Youngstown-Warren-Salem, OH 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% since 2020 while the branch count fell by 33.
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.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Huntington National Bank | 4.0B | 32.4% | +40% |
| The Farmers National Bank of Canfield | 2.7B | 21.8% | +68% |
| WesBanco Bank, Inc. | 1.5B | 12.4% | new since 2020 |
| 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 10 largest of 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; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Mahoning County | Ohio | $9,742M | 224,706 | 46.2% |
| Trumbull County | Ohio | $7,581M | 198,972 | 35.9% |
| Columbiana County | Ohio | $3,767M | 99,377 | 17.9% |
Recruiting in Youngstown
Deposits are held closely by the largest institutions, which often means the bankers worth recruiting are inside a small number of houses. 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, on a retained basis.
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