Shelby County, Ohio, a core county of the Dayton-Springfield-Kettering, OH market, holds $1.4B in deposits across 10 insured institutions and 19 branches. U.S. Bank National Association is the largest deposit holder at 31.1% share. The top three institutions hold 58.6% of deposits, which places the county in the moderately concentrated band. Deposits have grown 22.3% since 2020 while the branch count fell by 4. It produces $3.2B of output, ranking #740 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 23 in 2020 to 19 in 2025. Institutions: 10 to 10. Top-three share: 63.2% to 58.6%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| U.S. Bank National Association | $439M | 31.1% | +1% |
| JPMorgan Chase Bank, National Association | $214M | 15.2% | +11% |
| First Bank Richmond | $173M | 12.3% | +81% |
| The Farmers & Merchants State Bank | $129M | 9.2% | no 2020 presence |
| Minster Bank | $112M | 8.0% | +31% |
| Osgood Bank | $101M | 7.2% | +55% |
| Fifth Third Bank, National Association | $100M | 7.1% | +21% |
| First National Bank in New Bremen | $94M | 6.7% | +38% |
| PNC Bank, National Association | $32M | 2.3% | +38% |
| The Peoples Savings and Loan Company | $14M | 1.0% | +325% |
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
Shelby 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 5.4% of the market’s output and holds 6.6% of its deposits.
| Measure | Shelby County | Share of Dayton-Springfield-Kettering market |
|---|---|---|
| 2024 GDP | $3.2B | 5.4% |
| Deposits | $1.4B | 6.6% |
| Population | 48,065 | 4.4% |
View the full Dayton-Springfield-Kettering market profile →
Recruiting in Shelby 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 Shelby County, on a retained basis.
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