Paducah-Mayfield, KY-IL, a Combined Statistical Area, 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 20.9% since 2020 while the branch count fell by 7.1%.
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: 56 in 2020 to 52 in 2025. Institutions: 15 to 15. Top-three share: 39.9% to 39.2%. Deposits per branch: $79M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Paducah Bank and Trust Company | $0.8B | 19.1% | +27% |
| FNB Bank, Inc. | $0.4B | 10.6% | +38% |
| Community Financial Services Bank | $0.4B | 9.4% | +11% |
| Regions Bank | $0.4B | 9.2% | +5% |
| The City National Bank of Metropolis | $0.4B | 8.5% | +5% |
| Independence Bank of Kentucky | $0.3B | 8.1% | +43% |
| U.S. Bank | $0.3B | 7.9% | -14% |
| Banterra Bank | $0.3B | 7.0% | +40% |
| Citizens Deposit Bank of Arlington, Inc. | $0.3B | 6.5% | +42% |
| First Kentucky Bank, Inc. | $0.3B | 6.4% | +31% |
| First Community Bank of the Heartland, Inc. | $161M | 3.9% | +52% |
| Farmers Bank and Trust Company | $61M | 1.5% | +39% |
| Truist Bank | $45M | 1.1% | -6% |
| Legence Bank | $24M | 0.6% | +38% |
| Woodforest National Bank | $3M | 0.1% | +48% |
The 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. 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
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| McCracken County | Kentucky | $5.3B | 67,553 | 67.5% | 53.9% |
| Graves County | Kentucky | $1.4B | 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% |
Recruiting in the Paducah-Mayfield market
No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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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