Lists · Deposits by metro area
Richmond-Berea, KY Metro Area Bank Deposit Market Share
Whitaker Bank, Inc holds the largest share of deposits in the Richmond-Berea, KY metro area, 17.3%, followed by Citizens Guaranty Bank (10.7%) and JPMorgan Chase Bank, N.A. (9.7%). 18 institutions hold $2.17B at 39 offices as of June 30, 2026, up 4.0% from 2025.
Largest share changes since 2025
Gained: PBT Bancorp (0.85 points, new to this market); 1st Trust Bank, Inc. (0.45 points); Central Bank & Trust Company (0.36 points).
Lost: Fifth Third Bank, N.A. (-0.60 points); JPMorgan Chase Bank, N.A. (-0.40 points); Cumberland Valley National Bank & Trust Company (-0.34 points).
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | Whitaker Bank, Inc | $374.0M | 17.26% | -0.20 pts |
| 2 | Citizens Guaranty Bank | $230.9M | 10.65% | -0.29 pts |
| 3 | JPMorgan Chase Bank, N.A. | $211.1M | 9.74% | -0.40 pts |
| 4 | Stock Yards Bank & Trust Company | $199.5M | 9.21% | -0.21 pts |
| 5 | Cumberland Valley National Bank & Trust Company | $193.3M | 8.92% | -0.34 pts |
| 6 | Community Trust Bank, Inc. | $191.0M | 8.82% | +0.31 pts |
| 7 | U.S. Bank N.A. | $180.0M | 8.31% | -0.07 pts |
| 8 | Central Bank & Trust Company | $152.3M | 7.03% | +0.36 pts |
| 9 | PNC Bank, N.A. | $119.7M | 5.53% | +0.05 pts |
| 10 | Fifth Third Bank, N.A. | $99.4M | 4.59% | -0.60 pts |
| 11 | 1st Trust Bank, Inc. | $85.6M | 3.95% | +0.45 pts |
| 12 | First Southern National Bank | $62.5M | 2.88% | -0.09 pts |
| 13 | Forcht Bank, N.A. | $21.7M | 1.00% | +0.14 pts |
| 14 | PBT Bancorp | $18.5M | 0.85% | +0.85 pts |
| 15 | Citizens Bank | $17.5M | 0.81% | +0.15 pts |
| 16 | Monticello Banking Company | $6.7M | 0.31% | -0.14 pts |
| 17 | Woodforest National Bank | $3.0M | 0.14% | +0.02 pts |
| 18 | The Citizens National Bank of Somerset | $50K | <0.01% | +0.00 pts |
About this list
Deposits are those held at each institution's offices in Richmond-Berea, 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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