Market Intelligence

Trumbull County, OH

Banking market profile · FDIC Summary of Deposits, June 30, 2025

Trumbull County, Ohio, a core county of the Youngstown-Warren-Salem, OH market, holds $3.8B in deposits across 11 insured institutions and 38 branches. The Huntington National Bank is the largest deposit holder at 32.7% share. The top three institutions hold 72.1% of deposits, which places the county in the concentrated band. Deposits have grown 16.8% since 2020 while the branch count fell by 12. It produces $7.6B of output, ranking #437 of the 1,523 counties within a CSA or MSA by economic output.

Economic scale
2024 Real GDP
$7.6B
#437 of 1,523
Population
198,972
#358 of 1,523
GDP per Capita
$38,102
#959 of 1,523
Deposit market
Total Deposits
$3.8B
#416 of 1,523
Deposits per Capita
$19,103
#940 of 1,523
Deposits per Branch
$100M
#593 of 1,523
Competitive structure
Insured Institutions
11
#636 of 1,523
Branches per 100k Pop.
19.1
#1,072 of 1,523
Median Deposits per Institution
$196M
The median deposits booked by a single institution in the county. #342 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
40.4%
of county deposits held by banks with $100M to $50B in assets. #1,112 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Deposit Share: concentrated
72.1%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

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

Total county deposits (nominal), 2020 to 2025+16.8% over 5 years
$3.3B
2020
$3.6B
2021
$3.8B
2022
$3.8B
2023
$3.8B
2024
$3.8B
2025

Branches: 50 in 2020 to 38 in 2025. Institutions: 13 to 11. Top-three share: 51.1% to 72.1%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
The Huntington National Bank$1.2B32.7%10+13%
The Farmers$922M24.3%11+193%
JPMorgan Chase Bank$574M15.1%4+13%
PNC Bank$322M8.5%2+3%
First$262M6.9%3+36%
WesBanco Bank, Inc.$196M5.2%3no 2020 presence
Home Federal Savings and Loan Association of Niles$88M2.3%1+46%
Citizens Bank$87M2.3%1no 2020 presence
The Middlefield Banking Company$62M1.6%1-3%
KeyBank$38M1.0%1-4%

The 10 largest of 11 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 organic growth; “no 2020 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 Youngstown-Warren-Salem market

Trumbull County is one of 3 counties that make up the Youngstown-Warren-Salem, OH market, a Combined Statistical Area (ranked #128 of 293 U.S. markets by economic output). It produces 35.9% of the market’s output and holds 30.6% of its deposits.

MeasureTrumbull CountyShare of parent market
2024 GDP$7.6B35.9%
Deposits$3.8B30.6%
Population198,97238.0%

View the full Youngstown-Warren-Salem market profile →

Recruiting in Trumbull 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 Trumbull County, on a retained basis.

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