Market Intelligence

Licking County, OH

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Licking County, Ohio, a county in the Columbus-Marion-Zanesville, OH market, holds $3.7B in deposits across 14 insured institutions and 42 branches. The Park National Bank is the largest deposit holder at 44.6% share. The top three banks hold 75% of deposits, which places the county in the Concentrated band. Deposits have grown 11.9% since 2021 while the branch count rose by 7.7%. It produced $8.5B of real gross domestic product in 2024, ranking #405 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$8.5B
#405 of 1,523
Population
185,564
#377 of 1,523
GDP per Capita
$45,794
#709 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$3.7B
#432 of 1,523
Deposits per Capita
$19,904
#918 of 1,523
Deposits per Branch
$88M
#807 of 1,523
Competitive structure
Insured Institutions
14
#420 of 1,523
Branches per 100k Pop.
22.6
#845 of 1,523
Median Deposits per Institution
$65M
The median deposits booked by a single institution in the county. #1,294 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
61.0%
of county deposits held by banks with $100M to $100B in assets. #911 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: Concentrated
75%
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, 2021 to 2026)+11.9% over 5 years
$3.3B
2021
$3.3B
2022
$3.5B
2023
$3.8B
2024
$3.7B
2025
$3.7B
2026

Branches: 39 in 2021 to 42 in 2026. Institutions: 13 to 14. Top-three share: 80% to 75%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
The Park National Bank$1.6B44.6%11-10%
The Huntington National Bank$598M16.2%5+53%
JPMorgan Chase Bank$528M14.3%6+30%
First Federal Savings and Loan Association$251M6.8%5+27%
PNC Bank$235M6.4%1+80%
German American Bank$159M4.3%2-10%
Fifth Third Bank$81M2.2%1+67%
North Valley Bank$49M1.3%2+101%
The Vinton County National Bank$39M1.1%1+72%
Peoples Bank$36M1.0%2+48%
Peoples State Bank$35M0.9%2-6%
The Community Bank$24M0.7%1no 2021 presence
The Home Loan Savings Bank$6M0.2%1no 2021 presence
Woodforest National Bank$5M0.1%2+28%

The 14 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 Columbus-Marion-Zanesville market

Licking County is one of 18 counties that make up the Columbus-Marion-Zanesville, OH market, a Combined Statistical Area (ranked #31 of 293 U.S. markets by economic output). It produces 4.9% of the market’s output and holds 2.8% of its deposits.

MeasureLicking CountyShare of parent market
2024 GDP$8.5B4.9%
Deposits$3.7B2.8%
Population185,5646.8%

View the full Columbus-Marion-Zanesville market profile →

Recruiting in Licking County

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Licking County.

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