County banking markets / KY / 21117
KentonKentucky
FIPS 21117. 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 (940) and unconcentrated on deposits (1,318).
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
57 branch offices and 15 institutions in 1994; 44 and 16 in 2025. Deposits booked in the county went from $1.47B to $4.27B, 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 | Fifth Third Bank, National Association cert 6672 | $886.7M | 20.78% | 6 | 13.64% |
| 2 | Heritage Bank, Inc. cert 33119 | $736.3M | 17.25% | 5 | 11.36% |
| 3 | U.S. Bank National Association cert 6548 | $670.4M | 15.71% | 7 | 15.91% |
| 4 | Truist Bank cert 9846 | $505.7M | 11.85% | 4 | 9.09% |
| 5 | The Huntington National Bank cert 6560 | $480.8M | 11.27% | 5 | 11.36% |
| 6 | PNC Bank, National Association cert 6384 | $260.7M | 6.11% | 3 | 6.82% |
| 7 | First Financial Bank cert 6600 | $130.0M | 3.05% | 2 | 4.55% |
| 8 | Republic Bank & Trust Company cert 23627 | $125.1M | 2.93% | 2 | 4.55% |
| 9 | Guardian Savings Bank cert 27998 | $101.5M | 2.38% | 1 | 2.27% |
| 10 | Central Bank & Trust Co. cert 15815 | $93.7M | 2.20% | 2 | 4.55% |
| 11 | JPMorgan Chase Bank, National Association cert 628 | $81.7M | 1.91% | 2 | 4.55% |
| 12 | German American Bank cert 17393 | $79.1M | 1.85% | 1 | 2.27% |
| 13 | Stock Yards Bank & Trust Company cert 258 | $47.5M | 1.11% | 1 | 2.27% |
| 14 | Citizens Federal Savings and Loan Association cert 27841 | $27.6M | 0.65% | 1 | 2.27% |
| 15 | FIRST NATIONAL BANK OF KENTUCKY cert 2735 | $21.9M | 0.51% | 1 | 2.27% |
| 16 | Home Savings Bank, FSB cert 31723 | $19.0M | 0.44% | 1 | 2.27% |
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.