County banking markets / OH / 39085
LakeOhio
FIPS 39085. 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 (934) and unconcentrated on deposits (1,197).
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
79 branch offices and 20 institutions in 1994; 51 and 16 in 2025. Deposits booked in the county went from $2.50B to $6.79B, 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 Huntington National Bank cert 6560 | $1.46B | 21.45% | 7 | 13.73% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $1.21B | 17.80% | 8 | 15.69% |
| 3 | KeyBank National Association cert 17534 | $675.9M | 9.96% | 6 | 11.76% |
| 4 | Citizens Bank, National Association cert 57957 | $602.1M | 8.87% | 5 | 9.80% |
| 5 | Fifth Third Bank, National Association cert 6672 | $600.7M | 8.85% | 4 | 7.84% |
| 6 | PNC Bank, National Association cert 6384 | $522.4M | 7.70% | 3 | 5.88% |
| 7 | Third Federal Savings and Loan Association of Cleveland cert 30012 | $429.4M | 6.33% | 1 | 1.96% |
| 8 | Flagstar Bank, National Association cert 32541 | $339.8M | 5.01% | 3 | 5.88% |
| 9 | Dollar Bank, Federal Savings Bank cert 32245 | $278.7M | 4.11% | 4 | 7.84% |
| 10 | CNB Bank cert 13876 | $227.0M | 3.34% | 1 | 1.96% |
| 11 | U.S. Bank National Association cert 6548 | $195.0M | 2.87% | 3 | 5.88% |
| 12 | WesBanco Bank, Inc. cert 803 | $73.8M | 1.09% | 1 | 1.96% |
| 13 | First National Bank of Pennsylvania cert 7888 | $66.8M | 0.98% | 1 | 1.96% |
| 14 | First Federal Savings and Loan Association of Lakewood cert 29488 | $56.0M | 0.82% | 1 | 1.96% |
| 15 | The Andover Bank cert 10663 | $50.8M | 0.75% | 1 | 1.96% |
| 16 | Bank of America, National Association cert 3510 | $6.1M | 0.09% | 2 | 3.92% |
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.