Warren County, Kentucky, a core county of the Bowling Green-Glasgow-Franklin, KY market, holds $4.0B in deposits across 22 insured institutions and 54 branches. American Bank & Trust Company, Inc. is the largest deposit holder at 20.1% share. The top three banks hold 44% of deposits, which places the county in the Fragmented band. Deposits have grown 12.4% since 2021 while the branch count fell by 3.6%. It produced $8.9B of real gross domestic product in 2024, ranking #394 of the 1,523 ranked counties 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 2021 to 54 in 2026. Institutions: 20 to 22. Top-three share: 51% to 44%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| American Bank & Trust Company, Inc. | $800M | 20.1% | +51% |
| U.S. Bank | $529M | 13.3% | -5% |
| Truist Bank | $425M | 10.7% | -40% |
| Independence Bank of Kentucky | $311M | 7.8% | +13% |
| South Central Bank, Inc. | $282M | 7.1% | +12% |
| German American Bank | $266M | 6.7% | -6% |
| Franklin Bank & Trust Company | $228M | 5.7% | +4% |
| Pinnacle Bank | $199M | 5.0% | no 2021 presence |
| PNC Bank | $193M | 4.8% | -7% |
| FirstBank | $150M | 3.8% | +37% |
| Farmers Bank and Trust Company | $134M | 3.4% | +616% |
| JPMorgan Chase Bank | $107M | 2.7% | +26% |
| Morgantown Bank & Trust Company, Incorporated | $94M | 2.4% | +101% |
| Bank of Edmonson County | $76M | 1.9% | +33% |
| Edmonton State Bank | $43M | 1.1% | +3% |
| The Monticello Banking Company | $39M | 1.0% | -45% |
| Fifth Third Bank | $34M | 0.9% | no 2021 presence |
| First Southern National Bank | $30M | 0.8% | +41% |
| Peoples Bank | $27M | 0.7% | -12% |
| First Financial Bank | $14M | 0.3% | -55% |
| Woodforest National Bank | $4M | 0.1% | -10% |
| The Farmers National Bank of Danville | $0M | 0.0% | no 2021 presence |
The 22 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 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 | $4.0B | 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.
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