Federal Savings Bank$279M4.1%4+21%
CNB Bank$227M3.3%1+28%
U.S. Bank$195M2.9%3+25%
WesBanco Bank, Inc.$74M1.1%1no 2020 presence
First National Bank of Pennsylvania$67M1.0%1-49%
First Federal Savings and Loan Association of Lakewood$56M0.8%1+39%
The Andover Bank$51M0.7%1+97%
Bank of America$6M0.1%2no 2020 presence

The 16 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 Cleveland-Akron-Canton market

Lake County is one of 17 counties that make up the Cleveland-Akron-Canton, OH market, a Combined Statistical Area (ranked #20 of 293 U.S. markets by economic output). It produces 5.3% of the market’s output and holds 4.0% of its deposits.

MeasureLake CountyShare of parent market
2024 GDP$12.2B5.3%
Deposits$6.8B4.0%
Population232,2176.2%

View the full Cleveland-Akron-Canton market profile →

Recruiting in Lake 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 Lake County.

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