Lists · Deposits by metro area
Owensboro, KY Metro Area Bank Deposit Market Share
Independence Bank of Kentucky holds the largest share of deposits in the Owensboro, KY metro area, 34.8%, followed by U.S. Bank N.A. (12.0%) and Truist Bank (9.4%). 15 institutions hold $3.46B at 36 offices as of June 30, 2026, down 3.5% from 2025.
Largest share changes since 2025
Gained: Old National Bank (0.83 points); South Central Bank, Inc. (0.80 points); Cornerstone Community Bank (0.57 points, new to this market).
Lost: Independence Bank of Kentucky (-1.38 points); Fifth Third Bank, N.A. (-0.83 points); Truist Bank (-0.80 points).
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | Independence Bank of Kentucky | $1.21B | 34.79% | -1.38 pts |
| 2 | U.S. Bank N.A. | $417.4M | 12.05% | +0.42 pts |
| 3 | Truist Bank | $326.1M | 9.41% | -0.80 pts |
| 4 | South Central Bank, Inc. | $272.7M | 7.87% | +0.80 pts |
| 5 | JPMorgan Chase Bank, N.A. | $265.8M | 7.67% | -0.20 pts |
| 6 | German American Bank | $240.5M | 6.94% | +0.49 pts |
| 7 | Old National Bank | $181.0M | 5.22% | +0.83 pts |
| 8 | Fifth Third Bank, N.A. | $95.6M | 2.76% | -0.83 pts |
| 9 | First Financial Bank, N.A. | $88.6M | 2.56% | +0.07 pts |
| 10 | The Sacramento Deposit Bank | $88.4M | 2.55% | +0.15 pts |
| 11 | PNC Bank, N.A. | $85.2M | 2.46% | -0.03 pts |
| 12 | Peoples Bank | $62.6M | 1.81% | -0.20 pts |
| 13 | First United Bank and Trust Company, Inc. | $59.8M | 1.73% | +0.17 pts |
| 14 | Farmers Bank & Trust Company | $55.5M | 1.60% | -0.08 pts |
| 15 | Cornerstone Community Bank | $19.9M | 0.57% | +0.57 pts |
About this list
Deposits are those held at each institution's offices in Owensboro, KY (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.
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