County banking markets / OH / 39041
DelawareOhio
FIPS 39041. 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 (1,050) and moderately concentrated on deposits (1,534).
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
25 branch offices and 8 institutions in 1994; 57 and 17 in 2025. Deposits booked in the county went from $455.7M to $6.92B, 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 | JPMorgan Chase Bank, National Association cert 628 | $1.82B | 26.30% | 8 | 14.04% |
| 2 | The Huntington National Bank cert 6560 | $1.33B | 19.27% | 9 | 15.79% |
| 3 | PNC Bank, National Association cert 6384 | $910.0M | 13.15% | 6 | 10.53% |
| 4 | Fifth Third Bank, National Association cert 6672 | $811.3M | 11.72% | 5 | 8.77% |
| 5 | First Commonwealth Bank cert 7468 | $761.9M | 11.01% | 10 | 17.54% |
| 6 | Buckeye State Bank cert 2286 | $242.9M | 3.51% | 1 | 1.75% |
| 7 | CFBank, National Association cert 28263 | $195.3M | 2.82% | 1 | 1.75% |
| 8 | KeyBank National Association cert 17534 | $157.8M | 2.28% | 3 | 5.26% |
| 9 | U.S. Bank National Association cert 6548 | $138.6M | 2.00% | 2 | 3.51% |
| 10 | The Richwood Banking Company cert 12978 | $138.3M | 2.00% | 1 | 1.75% |
| 11 | The Union Bank Company cert 12969 | $97.7M | 1.41% | 1 | 1.75% |
| 12 | Fidelity Federal Savings and Loan Association of Delaware cert 29521 | $95.7M | 1.38% | 2 | 3.51% |
| 13 | WesBanco Bank, Inc. cert 803 | $85.3M | 1.23% | 1 | 1.75% |
| 14 | Bank of America, National Association cert 3510 | $43.9M | 0.63% | 2 | 3.51% |
| 15 | The Middlefield Banking Company cert 13716 | $32.5M | 0.47% | 2 | 3.51% |
| 16 | The First Citizens National Bank of Upper Sandusky cert 14355 | $32.2M | 0.47% | 2 | 3.51% |
| 17 | German American Bank cert 17393 | $24.4M | 0.35% | 1 | 1.75% |
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.