County banking markets / OH / 39035
CuyahogaOhio
FIPS 39035. 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 (779) and highly concentrated on deposits (3,155).
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
474 branch offices and 35 institutions in 1994; 334 and 28 in 2025. Deposits booked in the county went from $25.33B to $104.87B, 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 | KeyBank National Association cert 17534 | $56.41B | 53.79% | 40 | 11.98% |
| 2 | The Huntington National Bank cert 6560 | $9.14B | 8.72% | 38 | 11.38% |
| 3 | PNC Bank, National Association cert 6384 | $9.10B | 8.68% | 34 | 10.18% |
| 4 | Citizens Bank, National Association cert 57957 | $6.57B | 6.26% | 31 | 9.28% |
| 5 | Third Federal Savings and Loan Association of Cleveland cert 30012 | $5.70B | 5.44% | 14 | 4.19% |
| 6 | JPMorgan Chase Bank, National Association cert 628 | $4.06B | 3.87% | 26 | 7.78% |
| 7 | Fifth Third Bank, National Association cert 6672 | $3.56B | 3.39% | 27 | 8.08% |
| 8 | U.S. Bank National Association cert 6548 | $2.29B | 2.18% | 26 | 7.78% |
| 9 | Dollar Bank, Federal Savings Bank cert 32245 | $1.92B | 1.84% | 20 | 5.99% |
| 10 | Flagstar Bank, National Association cert 32541 | $1.74B | 1.66% | 18 | 5.39% |
| 11 | First Federal Savings and Loan Association of Lakewood cert 29488 | $1.67B | 1.60% | 14 | 4.19% |
| 12 | Bank of America, National Association cert 3510 | $833.5M | 0.79% | 14 | 4.19% |
| 13 | First National Bank of Pennsylvania cert 7888 | $563.7M | 0.54% | 10 | 2.99% |
| 14 | Westfield Bank, FSB cert 57077 | $193.0M | 0.18% | 1 | 0.30% |
| 15 | CNB Bank cert 13876 | $169.8M | 0.16% | 3 | 0.90% |
| 16 | Independence Bank cert 22925 | $154.3M | 0.15% | 1 | 0.30% |
| 17 | CFBank, National Association cert 28263 | $144.9M | 0.14% | 2 | 0.60% |
| 18 | Civista Bank cert 12982 | $116.3M | 0.11% | 1 | 0.30% |
| 19 | Union Savings Bank cert 32296 | $110.0M | 0.10% | 2 | 0.60% |
| 20 | The Farmers National Bank of Canfield cert 6540 | $108.2M | 0.10% | 2 | 0.60% |
| 21 | Peoples Bank cert 6544 | $97.7M | 0.09% | 1 | 0.30% |
| 22 | The Middlefield Banking Company cert 13716 | $82.1M | 0.08% | 2 | 0.60% |
| 23 | The Northern Trust Company cert 913 | $72.1M | 0.07% | 1 | 0.30% |
| 24 | The Pioneer Savings Bank cert 27847 | $37.8M | 0.04% | 1 | 0.30% |
| 25 | Woodforest National Bank cert 23220 | $8.0M | 0.01% | 2 | 0.60% |
| 26 | Monet Bank cert 32574 | $7.5M | 0.01% | 1 | 0.30% |
| 27 | Credit First National Association cert 33855 | $500K | 0.00% | 1 | 0.30% |
| 28 | BNY Mellon, National Association cert 7946 | $0K | 0.00% | 1 | 0.30% |
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.