Paducah-Mayfield, KY-IL

Paducah-Mayfield, KY-IL holds $4.1 billion in deposits across 15 insured institutions and 52 branches, ranking #221 of 293 U.S. markets by economic output. The Paducah Bank and Trust Company is the largest deposit holder at 19.1% share. The top three institutions hold 39.2% of deposits, which places the market in the fragmented band. Deposits have grown 21% since 2020 while the branch count fell by 4.

Deposit trend

Branches: 56 in 2020 to 52 in 2025. Institutions: 15 to 15. Top-three share: 39.9% to 39.2%. Deposits per branch: $79M.

Leading institutions by deposits

Institution	Deposits	Share	Branches	5‑yr
The Paducah Bank and Trust Company	0.8B	19.1%	5	+27%
FNB Bank, Inc.	0.4B	10.6%	5	+38%
Community Financial Services Bank	0.4B	9.4%	3	+11%
Regions Bank	0.4B	9.2%	6	+5%
The City National Bank of Metropolis	0.4B	8.5%	2	+5%
Independence Bank of Kentucky	0.3B	8.1%	4	+43%
U.S. Bank	0.3B	7.9%	5	-14%
Banterra Bank	0.3B	7.0%	3	+40%
Citizens Deposit Bank of Arlington, Inc.	0.3B	6.5%	5	+42%
First Kentucky Bank, Inc.	0.3B	6.4%	6	+31%

The 10 largest of 15 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	Share of deposits
McCracken County	Kentucky	$5,333M	67,553	67.5%	53.9%
Graves County	Kentucky	$1,358M	37,050	17.2%	22.5%
Massac County	Illinois	$374M	13,502	4.7%	10.9%
Livingston County	Kentucky	$368M	8,863	4.7%	1.8%
Ballard County	Kentucky	$274M	7,594	3.5%	4.7%
Carlisle County	Kentucky	$198M	4,747	2.5%	6.2%