Middlesborough-Corbin, KY, a Combined Statistical Area, holds $2.9 billion in deposits across 13 insured institutions and 59 branches, and ranks #264 of 293 U.S. markets by economic output. Community Trust Bank, Inc. is the largest deposit holder at 17.0% share. The top three banks hold 48% of deposits, which places the market in the Moderate band.
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: 63 in 2021 to 59 in 2026. Institutions: 14 to 13. Top-three share: 41% to 48%. Average deposits per branch: $49M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Community Trust Bank, Inc. | $497M | 17.0% | +43% |
| Cumberland Valley National Bank & Trust Company | $457M | 15.7% | +20% |
| Commercial Bank | $446M | 15.3% | -2% |
| PNC Bank | $371M | 12.7% | +12% |
| Forcht Bank | $339M | 11.6% | +8% |
| Hometown Bank of Corbin, Inc. | $268M | 9.2% | +26% |
| The First National Bank of Manchester | $200M | 6.8% | +30% |
| Hearthside Bank Corporation | $128M | 4.4% | +23% |
| Whitaker Bank | $102M | 3.5% | -47% |
| Truist Bank | $61M | 2.1% | +12% |
| 1st Trust Bank, Inc. | $40M | 1.4% | -1% |
| The Monticello Banking Company | $6M | 0.2% | no 2021 presence |
| Woodforest National Bank | $3M | 0.1% | -10% |
The 13 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
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Laurel County | Kentucky | $2.3B | 63,746 | 43.7% | 44.4% |
| Whitley County | Kentucky | $1.2B | 37,297 | 22.9% | 19.5% |
| Bell County | Kentucky | $775M | 22,829 | 14.5% | 10.9% |
| Knox County | Kentucky | $659M | 29,532 | 12.4% | 16.3% |
| Clay County | Kentucky | $351M | 19,465 | 6.6% | 8.9% |
Recruiting in the Middlesborough-Corbin 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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