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Lists · Deposits by metro area

Cincinnati, OH-KY-IN Metro Area Bank Deposit Market Share

U.S. Bank N.A. holds the largest share of deposits in the Cincinnati, OH-KY-IN metro area, 51.2%, followed by Fifth Third Bank, N.A. (25.5%) and PNC Bank, N.A. (4.9%). 55 institutions hold $187.59B at 598 offices as of June 30, 2026, down 2.1% from 2025.

Institutions: 55 Offices: 598 Deposits: $187.59B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Fifth Third Bank, N.A. (1.78 points); First Financial Bank (0.38 points); PNC Bank, N.A. (0.25 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 U.S. Bank N.A. 63 $95.98B 51.17% — —
2 Fifth Third Bank, N.A. 93 $47.91B 25.54% +1.78 pts 5.2%
3 PNC Bank, N.A. 46 $9.27B 4.94% +0.25 pts 3.1%
4 First Financial Bank 46 $7.00B 3.73% +0.38 pts 9.1%
5 The Huntington National Bank 36 $4.99B 2.66% +0.17 pts 4.4%
6 JPMorgan Chase Bank, N.A. 37 $3.69B 1.97% +0.12 pts 4.2%
7 Heritage Bank, Inc. 19 $1.83B 0.97% +0.09 pts 8.1%
8 Union Savings Bank 14 $1.60B 0.85% +0.06 pts 4.8%
9 KeyBank N.A. 17 $1.37B 0.73% +0.07 pts 8.3%
10 Truist Bank 13 $1.27B 0.68% +0.03 pts 2.4%
11 LCNB National Bank 23 $1.22B 0.65% -0.03 pts -6.9%
12 Guardian Savings Bank 10 $1.00B 0.53% +0.03 pts 3.5%
13 The North Side Bank and Trust Company 9 $989.5M 0.53% +0.07 pts 12.3%
14 Stock Yards Bank & Trust Company 9 $894.9M 0.48% +0.10 pts 24.3%
15 Bank of America, N.A. 18 $858.1M 0.46% +0.03 pts 3.8%
16 Peoples Bank 18 $668.0M 0.36% +0.00 pts -1.3%
17 WesBanco Bank, Inc. 9 $648.2M 0.35% +0.01 pts 1.3%
18 FCN Bank, N.A. 4 $566.7M 0.30% +0.02 pts 6.2%
19 Civista Bank 5 $559.2M 0.30% +0.02 pts 3.7%
20 First Commonwealth Bank 7 $509.7M 0.27% +0.00 pts -1.8%
21 Forcht Bank, N.A. 5 $426.5M 0.23% +0.03 pts 11.6%
22 Republic Bank & Trust Company 8 $425.4M 0.23% -0.01 pts -5.8%
23 The Park National Bank 4 $408.4M 0.22% +0.02 pts 5.5%
24 Central Bank & Trust Company 4 $374.8M 0.20% +0.03 pts 13.8%
25 Riverhills Bank 5 $294.4M 0.16% +0.00 pts 0.9%
26 Bath State Bank 3 $283.9M 0.15% +0.01 pts 3.4%
27 The Friendship State Bank 5 $241.1M 0.13% +0.00 pts 1.0%
28 First State Bank 4 $227.6M 0.12% +0.00 pts -0.6%
29 1st National Bank 7 $212.4M 0.11% 0.00 pts -5.2%
30 German American Bank 5 $206.0M 0.11% -0.01 pts -11.5%
31 The Harrison Building and Loan Association 3 $201.4M 0.11% -0.01 pts -6.6%
32 The Cincinnatus Savings and Loan Company 3 $163.0M 0.09% +0.01 pts 14.7%
33 Valley Central Bank 3 $146.0M 0.08% +0.01 pts 6.8%
34 Cfbank N.A. 1 $135.8M 0.07% +0.01 pts 7.2%
35 Miami Savings Bank 4 $114.9M 0.06% +0.01 pts 10.7%
36 Merchants National Bank 3 $114.5M 0.06% +0.00 pts 2.1%
37 Somerville Bank 4 $93.0M 0.05% +0.00 pts 1.7%
38 Peoples First Savings Bank 2 $85.5M 0.05% +0.00 pts 0.4%
39 Warsaw Federal Savings and Loan Association 1 $71.9M 0.04% +0.00 pts 12.6%
40 First Merchants Bank 1 $67.7M 0.04% +0.00 pts 5.6%
41 Spring Valley Bank 1 $67.0M 0.04% 0.00 pts -5.4%
42 Community Savings Bank 1 $65.4M 0.03% +0.01 pts 23.5%
43 The First National Bank of Brooksville 2 $65.2M 0.03% +0.00 pts 4.4%
44 Southern Hills Community Bank 2 $55.5M 0.03% +0.00 pts 9.1%
45 First National Bank of Kentucky 3 $54.7M 0.03% +0.00 pts 17.5%
46 Citizens Federal Savings and Loan Association of Covington 1 $28.1M 0.01% +0.00 pts 1.6%
47 Farmers & Merchants Bank 1 $25.0M 0.01% 0.00 pts -7.2%
48 Woodforest National Bank 9 $21.3M 0.01% +0.00 pts -0.4%
49 Home Savings Bank, FSB 1 $20.1M 0.01% +0.00 pts 5.8%
50 The Farmers & Merchants State Bank 1 $18.8M 0.01% +0.00 pts 11.1%
51 Community Trust Bank, Inc. 1 $13.2M <0.01% +0.00 pts 36.7%
52 Peoples Exchange Bank, Inc. 1 $9.5M <0.01% +0.00 pts 152.1%
53 The Farmers State Bank 1 $3.7M <0.01% +0.00 pts 4.7%
54 The First National Bank of Williamson 1 $0 <0.01% 0.00 pts New
54 Community Bank, N.A. 1 $0 <0.01% 0.00 pts New

About this list

Deposits are those held at each institution's offices in Cincinnati, OH-KY-IN (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city. A dash marks an institution with a closed office that could not be placed in one market, so its change is not shown.

Counties in this metro area

Hamilton County, OHButler County, OHWarren County, OHClermont County, OHKenton County, KYBoone County, KYCampbell County, KYDearborn County, INFranklin County, INBrown County, OHGrant County, KYPendleton County, KYUnion County, INOhio County, INBracken County, KYGallatin County, KY

Statewide deposits

IndianaKentuckyOhio

Largest metro areas

New York-Newark-Jersey City, NY-NJ-PASalt Lake City, UTSioux Falls, SDDallas-Fort Worth-Arlington, TXPhiladelphia-Camden-Wilmington, PA-NJ-DE-MDLos Angeles-Long Beach-Anaheim, CAChicago-Naperville-Elgin, IL-IN-WIBoston-Cambridge-Newton, MA-NHSan Francisco-Oakland-Berkeley, CACharlotte-Concord-Gastonia, NC-SCHouston-The Woodlands-Sugar Land, TXMiami-Fort Lauderdale-Pompano Beach, FLWashington-Arlington-Alexandria, DC-VA-MD-WVAtlanta-Sandy Springs-Alpharetta, GAMinneapolis-St. Paul-Bloomington, MN-WIPittsburgh, PAPhoenix-Mesa-Chandler, AZDetroit-Warren-Dearborn, MISan Jose-Sunnyvale-Santa Clara, CASan Antonio-New Braunfels, TXSeattle-Tacoma-Bellevue, WASt. Louis, MO-ILSan Diego-Chula Vista-Carlsbad, CACleveland-Elyria, OHTampa-St. Petersburg-Clearwater, FLColumbus, OHJacksonville, FLDenver-Aurora-Lakewood, CORaleigh-Cary, NCNashville-Davidson-Murfreesboro-Franklin, TNBaltimore-Columbia-Towson, MDKansas City, MO-KSSacramento-Roseville-Folsom, CALas Vegas-Henderson-Paradise, NVIndianapolis-Carmel-Anderson, INSalisbury, MD-DEMilwaukee-Waukesha, WIRiverside-San Bernardino-Ontario, CASan Juan-Bayamon-Caguas, PRAustin-Round Rock-Georgetown, TX

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