Cincinnati-Wilmington, OH-KY-IN, a Combined Statistical Area, holds $192.6 billion in deposits across 58 insured institutions and 619 branches, ranking #34 of 293 U.S. markets by economic output. U.S. Bank is the largest deposit holder at 54.2% share. The top three institutions hold 82.6% of deposits, which places the market in the concentrated band. Deposits have grown 17.7% since 2020 while the branch count fell by 11.3%.
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: 698 in 2020 to 619 in 2025. Institutions: 61 to 58. Top-three share: 82.9% to 82.6%. Deposits per branch: $311M.
Institutions by deposits
The 58 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 | |
|---|---|---|---|---|---|
| Hamilton County | Ohio | $84.7B | 838,418 | 51.6% | 82.7% |
| Butler County | Ohio | $23.1B | 400,128 | 14.1% | 4.2% |
| Warren County | Ohio | $15.0B | 257,181 | 9.1% | 2.8% |
| Boone County | Kentucky | $12.4B | 145,316 | 7.5% | 1.9% |
| Kenton County | Kentucky | $9.7B | 175,779 | 5.9% | 2.2% |
| Clermont County | Ohio | $8.1B | 216,977 | 4.9% | 2.4% |
| Campbell County | Kentucky | $3.9B | 95,441 | 2.4% | 1.3% |
| Clinton County | Ohio | $2.5B | 42,301 | 1.5% | 0.5% |
| Dearborn County | Indiana | $1.9B | 51,609 | 1.1% | 0.7% |
| Brown County | Ohio | $904M | 44,397 | 0.6% | 0.4% |
| Grant County | Kentucky | $620M | 26,181 | 0.4% | 0.2% |
| Franklin County | Indiana | $568M | 23,286 | 0.3% | 0.5% |
| Gallatin County | Kentucky | $404M | 8,840 | 0.2% | 0.0% |
| Pendleton County | Kentucky | $302M | 14,800 | 0.2% | 0.1% |
| Bracken County | Kentucky | $163M | 8,511 | 0.1% | 0.1% |
| Ohio County | Indiana | $95M | 5,994 | 0.1% | 0.1% |
Recruiting in the Cincinnati-Wilmington market
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 this one.
See how we help banks recruit commercial banking talent