Montgomery County, Ohio, a core county of the Dayton-Springfield-Kettering, OH market, holds $11.2B in deposits across 20 insured institutions and 96 branches. Fifth Third Bank is the largest deposit holder at 29.1% share. The top three banks hold 61% of deposits, which places the county in the Concentrated band. Deposits have fallen 6.4% since 2021 while the branch count fell by 13.5%. It produced $31.9B of real gross domestic product in 2024, ranking #149 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: 111 in 2021 to 96 in 2026. Institutions: 20 to 20. Top-three share: 69% to 61%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Fifth Third Bank | $3.3B | 29.1% | -26% |
| JPMorgan Chase Bank | $1.9B | 16.8% | -11% |
| PNC Bank | $1.7B | 14.9% | -1% |
| KeyBank | $1.1B | 9.8% | +16% |
| U.S. Bank | $809M | 7.2% | +36% |
| The Huntington National Bank | $635M | 5.7% | +2% |
| First Financial Bank | $555M | 5.0% | +17% |
| Union Savings Bank | $419M | 3.7% | +10% |
| Farmers & Merchants Bank | $282M | 2.5% | +31% |
| LCNB National Bank | $188M | 1.7% | +17% |
| Civista Bank | $115M | 1.0% | -4% |
| The First National Bank of Germantown | $85M | 0.8% | +24% |
| Monroe Federal Savings and Loan Association | $59M | 0.5% | -13% |
| WesBanco Bank, Inc. | $56M | 0.5% | +57% |
| Minster Bank | $30M | 0.3% | +97% |
| The Brookville Building and Savings Association | $26M | 0.2% | -13% |
| The Twin Valley Bank | $15M | 0.1% | +101% |
| Woodforest National Bank | $12M | 0.1% | -4% |
| Somerville Bank | $10M | 0.1% | +219% |
| 1st National Bank | $2M | <0.1% | +300% |
The 20 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 Dayton-Springfield-Kettering market
Montgomery County is one of 7 counties that make up the Dayton-Springfield-Kettering, OH market, a Combined Statistical Area (ranked #64 of 293 U.S. markets by economic output). It produces 52.9% of the market’s output and holds 50.1% of its deposits.
| Measure | Montgomery County | Share of parent market |
|---|---|---|
| 2024 GDP | $31.9B | 52.9% |
| Deposits | $11.2B | 50.1% |
| Population | 539,598 | 49.0% |
View the full Dayton-Springfield-Kettering market profile →
Recruiting in Montgomery 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 Montgomery County.
See how we help banks recruit commercial banking talent