County banking markets / OH / 39065
HardinOhio
FIPS 39065. 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 moderately concentrated on branches (1,600) and highly concentrated on deposits (2,504).
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
14 branch offices and 10 institutions in 1994; 10 and 7 in 2025. Deposits booked in the county went from $284.5M to $543.6M, 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 | The Middlefield Banking Company cert 13716 | $201.1M | 37.00% | 2 | 20.00% |
| 2 | The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC cert 29571 | $159.4M | 29.32% | 1 | 10.00% |
| 3 | U.S. Bank National Association cert 6548 | $53.3M | 9.80% | 1 | 10.00% |
| 4 | The Huntington National Bank cert 6560 | $52.2M | 9.60% | 2 | 20.00% |
| 5 | Community First Bank, National Association cert 6584 | $45.0M | 8.28% | 2 | 20.00% |
| 6 | The Mt. Victory State Bank cert 9438 | $19.2M | 3.52% | 1 | 10.00% |
| 7 | The First Citizens National Bank of Upper Sandusky cert 14355 | $13.5M | 2.47% | 1 | 10.00% |
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.