Wood County, Ohio, a core county of the Toledo, OH market, holds $3.1B in deposits across 16 insured institutions and 41 branches. The Huntington National Bank is the largest deposit holder at 35.8% share. The top three banks hold 62% of deposits, which places the county in the Concentrated band. Deposits have grown 9.5% since 2021 while the branch count fell by 4.7%. It produced $8.3B of real gross domestic product in 2024, ranking #410 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: 43 in 2021 to 41 in 2026. Institutions: 15 to 16. Top-three share: 64% to 62%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| The Huntington National Bank | $1.1B | 35.8% | +22% |
| Fifth Third Bank | $536M | 17.2% | +1% |
| KeyBank | $268M | 8.6% | -29% |
| WesBanco Bank, Inc. | $220M | 7.1% | -24% |
| PNC Bank | $180M | 5.8% | -8% |
| The Farmers & Merchants State Bank | $140M | 4.5% | +15% |
| The Union Bank Company | $119M | 3.8% | +17% |
| The State Bank and Trust Company | $119M | 3.8% | -8% |
| Citizens Bank | $102M | 3.3% | +97% |
| Buckeye State Bank | $71M | 2.3% | no 2021 presence |
| Waterford Bank | $59M | 1.9% | +39% |
| The Genoa Banking Company | $55M | 1.8% | +63% |
| JPMorgan Chase Bank | $49M | 1.6% | +242% |
| The Old Fort Banking Company | $44M | 1.4% | +57% |
| Civista Bank | $31M | 1.0% | +213% |
| Woodforest National Bank | $5M | 0.2% | +11% |
The 16 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 Toledo market
Wood County is one of 3 counties that make up the Toledo, OH market, a Metropolitan Statistical Area (ranked #84 of 293 U.S. markets by economic output). It produces 22.9% of the market’s output and holds 19.3% of its deposits.
| Measure | Wood County | Share of parent market |
|---|---|---|
| 2024 GDP | $8.3B | 22.9% |
| Deposits | $3.1B | 19.3% |
| Population | 134,176 | 22.4% |
View the full Toledo market profile →
Recruiting in Wood 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 Wood County.
See how we help banks recruit commercial banking talent