County banking markets / OH / 39017
ButlerOhio
FIPS 39017. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 88 counties in Ohio’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 (1,044) and moderately concentrated on deposits (1,678).
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
93 branch offices and 17 institutions in 1994; 86 and 20 in 2025. Deposits booked in the county went from $2.27B to $8.02B, 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 | $2.22B | 27.73% | 17 | 19.77% |
| 2 | First Financial Bank cert 6600 | $1.88B | 23.42% | 13 | 15.12% |
| 3 | U.S. Bank National Association cert 6548 | $897.5M | 11.19% | 12 | 13.95% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $848.2M | 10.58% | 7 | 8.14% |
| 5 | PNC Bank, National Association cert 6384 | $703.5M | 8.77% | 5 | 5.81% |
| 6 | The Huntington National Bank cert 6560 | $365.8M | 4.56% | 3 | 3.49% |
| 7 | Union Savings Bank cert 32296 | $254.1M | 3.17% | 3 | 3.49% |
| 8 | LCNB National Bank cert 6623 | $194.3M | 2.42% | 5 | 5.81% |
| 9 | KeyBank National Association cert 17534 | $164.2M | 2.05% | 3 | 3.49% |
| 10 | Guardian Savings Bank cert 27998 | $107.9M | 1.35% | 1 | 1.16% |
| 11 | Somerville Bank cert 6700 | $91.5M | 1.14% | 4 | 4.65% |
| 12 | Valley Central Bank cert 28555 | $73.6M | 0.92% | 2 | 2.33% |
| 13 | The North Side Bank and Trust Company cert 9457 | $67.0M | 0.84% | 1 | 1.16% |
| 14 | Bank of America, National Association cert 3510 | $62.9M | 0.78% | 4 | 4.65% |
| 15 | Republic Bank & Trust Company cert 23627 | $24.6M | 0.31% | 1 | 1.16% |
| 16 | The Harrison Building and Loan Association cert 28080 | $18.6M | 0.23% | 1 | 1.16% |
| 17 | 1st National Bank cert 6646 | $17.6M | 0.22% | 1 | 1.16% |
| 18 | The Farmers & Merchants State Bank cert 5969 | $16.9M | 0.21% | 1 | 1.16% |
| 19 | Miami Savings Bank cert 32293 | $6.4M | 0.08% | 1 | 1.16% |
| 20 | Woodforest National Bank cert 23220 | $2.6M | 0.03% | 1 | 1.16% |
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 Ohio, or read the methodology for the two HHI constructions and what they cannot tell you.