County banking markets / KY / 21111
JeffersonKentucky
FIPS 21111. 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 (910) and unconcentrated on deposits (1,451).
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
241 branch offices and 12 institutions in 1994; 197 and 30 in 2025. Deposits booked in the county went from $10.13B to $31.70B, 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 | PNC Bank, National Association cert 6384 | $7.77B | 24.51% | 30 | 15.23% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $6.29B | 19.84% | 19 | 9.64% |
| 3 | Stock Yards Bank & Trust Company cert 258 | $3.95B | 12.48% | 28 | 14.21% |
| 4 | Republic Bank & Trust Company cert 23627 | $3.52B | 11.12% | 17 | 8.63% |
| 5 | Fifth Third Bank, National Association cert 6672 | $2.83B | 8.92% | 24 | 12.18% |
| 6 | Truist Bank cert 9846 | $2.43B | 7.68% | 16 | 8.12% |
| 7 | U.S. Bank National Association cert 6548 | $1.76B | 5.55% | 15 | 7.61% |
| 8 | River City Bank, Inc. cert 26703 | $430.1M | 1.36% | 6 | 3.05% |
| 9 | Old National Bank cert 3832 | $382.8M | 1.21% | 3 | 1.52% |
| 10 | Eclipse Bank, Inc. cert 58049 | $308.6M | 0.97% | 3 | 1.52% |
| 11 | Pinnacle Bank cert 35583 | $262.7M | 0.83% | 1 | 0.51% |
| 12 | First Financial Bank cert 6600 | $260.9M | 0.82% | 4 | 2.03% |
| 13 | Independence Bank of Kentucky cert 8136 | $239.6M | 0.76% | 1 | 0.51% |
| 14 | Central Bank & Trust Co. cert 15815 | $196.5M | 0.62% | 4 | 2.03% |
| 15 | Forcht Bank, National Association cert 57415 | $159.8M | 0.50% | 2 | 1.02% |
| 16 | Bank of America, National Association cert 3510 | $159.6M | 0.50% | 3 | 1.52% |
| 17 | German American Bank cert 17393 | $156.7M | 0.49% | 3 | 1.52% |
| 18 | WesBanco Bank, Inc. cert 803 | $101.0M | 0.32% | 3 | 1.52% |
| 19 | Peoples Bank cert 6544 | $100.2M | 0.32% | 2 | 1.02% |
| 20 | South Central Bank, Inc. cert 5854 | $90.0M | 0.28% | 1 | 0.51% |
| 21 | Guardian Savings Bank cert 27998 | $62.7M | 0.20% | 1 | 0.51% |
| 22 | Wilson & Muir Bank & Trust Company cert 17040 | $55.1M | 0.17% | 1 | 0.51% |
| 23 | Peoples Bank cert 1562 | $52.8M | 0.17% | 1 | 0.51% |
| 24 | The Paducah Bank and Trust Company cert 16664 | $40.0M | 0.13% | 1 | 0.51% |
| 25 | The Park National Bank cert 6653 | $30.1M | 0.09% | 1 | 0.51% |
| 26 | Cumberland Valley National Bank & Trust Company cert 2691 | $19.4M | 0.06% | 1 | 0.51% |
| 27 | Liberty Bank and Trust Company cert 20856 | $9.2M | 0.03% | 1 | 0.51% |
| 28 | Woodforest National Bank cert 23220 | $8.7M | 0.03% | 3 | 1.52% |
| 29 | Traditional Bank, Inc. cert 2711 | $7.2M | 0.02% | 1 | 0.51% |
| 30 | The Monticello Banking Company cert 292 | $5.2M | 0.02% | 1 | 0.51% |
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.