Richland County, Ohio, a core county of the Mansfield-Ashland-Bucyrus, OH market, holds $2.4B in deposits across 11 insured institutions and 36 branches. Mechanics Bank is the largest deposit holder at 31.2% share. The top three institutions hold 69.0% of deposits, which places the county in the concentrated band. Deposits have grown 9.8% since 2020 while the branch count fell by 9. It produces $4.7B of output, ranking #629 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 45 in 2020 to 36 in 2025. Institutions: 14 to 11. Top-three share: 66.5% to 69.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Mechanics Bank | $752M | 31.2% | +31% |
| The Park National Bank | $626M | 26.0% | -4% |
| The Huntington National Bank | $283M | 11.7% | +65% |
| JPMorgan Chase Bank, National Association | $257M | 10.7% | +12% |
| KeyBank National Association | $150M | 6.2% | -16% |
| Civista Bank | $102M | 4.2% | 0% |
| First Federal Bank of Ohio | $85M | 3.5% | +32% |
| Sutton Bank | $63M | 2.6% | +35% |
| U.S. Bank National Association | $59M | 2.5% | -14% |
| CNB Bank | $28M | 1.2% | +23% |
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 Mansfield-Ashland-Bucyrus market
Richland County is one of 3 counties that make up the Mansfield-Ashland-Bucyrus, OH market, a Combined Statistical Area (ranked #223 of 293 U.S. markets by economic output). It produces 59.5% of the market’s output and holds 53.2% of its deposits.
| Measure | Richland County | Share of Mansfield-Ashland-Bucyrus market |
|---|---|---|
| 2024 GDP | $4.7B | 59.5% |
| Deposits | $2.4B | 53.2% |
| Population | 124,893 | 56.9% |
View the full Mansfield-Ashland-Bucyrus market profile →
Recruiting in Richland 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 Richland County, on a retained basis.
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