Oldham County, Kentucky, a core county of the Louisville/Jefferson County--Elizabethtown, KY-IN market, holds $1.1B in deposits across 10 insured institutions and 14 branches. Stock Yards Bank & Trust Company is the largest deposit holder at 38.0% share. The top three institutions hold 80.8% of deposits, which places the county in the concentrated band. Deposits have grown 36.4% since 2020. It produces $2.3B of output, ranking #869 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 14 in 2020 to 14 in 2025. Institutions: 10 to 10. Top-three share: 77.7% to 80.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Stock Yards Bank & Trust Company | $423M | 38.0% | +48% |
| PNC Bank, National Association | $401M | 36.0% | +41% |
| The Farmers Bank of Milton | $75M | 6.7% | +16% |
| JPMorgan Chase Bank, National Association | $68M | 6.2% | +49% |
| Fifth Third Bank, National Association | $59M | 5.3% | +27% |
| German American Bank | $29M | 2.6% | no 2020 presence |
| Bedford Loan & Deposit Bank | $26M | 2.3% | -9% |
| FIRST NATIONAL BANK OF KENTUCKY | $15M | 1.3% | +277% |
| United Citizens Bank & Trust Company | $13M | 1.2% | no 2020 presence |
| Woodforest National Bank | $4M | 0.4% | +17% |
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 Louisville/Jefferson County--Elizabethtown market
Oldham County is one of 14 counties that make up the Louisville/Jefferson County--Elizabethtown, KY-IN market, a Combined Statistical Area (ranked #41 of 293 U.S. markets by economic output). It produces 2.6% of the market’s output and holds 2.3% of its deposits.
| Measure | Oldham County | Share of Louisville/Jefferson County--Elizabethtown market |
|---|---|---|
| 2024 GDP | $2.3B | 2.6% |
| Deposits | $1.1B | 2.3% |
| Population | 70,986 | 4.6% |
View the full Louisville/Jefferson County--Elizabethtown market profile →
Recruiting in Oldham 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 Oldham County, on a retained basis.
Start a confidential conversation