County banking markets / KY / 21199
PulaskiKentucky
FIPS 21199. 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 (1,378) and moderately concentrated on deposits (1,546).
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
21 branch offices and 6 institutions in 1994; 28 and 12 in 2025. Deposits booked in the county went from $531.7M to $1.84B, 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 | The Citizens National Bank of Somerset cert 2725 | $499.0M | 27.09% | 7 | 25.00% |
| 2 | Cumberland Security Bank, Inc. cert 11358 | $358.0M | 19.43% | 4 | 14.29% |
| 3 | First & Farmers National Bank, Inc. cert 2738 | $229.6M | 12.46% | 5 | 17.86% |
| 4 | The Monticello Banking Company cert 292 | $190.3M | 10.33% | 2 | 7.14% |
| 5 | Forcht Bank, National Association cert 57415 | $143.0M | 7.76% | 2 | 7.14% |
| 6 | Truist Bank cert 9846 | $140.3M | 7.62% | 1 | 3.57% |
| 7 | Community Trust Bank, Inc. cert 2720 | $84.8M | 4.60% | 2 | 7.14% |
| 8 | First Southern National Bank cert 2700 | $79.0M | 4.29% | 1 | 3.57% |
| 9 | Cumberland Valley National Bank & Trust Company cert 2691 | $61.5M | 3.34% | 1 | 3.57% |
| 10 | United Cumberland Bank cert 303 | $29.0M | 1.57% | 1 | 3.57% |
| 11 | Citizens Bank cert 262 | $18.1M | 0.98% | 1 | 3.57% |
| 12 | South Central Bank, Inc. cert 5854 | $9.7M | 0.53% | 1 | 3.57% |
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.