Market Intelligence

Dayton-Springfield-Kettering, OH

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Dayton-Springfield-Kettering, OH

Dayton-Springfield-Kettering, OH, a Combined Statistical Area, holds $22.3 billion in deposits across 39 insured institutions and 234 branches, and ranks #64 of 293 U.S. markets by economic output. Fifth Third Bank is the largest deposit holder at 21.2% share. The top three banks hold 46% of deposits, which places the market in the Moderate band.

Economic scale
2024 Real GDP
$60.2B
#64 of 293
Population
1.10M
#62 of 293
GDP per Capita
$54,729
#130 of 293
Deposit market
Deposits (SOD, 6/30/26)
$22.3B
#75 of 293
Deposits per Capita
$20,302
#232 of 293
Deposits per Branch
$95M
#197 of 293
Competitive structure
Insured Institutions
39
#63 of 293
Branches per 100k Pop.
21.3
#180 of 293
Median Deposits per Institution
$188M
The median deposits booked by a single institution in the market. #174 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
31.0%
of market deposits held by banks with $100M to $100B in assets. #257 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: Moderate
46%
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) -0.5% over 5 years
$22.5B
2021
$22.7B
2022
$20.9B
2023
$20.9B
2024
$21.5B
2025
$22.3B
2026

Branches: 264 in 2021 to 234 in 2026. Institutions: 40 to 39. Top-three share: 51% to 46%. Average deposits per branch: $95M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
Fifth Third Bank$4.7B21.2%28-18%
JPMorgan Chase Bank$3.0B13.6%21-6%
PNC Bank$2.5B11.2%19+4%
U.S. Bank$1.9B8.7%17+8%
The Park National Bank$1.5B6.7%19-3%
The Huntington National Bank$1.5B6.5%15+11%
KeyBank$1.4B6.4%13-2%
First Financial Bank$722M3.2%8+3%
Union Savings Bank$535M2.4%7+12%
Greenville National Bank$524M2.3%9+10%
Osgood Bank$345M1.5%3+56%
WesBanco Bank, Inc.$334M1.5%6+49%
The Farmers & Merchants State Bank$291M1.3%4-31%
Farmers & Merchants Bank$282M1.3%4+31%
New Carlisle Federal Savings Bank$260M1.2%3+115%
Civista Bank$256M1.1%4+2%
First Bank Richmond$245M1.1%5+22%
Greenville Federal$241M1.1%4+22%
Minster Bank$220M1.0%3+16%
LCNB National Bank$188M0.8%3+17%
The Peoples Savings Bank$173M0.8%2+47%
The Old Fort Banking Company$158M0.7%2+43%
The Farmers State Bank$147M0.7%3+17%
Monroe Federal Savings and Loan Association$124M0.6%4+3%
First National Bank in New Bremen$112M0.5%2+31%
The Richwood Banking Company$89M0.4%2-37%
The First National Bank of Germantown$85M0.4%1+24%
The First Central National Bank of St. Paris$77M0.3%4-15%
The Citizens National Bank of Bluffton$76M0.3%1+158%
The Covington Savings and Loan Association$68M0.3%3-6%
Versailles Savings and Loan Company$51M0.2%1+9%
The Brookville Building and Savings Association$26M0.1%1-13%
Mercer Savings Bank$25M0.1%1-6%
Woodforest National Bank$21M0.1%6+8%
The Merchants National Bank$16M0.1%1-2%
The Peoples Savings and Loan Company$15M0.1%1+285%
The Twin Valley Bank$15M0.1%2+101%
Somerville Bank$10M<0.1%1+219%
1st National Bank$2M<0.1%1+300%

The 39 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
Montgomery CountyOhio$31.9B539,59852.9%50.1%
Greene CountyOhio$11.9B174,32219.7%12.3%
Clark CountyOhio$4.7B135,3407.9%9.9%
Miami CountyOhio$4.7B112,6347.7%10.4%
Shelby CountyOhio$3.2B48,0655.4%6.5%
Darke CountyOhio$2.5B51,5204.2%7.6%
Champaign CountyOhio$1.3B38,8202.1%3.1%

Recruiting in the Dayton-Springfield-Kettering market

Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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

Other markets in 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.