County banking markets / OH / 39061
HamiltonOhio
FIPS 39061. 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 (791) and highly concentrated on deposits (4,614).
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
363 branch offices and 59 institutions in 1994; 240 and 33 in 2025. Deposits booked in the county went from $14.24B to $159.23B, 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 | U.S. Bank National Association cert 6548 | $100.83B | 63.33% | 25 | 10.42% |
| 2 | Fifth Third Bank, National Association cert 6672 | $38.30B | 24.05% | 43 | 17.92% |
| 3 | PNC Bank, National Association cert 6384 | $6.48B | 4.07% | 26 | 10.83% |
| 4 | First Financial Bank cert 6600 | $3.28B | 2.06% | 20 | 8.33% |
| 5 | The Huntington National Bank cert 6560 | $2.66B | 1.67% | 15 | 6.25% |
| 6 | JPMorgan Chase Bank, National Association cert 628 | $1.28B | 0.80% | 15 | 6.25% |
| 7 | Union Savings Bank cert 32296 | $1.12B | 0.70% | 9 | 3.75% |
| 8 | KeyBank National Association cert 17534 | $842.0M | 0.53% | 9 | 3.75% |
| 9 | The North Side Bank and Trust Company cert 9457 | $814.4M | 0.51% | 8 | 3.33% |
| 10 | Guardian Savings Bank cert 27998 | $551.3M | 0.35% | 6 | 2.50% |
| 11 | Stock Yards Bank & Trust Company cert 258 | $465.0M | 0.29% | 4 | 1.67% |
| 12 | First Commonwealth Bank cert 7468 | $341.9M | 0.21% | 6 | 2.50% |
| 13 | LCNB National Bank cert 6623 | $299.3M | 0.19% | 7 | 2.92% |
| 14 | WesBanco Bank, Inc. cert 803 | $286.4M | 0.18% | 5 | 2.08% |
| 15 | Republic Bank & Trust Company cert 23627 | $239.5M | 0.15% | 3 | 1.25% |
| 16 | The Harrison Building and Loan Association cert 28080 | $197.0M | 0.12% | 2 | 0.83% |
| 17 | The Park National Bank cert 6653 | $179.6M | 0.11% | 2 | 0.83% |
| 18 | CFBank, National Association cert 28263 | $151.3M | 0.10% | 2 | 0.83% |
| 19 | The Cincinnatus Savings & Loan Co. cert 28157 | $142.1M | 0.09% | 3 | 1.25% |
| 20 | Bank of America, National Association cert 3510 | $129.4M | 0.08% | 10 | 4.17% |
| 21 | Miami Savings Bank cert 32293 | $97.4M | 0.06% | 2 | 0.83% |
| 22 | FCN Bank, National Association cert 4319 | $82.1M | 0.05% | 1 | 0.42% |
| 23 | Forcht Bank, National Association cert 57415 | $76.3M | 0.05% | 2 | 0.83% |
| 24 | Spring Valley Bank cert 34386 | $70.9M | 0.04% | 1 | 0.42% |
| 25 | Warsaw Federal Savings and Loan Association cert 28217 | $63.9M | 0.04% | 1 | 0.42% |
| 26 | Valley Central Bank cert 28555 | $63.0M | 0.04% | 1 | 0.42% |
| 27 | Peoples Bank cert 6544 | $56.2M | 0.04% | 3 | 1.25% |
| 28 | Heritage Bank, Inc. cert 33119 | $49.2M | 0.03% | 1 | 0.42% |
| 29 | German American Bank cert 17393 | $31.1M | 0.02% | 1 | 0.42% |
| 30 | Truist Bank cert 9846 | $26.9M | 0.02% | 1 | 0.42% |
| 31 | New Foundation Savings Bank cert 32306 | $14.7M | 0.01% | 1 | 0.42% |
| 32 | 1st National Bank cert 6646 | $9.6M | 0.01% | 2 | 0.83% |
| 33 | Woodforest National Bank cert 23220 | $8.3M | 0.01% | 3 | 1.25% |
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.