Lawrence, Kentucky
In Lawrence, Kentucky, Citizens National Corporation holds 32.2% of bank deposits, and local deposit concentration (HHI 2,923) ranks 1,485 of 3,104 U.S. counties and county equivalents in 2025. Concentration rose 295 points between 2015 and 2025. 4 banking organizations report deposits here; the source is the FDIC Summary of Deposits. What is HHI?
This profile is a branch-booking screen. Its county boundary and deposit denominator are not asserted legal banking markets.
- Deposit HHI
- 2,923National rank #1485
- Leading share
- 32.2%Rank #2134
- Organizations
- 44 above 5%
- Reported deposits
- $158.1M4 branches
Measurement contract
What this row measures
- Geography
- Lawrence, KYFDIC-reported county or equivalent
- Denominator
- $158.1MPositive reported branch deposits
- Organization rule
- 4 groupsTop holder when available; otherwise certificate
- Measure
- 2,923 HHIHighly concentrated
Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.
Spatial context
Locate this screen in the Kentucky field
Every colored county uses the same 2025 branch-deposit denominator and fixed HHI thresholds. Select another published screen to continue through its evidence profile.
State county field / KY
Kentucky deposit HHI
- State screens
- 120
- State HHI rank
- #75
Longitudinal evidence
Trace the annual branch-deposit screen
Compare exact June 30 observations from 2015 through 2025. Annual ranks are rebuilt within each vintage, and unavailable FIPS years remain visibly absent.
Deposit HHI
The upper field preserves the published metric level. The lower field isolates movement from 2015; annual gaps remain unconnected and unfilled.
| Year | HHI | National rank | Leader share | Organizations | Branches | Deposits | Leading organization |
|---|---|---|---|---|---|---|---|
| 2015 | 2,628 | #1574 / 3,112 | 32.6% | 4 | 5 | $135.8M | Community Holding Company |
| 2016 | 2,587 | #1599 / 3,108 | 31.4% | 4 | 5 | $139.7M | Community Holding Company |
| 2017 | 2,539 | #1659 / 3,108 | 29.6% | 4 | 5 | $146.7M | Community Holding Company |
| 2018 | 2,569 | #1651 / 3,109 | 30.6% | 4 | 5 | $142.9M | Community Holding Company |
| 2019 | 2,586 | #1655 / 3,111 | 30.1% | 4 | 5 | $144M | City Holding Company |
| 2020 | 2,658 | #1608 / 3,110 | 31.5% | 4 | 5 | $146.4M | City Holding Company |
| 2021 | 2,744 | #1547 / 3,109 | 32.0% | 4 | 5 | $148.7M | City Holding Company |
| 2022 | 2,814 | #1527 / 3,109 | 31.4% | 4 | 4 | $161.2M | First State Bancorp, Inc. |
| 2023 | 2,840 | #1530 / 3,108 | 31.9% | 4 | 4 | $148.6M | First State Bancorp, Inc. |
| 2024 | 2,884 | #1496 / 3,105 | 31.4% | 4 | 4 | $147.8M | City Holding Company |
| 2025 | 2,923 | #1485 / 3,104 | 32.2% | 4 | 4 | $158.1M | Citizens National Corporation |
Antitrust Radar independently aggregates each annual June 30 Summary of Deposits vintage from 2015 through 2025 using the FDIC-reported top bank holding company when available and otherwise the insured institution certificate. No values are interpolated across missing or changed geographies.
National benchmark
Position in the complete screen universe
Within-state context
Kentucky county screens
This screen ranks #75 of 120; its HHI is -462 from the state screen median of 3,385.
Nearest national peers
Closest published HHI screens
Public evidence packet
Reproduce FIPS 21127
The profile, relationship graph, explorer, annual history, JSON endpoints, and CSV exports resolve to the same FDIC source family with vintage-specific ranking universes.
- Publisher
- Federal Deposit Insurance Corporation
- Accessed
- 2026-07-20
- Coverage
- 11 exact annual rows / high confidence
County banking screen guardrail
County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions.