Market Intelligence

Dayton-Springfield-Kettering, OH

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Dayton-Springfield-Kettering, OH

Dayton-Springfield-Kettering, OH, a Combined Statistical Area, 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 7.0% since 2020 while the branch count fell by 17.4%.

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
Total Deposits
$21.5B
#75 of 293
Deposits per Capita
$19,540
#240 of 293
Deposits per Branch
$91M
#202 of 293
Competitive structure
Insured Institutions
39
#62 of 293
Branches per 100k Pop.
21.5
#179 of 293
Median Deposits per Institution
$183M
The median deposits booked by a single institution in the market. #175 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
31.2%
of market deposits held by banks with $100M to $50B in assets. #235 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 Deposit Share: moderate
47.5%
The combined deposit share of the three largest institutions 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

Total market deposits (nominal), 2020 to 2025 +7.0% over 5 years
$20.1B
2020
$22.5B
2021
$22.7B
2022
$21.0B
2023
$20.9B
2024
$21.5B
2025

Branches: 287 in 2020 to 237 in 2025. Institutions: 39 to 39. Top-three share: 49.7% to 47.5%. Deposits per branch: $91M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
Fifth Third Bank$4.8B22.5%28-3%
JPMorgan Chase Bank$3.0B13.9%23+5%
PNC Bank$2.4B11.1%20+10%
U.S. Bank$1.6B7.4%17-1%
The Park National Bank$1.6B7.3%19+10%
The Huntington National Bank$1.4B6.5%15+16%
KeyBank$1.3B6.0%13-7%
First Financial Bank$0.7B3.2%8+10%
Union Savings Bank$0.5B2.4%7+8%
Greenville National Bank$0.5B2.3%9+17%
Osgood Bank$311M1.4%3+72%
WesBanco Bank, Inc.$294M1.4%6+52%
The Farmers & Merchants State Bank$291M1.4%4no 2020 presence
Farmers & Merchants Bank$267M1.2%4+45%
First Bank Richmond$264M1.2%5+53%
Civista Bank$234M1.1%4+7%
Greenville Federal$233M1.1%4+25%
New Carlisle Federal Savings Bank$218M1.0%3+101%
Minster Bank$203M0.9%3+41%
LCNB National Bank$183M0.9%3+16%
The Old Fort Banking Company$164M0.8%2+84%
The Peoples Savings Bank$152M0.7%2+46%
The Farmers State Bank$141M0.7%3+27%
Monroe Federal Savings and Loan Association$127M0.6%4+24%
First National Bank in New Bremen$94M0.4%2+38%
The Richwood Banking Company$85M0.4%2-35%
The First National Bank of Germantown$80M0.4%1+29%
The First Central National Bank of St. Paris$75M0.4%4-5%
The Covington Savings and Loan Association$67M0.3%3+11%
The Citizens National Bank of Bluffton$63M0.3%1+183%
Versailles Savings and Loan Company$47M0.2%1+7%
The Brookville Building and Savings Association$29M0.1%1-2%
Mercer Savings Bank$26M0.1%1+16%
Woodforest National Bank$20M0.1%6+28%
The Merchants National Bank$17M0.1%1+4%
The Peoples Savings and Loan Company$14M0.1%1+325%
The Twin Valley Bank$13M0.1%2+329%
Somerville Bank$8M0.0%1+523%
1st National Bank$1M0.0%1no 2020 presence

The 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. 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

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Montgomery CountyOhio$31.9B539,59852.9%49.8%
Greene CountyOhio$11.9B174,32219.7%12.5%
Clark CountyOhio$4.7B135,3407.9%10.2%
Miami CountyOhio$4.7B112,6347.7%10.2%
Shelby CountyOhio$3.2B48,0655.4%6.6%
Darke CountyOhio$2.5B51,5204.2%7.7%
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.

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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.