Warren County, Kentucky, a core county of the Bowling Green-Glasgow-Franklin, KY market, holds $3.9B in deposits across 21 insured institutions and 52 branches. American Bank & Trust Company, Inc. is the largest deposit holder at 19.7% share. The top three institutions hold 43.8% of deposits, which places the county in the fragmented band. Deposits have grown 31.8% since 2020 while the branch count fell by 4. It produces $8.9B of output, ranking #394 of the 1,523 counties within a CSA or MSA by economic output.
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
Branches: 56 in 2020 to 52 in 2025. Institutions: 20 to 21. Top-three share: 48.6% to 43.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| American Bank & Trust Company, Inc. | $773M | 19.7% | +73% |
| U.S. Bank | $489M | 12.5% | -2% |
| Truist Bank | $454M | 11.6% | -8% |
| Independence Bank of Kentucky | $395M | 10.1% | +62% |
| South Central Bank, Inc. | $284M | 7.3% | +22% |
| German American Bank | $265M | 6.8% | -4% |
| Franklin Bank & Trust Company | $226M | 5.8% | +49% |
| PNC Bank | $206M | 5.3% | +14% |
| Pinnacle Bank | $173M | 4.4% | no 2020 presence |
| FirstBank | $121M | 3.1% | +32% |
The 10 largest of 21 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 Bowling Green-Glasgow-Franklin market
Warren County is one of 7 counties that make up the Bowling Green-Glasgow-Franklin, KY market, a Combined Statistical Area (ranked #171 of 293 U.S. markets by economic output). It produces 71.0% of the market’s output and holds 58.6% of its deposits.
| Measure | Warren County | Share of parent market |
|---|---|---|
| 2024 GDP | $8.9B | 71.0% |
| Deposits | $3.9B | 58.6% |
| Population | 149,375 | 54.5% |
View the full Bowling Green-Glasgow-Franklin market profile →
Recruiting in Warren County
Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Warren County, on a retained basis.
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