Market Intelligence

Cincinnati-Wilmington, OH-KY-IN

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Cincinnati-Wilmington, OH-KY-IN

Cincinnati-Wilmington, OH-KY-IN, a Combined Statistical Area, holds $188.5 billion in deposits across 57 insured institutions and 614 branches, and ranks #34 of 293 U.S. markets by economic output. U.S. Bank is the largest deposit holder at 50.9% share. The top three banks hold 81% of deposits, which places the market in the Concentrated band. Deposits have grown 18.3% since 2021 while the branch count fell by 8.4%.

Economic scale
2024 Real GDP
$164.3B
#34 of 293
Population
2.36M
#36 of 293
GDP per Capita
$69,742
#38 of 293
Deposit market
Deposits (SOD, 6/30/26)
$188.5B
#19 of 293
Deposits per Capita
$80,023
#10 of 293
Deposits per Branch
$307M
#17 of 293
Competitive structure
Insured Institutions
57
#28 of 293
Branches per 100k Pop.
26.1
#119 of 293
Median Deposits per Institution
$212M
The median deposits booked by a single institution in the market. #149 of 293. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
12.0%
of market deposits held by banks with $100M to $100B in assets. #290 of 293. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
81%
The combined deposit share of the top three banks by deposits in the market. A lower share means deposits are spread across more institutions.

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

Market Deposits (SOD, 2021 to 2026) +18.3% over 5 years
$159.3B
2021
$171.4B
2022
$193.9B
2023
$180.7B
2024
$192.4B
2025
$188.5B
2026

Branches: 670 in 2021 to 614 in 2026. Institutions: 62 to 57. Top-three share: 81% to 81%. Average deposits per branch: $307M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
U.S. Bank$96.0B50.9%64+31%
Fifth Third Bank$48.1B25.5%94+6%
PNC Bank$9.3B5.0%47+1%
First Financial Bank$7.1B3.7%47+45%
The Huntington National Bank$5.0B2.6%36+3%
JPMorgan Chase Bank$3.7B2.0%37+7%
Heritage Bank, Inc.$1.8B1.0%19+46%
Union Savings Bank$1.6B0.9%14+16%
KeyBank$1.4B0.7%17-15%
Truist Bank$1.3B0.7%13-35%
LCNB National Bank$1.3B0.7%240%
Guardian Savings Bank$1.0B0.5%10+20%
The North Side Bank and Trust Company$989M0.5%9+34%
Peoples Bank$925M0.5%230%
Stock Yards Bank & Trust Company$895M0.5%9+85%
Bank of America$858M0.5%18-20%
WesBanco Bank, Inc.$648M0.3%9+37%
FCN Bank$567M0.3%4+13%
Civista Bank$559M0.3%5+5%
First Commonwealth Bank$510M0.3%7+33%
Forcht Bank$426M0.2%5+12%
Republic Bank & Trust Company$425M0.2%8-19%
The Park National Bank$408M0.2%4+23%
Central Bank & Trust Co.$375M0.2%4+3%
RiverHills Bank$294M0.2%5+39%
First State Bank$242M0.1%5+41%
The Friendship State Bank$241M0.1%5+38%
Bath State Bank$221M0.1%2+61%
1st National Bank$212M0.1%7-1%
German American Bank$206M0.1%5+17%
The Wilmington Savings Bank$203M0.1%1+46%
The Harrison Building and Loan Association$201M0.1%3-8%
CFBank$166M0.1%2+63%
The Cincinnatus Savings & Loan Co.$163M0.1%3+84%
The Merchants National Bank$162M0.1%5+7%
Valley Central Bank$146M0.1%3+24%
Miami Savings Bank$115M0.1%4-16%
Somerville Bank$93M<0.1%4-3%
Peoples First Savings Bank$86M<0.1%2+46%
Warsaw Federal Savings and Loan Association$72M<0.1%1+48%
The First National Bank of Blanchester$69M<0.1%1+4%
Spring Valley Bank$67M<0.1%1+12%
Community Savings Bank$65M<0.1%1+52%
The First National Bank of Brooksville$65M<0.1%20%
Southern Hills Community Bank$56M<0.1%2+10%
First National Bank of Kentucky$55M<0.1%3+1,666%
Liberty Savings Bank, F.S.B.$52M<0.1%1-71%
Citizens Federal Savings and Loan Association$28M<0.1%1+1%
Farmers & Merchants Bank$25M<0.1%1no 2021 presence
Woodforest National Bank$24M<0.1%10-9%
Home Savings Bank, FSB$20M<0.1%1-4%
The Farmers & Merchants State Bank$19M<0.1%1no 2021 presence
Community Trust Bank, Inc.$13M<0.1%1no 2021 presence
Peoples Exchange Bank$9M<0.1%1no 2021 presence
The Farmers State Bank$4M<0.1%1-36%
The First National Bank of Williamson$0M0.0%1no 2021 presence
Community Bank$0M0.0%1no 2021 presence

The 57 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Hamilton CountyOhio$84.7B838,41851.6%81.7%
Butler CountyOhio$23.1B400,12814.1%4.4%
Warren CountyOhio$15.0B257,1819.1%3.0%
Boone CountyKentucky$12.4B145,3167.5%2.2%
Kenton CountyKentucky$9.7B175,7795.9%2.2%
Clermont CountyOhio$8.1B216,9774.9%2.5%
Campbell CountyKentucky$3.9B95,4412.4%1.4%
Clinton CountyOhio$2.5B42,3011.5%0.5%
Dearborn CountyIndiana$1.9B51,6091.1%0.7%
Brown CountyOhio$904M44,3970.6%0.4%
Grant CountyKentucky$620M26,1810.4%0.2%
Franklin CountyIndiana$568M23,2860.3%0.5%
Gallatin CountyKentucky$404M8,8400.2%0.0%
Pendleton CountyKentucky$302M14,8000.2%0.1%
Bracken CountyKentucky$163M8,5110.1%0.0%
Ohio CountyIndiana$95M5,9940.1%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.

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Other markets in Indiana, Kentucky, and Ohio

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.