McCracken County, Kentucky, a core county of the Paducah-Mayfield, KY-IL market, holds $2.2B in deposits across 10 insured institutions and 25 branches. The Paducah Bank and Trust Company is the largest deposit holder at 35.4% share. The top three institutions hold 59.9% of deposits, which places the county in the moderately concentrated band. Deposits have grown 15.0% since 2020 while the branch count fell by 3. It produces $5.3B of output, ranking #570 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 28 in 2020 to 25 in 2025. Institutions: 10 to 10. Top-three share: 64.1% to 59.9%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Paducah Bank and Trust Company | $783M | 35.4% | +27% |
| Regions Bank | $271M | 12.2% | +7% |
| U.S. Bank National Association | $270M | 12.2% | -18% |
| Community Financial Services Bank | $269M | 12.2% | -7% |
| Independence Bank of Kentucky | $251M | 11.3% | +34% |
| Banterra Bank | $213M | 9.7% | +38% |
| FNB Bank, Inc. | $81M | 3.6% | +89% |
| Truist Bank | $45M | 2.0% | -6% |
| Citizens Deposit Bank of Arlington, Inc. | $27M | 1.2% | +621% |
| Woodforest National Bank | $3M | 0.1% | +48% |
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 Paducah-Mayfield market
McCracken County is one of 6 counties that make up the Paducah-Mayfield, KY-IL market, a Combined Statistical Area (ranked #221 of 293 U.S. markets by economic output). It produces 67.5% of the market’s output and holds 53.9% of its deposits.
| Measure | McCracken County | Share of Paducah-Mayfield market |
|---|---|---|
| 2024 GDP | $5.3B | 67.5% |
| Deposits | $2.2B | 53.9% |
| Population | 67,553 | 48.5% |
View the full Paducah-Mayfield market profile →
Recruiting in McCracken 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 McCracken County, on a retained basis.
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