County banking markets / KY / 21067
FayetteKentucky
FIPS 21067. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 120 counties in Kentucky’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (523) and unconcentrated on deposits (958).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
91 branch offices and 16 institutions in 1994; 114 and 33 in 2025. Deposits booked in the county went from $2.64B to $12.28B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association cert 628 | $1.99B | 16.18% | 11 | 9.65% |
| 2 | Central Bank & Trust Co. cert 15815 | $1.83B | 14.90% | 12 | 10.53% |
| 3 | Fifth Third Bank, National Association cert 6672 | $1.82B | 14.81% | 10 | 8.77% |
| 4 | Bank of America, National Association cert 3510 | $1.03B | 8.38% | 4 | 3.51% |
| 5 | Traditional Bank, Inc. cert 2711 | $982.2M | 8.00% | 5 | 4.39% |
| 6 | PNC Bank, National Association cert 6384 | $925.8M | 7.54% | 8 | 7.02% |
| 7 | Community Trust Bank, Inc. cert 2720 | $435.2M | 3.54% | 6 | 5.26% |
| 8 | Republic Bank & Trust Company cert 23627 | $389.5M | 3.17% | 5 | 4.39% |
| 9 | Bank of Lexington, Inc. cert 58164 | $385.7M | 3.14% | 4 | 3.51% |
| 10 | Bank of the Bluegrass and Trust Company cert 21161 | $351.1M | 2.86% | 3 | 2.63% |
| 11 | Truist Bank cert 9846 | $277.1M | 2.26% | 4 | 3.51% |
| 12 | U.S. Bank National Association cert 6548 | $255.6M | 2.08% | 5 | 4.39% |
| 13 | Whitaker Bank cert 32912 | $201.5M | 1.64% | 4 | 3.51% |
| 14 | Stock Yards Bank & Trust Company cert 258 | $155.8M | 1.27% | 3 | 2.63% |
| 15 | Field & Main Bank cert 13838 | $155.6M | 1.27% | 1 | 0.88% |
| 16 | Guardian Savings Bank cert 27998 | $155.1M | 1.26% | 2 | 1.75% |
| 17 | City National Bank of West Virginia cert 17735 | $150.0M | 1.22% | 3 | 2.63% |
| 18 | Forcht Bank, National Association cert 57415 | $133.4M | 1.09% | 3 | 2.63% |
| 19 | WesBanco Bank, Inc. cert 803 | $112.4M | 0.92% | 3 | 2.63% |
| 20 | Independence Bank of Kentucky cert 8136 | $111.8M | 0.91% | 1 | 0.88% |
| 21 | Old National Bank cert 3832 | $88.3M | 0.72% | 1 | 0.88% |
| 22 | South Central Bank, Inc. cert 5854 | $80.1M | 0.65% | 1 | 0.88% |
| 23 | First Southern National Bank cert 2700 | $62.0M | 0.50% | 1 | 0.88% |
| 24 | Peoples Exchange Bank cert 8785 | $51.6M | 0.42% | 1 | 0.88% |
| 25 | Peoples Bank cert 6544 | $51.6M | 0.42% | 2 | 1.75% |
| 26 | Cumberland Valley National Bank & Trust Company cert 2691 | $28.8M | 0.23% | 2 | 1.75% |
| 27 | The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC cert 29571 | $25.2M | 0.21% | 2 | 1.75% |
| 28 | First State Bank of the Southeast, Inc cert 2710 | $18.8M | 0.15% | 1 | 0.88% |
| 29 | The Monticello Banking Company cert 292 | $18.6M | 0.15% | 1 | 0.88% |
| 30 | Peoples Bank of Kentucky, Inc. cert 16970 | $6.5M | 0.05% | 1 | 0.88% |
| 31 | Woodforest National Bank cert 23220 | $5.2M | 0.04% | 2 | 1.75% |
| 32 | The First National Bank of Manchester cert 2708 | $1.1M | 0.01% | 1 | 0.88% |
| 33 | The Farmers National Bank of Danville cert 2740 | $0K | 0.00% | 1 | 0.88% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Kentucky, or read the methodology for the two HHI constructions and what they cannot tell you.