County banking markets / KY / 21227
WarrenKentucky
FIPS 21227. 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 (643) and unconcentrated on deposits (996).
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
24 branch offices and 7 institutions in 1994; 52 and 21 in 2025. Deposits booked in the county went from $780.7M to $3.91B, 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 | American Bank & Trust Company, Inc. cert 35568 | $772.5M | 19.74% | 6 | 11.54% |
| 2 | U.S. Bank National Association cert 6548 | $489.0M | 12.49% | 5 | 9.62% |
| 3 | Truist Bank cert 9846 | $454.2M | 11.60% | 3 | 5.77% |
| 4 | Independence Bank of Kentucky cert 8136 | $394.5M | 10.08% | 2 | 3.85% |
| 5 | South Central Bank, Inc. cert 5854 | $284.3M | 7.26% | 5 | 9.62% |
| 6 | German American Bank cert 17393 | $265.1M | 6.77% | 4 | 7.69% |
| 7 | Franklin Bank & Trust Company cert 17937 | $226.0M | 5.77% | 3 | 5.77% |
| 8 | PNC Bank, National Association cert 6384 | $206.5M | 5.28% | 3 | 5.77% |
| 9 | Pinnacle Bank cert 35583 | $172.9M | 4.42% | 1 | 1.92% |
| 10 | FirstBank cert 8663 | $121.3M | 3.10% | 3 | 5.77% |
| 11 | Farmers Bank and Trust Company cert 12869 | $100.5M | 2.57% | 1 | 1.92% |
| 12 | JPMorgan Chase Bank, National Association cert 628 | $98.3M | 2.51% | 1 | 1.92% |
| 13 | Morgantown Bank & Trust Company, Incorporated cert 275 | $82.1M | 2.10% | 3 | 5.77% |
| 14 | Bank of Edmonson County cert 296 | $79.2M | 2.02% | 2 | 3.85% |
| 15 | The Monticello Banking Company cert 292 | $46.1M | 1.18% | 2 | 3.85% |
| 16 | Edmonton State Bank cert 9678 | $41.3M | 1.05% | 2 | 3.85% |
| 17 | First Southern National Bank cert 2700 | $28.8M | 0.74% | 1 | 1.92% |
| 18 | Peoples Bank cert 6544 | $25.5M | 0.65% | 1 | 1.92% |
| 19 | First Financial Bank, National Association cert 4382 | $22.1M | 0.56% | 1 | 1.92% |
| 20 | Woodforest National Bank cert 23220 | $4.0M | 0.10% | 2 | 3.85% |
| 21 | The Farmers National Bank of Danville cert 2740 | $0K | 0.00% | 1 | 1.92% |
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.