Youngstown-Warren-Salem, OH, a Combined Statistical Area, holds $12.4 billion in deposits across 13 insured institutions and 116 branches, ranking #128 of 293 U.S. markets by economic output. The Huntington National Bank is the largest deposit holder at 32.4% share. The top three institutions hold 66.5% of deposits, which places the market in the concentrated band. Deposits have grown 8.4% since 2020 while the branch count fell by 22.1%.
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: 149 in 2020 to 116 in 2025. Institutions: 16 to 13. Top-three share: 55.4% to 66.5%. Deposits per branch: $107M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Huntington National Bank | $4.0B | 32.4% | +9% |
| The Farmers National Bank of Canfield | $2.7B | 21.8% | +68% |
| WesBanco Bank, Inc. | $1.5B | 12.4% | no 2020 presence |
| JPMorgan Chase Bank | $1.4B | 11.0% | +9% |
| PNC Bank | $1.2B | 9.3% | +5% |
| First National Bank of Pennsylvania | $0.7B | 5.9% | +29% |
| Consumers National Bank | $0.3B | 2.2% | +109% |
| Citizens Bank | $0.2B | 1.8% | +10% |
| KeyBank | $0.2B | 1.6% | -8% |
| Home Federal Savings and Loan Association of Niles | $0.1B | 0.7% | +46% |
| The Middlefield Banking Company | $62M | 0.5% | -3% |
| Main Street Bank Corp. | $39M | 0.3% | no 2020 presence |
| Woodforest National Bank | $19M | 0.2% | +38% |
The 13 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 | |
|---|---|---|---|---|---|
| Mahoning County | Ohio | $9.7B | 224,706 | 46.2% | 51.5% |
| Trumbull County | Ohio | $7.6B | 198,972 | 35.9% | 30.6% |
| Columbiana County | Ohio | $3.8B | 99,377 | 17.9% | 18.0% |
Recruiting in the Youngstown-Warren-Salem market
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. 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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