Bowling Green-Glasgow-Franklin, KY, a Combined Statistical Area, holds $6.7 billion in deposits across 24 insured institutions and 94 branches, ranking #171 of 293 U.S. markets by economic output. South Central Bank, Inc. is the largest deposit holder at 11.9% share. The top three institutions hold 33.3% of deposits, which places the market in the fragmented band. Deposits have grown 29.7% since 2020 while the branch count fell by 6.0%.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 100 in 2020 to 94 in 2025. Institutions: 23 to 24. Top-three share: 36.1% to 33.3%. Deposits per branch: $71M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| South Central Bank, Inc. | $0.8B | 11.9% | +37% |
| American Bank & Trust Company, Inc. | $0.8B | 11.6% | +73% |
| U.S. Bank | $0.7B | 9.8% | -3% |
| Franklin Bank & Trust Company | $0.6B | 9.5% | +28% |
| Edmonton State Bank | $0.6B | 8.8% | +37% |
| Truist Bank | $0.6B | 8.3% | -8% |
| German American Bank | $0.4B | 6.4% | +1% |
| Independence Bank of Kentucky | $0.4B | 5.9% | +62% |
| Morgantown Bank & Trust Company, Incorporated | $0.4B | 5.2% | +86% |
| FirstBank | $0.3B | 4.0% | +17% |
| Bank of Edmonson County | $249M | 3.7% | +30% |
| PNC Bank | $206M | 3.1% | +14% |
| Pinnacle Bank | $173M | 2.6% | no 2020 presence |
| Peoples Bank | $131M | 2.0% | no 2020 presence |
| Farmers Bank and Trust Company | $100M | 1.5% | +546% |
| JPMorgan Chase Bank | $98M | 1.5% | +41% |
| The Peoples Bank | $79M | 1.2% | +128% |
| Regions Bank | $59M | 0.9% | +20% |
| The Monticello Banking Company | $58M | 0.9% | -25% |
| The Cecilian Bank | $35M | 0.5% | +83% |
| First Southern National Bank | $29M | 0.4% | +42% |
| First Financial Bank | $22M | 0.3% | no 2020 presence |
| Woodforest National Bank | $4M | 0.1% | +31% |
| The Farmers National Bank of Danville | $0M | 0.0% | no 2020 presence |
The 24 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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. “No 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Warren County | Kentucky | $8.9B | 149,375 | 71.0% | 58.6% |
| Barren County | Kentucky | $1.5B | 45,641 | 11.6% | 16.4% |
| Simpson County | Kentucky | $988M | 20,788 | 7.9% | 9.1% |
| Allen County | Kentucky | $482M | 22,536 | 3.8% | 5.1% |
| Butler County | Kentucky | $324M | 12,520 | 2.6% | 4.5% |
| Metcalfe County | Kentucky | $205M | 10,583 | 1.6% | 3.3% |
| Edmonson County | Kentucky | $189M | 12,749 | 1.5% | 3.1% |
Recruiting in the Bowling Green-Glasgow-Franklin market
No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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 this one.
See how we help banks recruit commercial banking talent