Montgomery County, Ohio, a core county of the Dayton-Springfield-Kettering, OH market, holds $10.7B in deposits across 20 insured institutions and 98 branches. Fifth Third Bank, National Association is the largest deposit holder at 31.6% share. The top three institutions hold 64.2% of deposits, which places the county in the concentrated band. Deposits have fallen 0.4% since 2020 while the branch count fell by 22. It produces $31.9B of output, ranking #149 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 120 in 2020 to 98 in 2025. Institutions: 18 to 20. Top-three share: 66.0% to 64.2%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Fifth Third Bank, National Association | $3.4B | 31.6% | -9% |
| JPMorgan Chase Bank, National Association | $1.8B | 17.2% | -1% |
| PNC Bank, National Association | $1.6B | 15.4% | +10% |
| KeyBank National Association | $962M | 9.0% | -11% |
| The Huntington National Bank | $607M | 5.7% | 0% |
| First Financial Bank | $523M | 4.9% | +22% |
| U.S. Bank National Association | $476M | 4.5% | -6% |
| Union Savings Bank | $406M | 3.8% | +8% |
| Farmers & Merchants Bank | $267M | 2.5% | +45% |
| LCNB National Bank | $183M | 1.7% | +16% |
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 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 49.8% of its deposits.
| Measure | Montgomery County | Share of Dayton-Springfield-Kettering market |
|---|---|---|
| 2024 GDP | $31.9B | 52.9% |
| Deposits | $10.7B | 49.8% |
| 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, on a retained basis.
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