Dayton-Springfield-Kettering, OH holds $21.5 billion in deposits across 39 insured institutions and 237 branches, ranking #64 of 293 U.S. markets by economic output. Fifth Third Bank is the largest deposit holder at 22.5% share. The top three institutions hold 47.5% of deposits, which places the market in the moderate band. Deposits have grown 7% since 2020 while the branch count fell by 50.
Deposit trend
Branches: 287 in 2020 to 237 in 2025. Institutions: 39 to 39. Top-three share: 49.7% to 47.5%. Deposits per branch: $91M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Fifth Third Bank | 4.8B | 22.5% | -2% |
| JPMorgan Chase Bank | 3.0B | 13.9% | +5% |
| PNC Bank | 2.4B | 11.1% | +10% |
| U.S. Bank | 1.6B | 7.4% | -1% |
| The Park National Bank | 1.6B | 7.3% | +10% |
| The Huntington National Bank | 1.4B | 6.5% | +16% |
| KeyBank | 1.3B | 6.0% | -7% |
| First Financial Bank | 0.7B | 3.2% | +10% |
| Union Savings Bank | 0.5B | 2.4% | +8% |
| Greenville National Bank | 0.5B | 2.3% | +17% |
The 10 largest of 39 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Montgomery County | Ohio | $31,884M | 539,598 | 52.9% |
| Greene County | Ohio | $11,888M | 174,322 | 19.7% |
| Clark County | Ohio | $4,739M | 135,340 | 7.9% |
| Miami County | Ohio | $4,661M | 112,634 | 7.7% |
| Shelby County | Ohio | $3,227M | 48,065 | 5.4% |
| Darke County | Ohio | $2,541M | 51,520 | 4.2% |
| Champaign County | Ohio | $1,278M | 38,820 | 2.1% |
Recruiting in Dayton
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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, on a retained basis.
Start a confidential conversation