Warren County, Ohio, a core county of the Cincinnati-Wilmington, OH-KY-IN market, holds $5.3B in deposits across 20 insured institutions and 67 branches. Fifth Third Bank, National Association is the largest deposit holder at 23.8% share. The top three institutions hold 48.7% of deposits, which places the county in the moderately concentrated band. Deposits have grown 33.8% since 2020 while the branch count fell by 7. It produces $15.0B of output, ranking #271 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 74 in 2020 to 67 in 2025. Institutions: 19 to 20. Top-three share: 50.4% to 48.7%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Fifth Third Bank, National Association | $1.3B | 23.8% | +22% |
| LCNB National Bank | $762M | 14.3% | +32% |
| U.S. Bank National Association | $560M | 10.5% | +44% |
| The Huntington National Bank | $520M | 9.8% | +44% |
| PNC Bank, National Association | $492M | 9.2% | +29% |
| JPMorgan Chase Bank, National Association | $432M | 8.1% | +93% |
| First Financial Bank | $366M | 6.9% | +27% |
| Peoples Bank | $214M | 4.0% | +11% |
| 1st National Bank | $197M | 3.7% | +21% |
| KeyBank National Association | $121M | 2.3% | +6% |
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 Cincinnati-Wilmington market
Warren County is one of 16 counties that make up the Cincinnati-Wilmington, OH-KY-IN market, a Combined Statistical Area (ranked #34 of 293 U.S. markets by economic output). It produces 9.1% of the market’s output and holds 2.8% of its deposits.
| Measure | Warren County | Share of Cincinnati-Wilmington market |
|---|---|---|
| 2024 GDP | $15.0B | 9.1% |
| Deposits | $5.3B | 2.8% |
| Population | 257,181 | 10.9% |
View the full Cincinnati-Wilmington market profile →
Recruiting in Warren 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 Warren County, on a retained basis.
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