Banking Market Definitions

Ohio Fourth District Market Definitions

All counties in Ohio are within the Fourth District and the banking markets defined the Federal Reserve Bank of Cleveland. Banking markets that straddle Federal Reserve Districts are maintained on a cooperative basis between the respective Reserve Banks. As a result, bordering Reserve Bank districts should also be consulted.

List updated as of September 12, 2008.

Fourth District

Ohio County Market Name
Adams Adams County
Allen Lima
Ashland Ashland County
Ashtabula Ashtabula County
Athens Athens
Auglaize Lima and Celina-St. Mary’s
Belmont Wheeling, WV-OH
Brown Cincinnati, OH-KY-IN
Butler Cincinnati, OH-KY-IN
Carroll Canton
Champaign Springfield
Clark Springfield
Clermont Cincinnati, OH-KY-IN
Clinton Wilmington
Columbiana Youngstown-Warren, OH-PA-WV
Coshocton Coshocton County
Crawford Crawford County
Cuyahoga Cleveland
Darke Darke County
Defiance Defiance and Fort Wayne, IN
Delaware Columbus
Erie Cleveland and Sandusky
Fairfield Cincinnati, OH-KY-IN
Fayette Fayette County
Franklin Columbus
Fulton Toledo
Gallia Point Pleasant-Gallipolis, WV-OH
Geauga Cleveland
Greene Dayton
Guernsey Cambridge
Hamilton Cincinnati, OH-KY-IN
Hancock Findlay and Tiffin-Fostoria
Hardin Lima and Hardin County
Harrison Dover-New Philadelphia
Henry Henry County
Highland Wilmington
Hocking Columbus
Holmes Wayne-West Holmes and Dover-New Philadelphia
Huron Huron
Jackson Jackson
Jefferson Steubenville-Weirton, OH-WV
Knox Knox County
Lake Cleveland
Lawrence Huntington-Ashland WV-KY-OH
Licking Columbus
Logan Logan County
Lorain Cleveland
Lucas Toledo
Madison Columbus
Mahoning Youngstown-Warren, OH-PA-WV and Canton
Marion Marion County
Medina Cleveland and Akron
Meigs Athens
Mercer Celina-St. Mary’s
Miami Dayton
Monroe Monroe County
Montgomery Dayton
Morgan Morgan County
Morrow Columbus
Muskingum Zanesville
Noble Cambridge
Ottawa Toledo
Paulding Defiance and Fort Wayne, IN
Perry Columbus and Zanesville
Pickaway Columbus
Pike Pike County
Portage A46 Akron and Cleveland
Preble Dayton
Putnam Lima
Richland Richland County
Ross Ross County
Sandusky Fremont and Huron
Scioto Portsmouth, OH-KY
Seneca Tiffin-Fostoria
Shelby Shelby County
Stark Canton and Akron
Summit Akron and Cleveland
Trumbull Youngstown-Warren, OH-PA-WV and Sharon, PA-OH
Tuscarawas Dover-New Philadelphia
Union Columbus
Van Wert Lima and Van Wert County
Vinton Jackson
Warren Cincinnati, OH-KY-IN
Washington Parkersburg-Marietta, WV-OH
Wayne Wayne-West Holmes and Akron
Williams Williams County
Wood Toledo and Tiffin-Fostoria
Wyandot Wyandot County

Constituent Areas

NOTE: Unless otherwise indicated, all markets and constituent areas are located in the State of Ohio.

Market Name Constituent Areas
ADAMS COUNTY Adams County
AKRON Summit County, OH (minus Sagamore Hills, Northfield Center, Twinsburg, Richfield and Boston townships, the villages adjoining these townships, and the cities of Twinsburg, Macedonia and Hudson); Franklin, Ravenna, Charlestown, Paris, Brimfield, Rootstown, Edinburg, Palmyra, Suffield, Randolph, Atwater and Deerfield townships, and the city of Kent in Portage County; Guilford, Wadsworth and Sharon townships, and the city of Wadsworth in Medina County; Lawrence and Lake townships in Stark County, OH; and Milton and and Chippewa townships, and the villages adjoining these townships, in Wayne County.
ASHLAND COUNTY Ashland County
ASHTABULA COUNTY Ashtabula County
ATHENS Athens and Meigs Counties
CAMBRIDGE Guernsey and Noble Counties
CANTON Carroll County, OH; Marlboro, Lexington, Jackson, Plain, Nimishillen, Washington, Tuscarawas, Perry, Canton, Osnaburg, Paris, Sugar Creek, Bethlehem, Pike and Sandy Townships in Stark County, OH; and Smith township in Mahoning County.
CELINA-ST.MARY’S Mercer County; Noble, Washington, St. Mary’s, Jackson and German Townships in Auglaize County.
CINCINNATI OH-KY-IN Brown, Butler, Clermont, Hamilton and Warren Counties, OH; Dearborn County, IN; Boone, Bracken, Campbell, Gallatin, Grant, Kenton and Pendleton Counties, KY; and the New Liberty and Owenton census county divisions in Owen County, KY.
CLEVELAND Cuyahoga, Lake, Lorain and Geauga Counties, OH; Sagamore Hills, Center, Twinsburg, Richfield and Boston townships, the villages surrounding these townships, and the cities of Macedonia, Twinsburg and Hudson in Summit County; Homer, Harrisville, Westfield, Spencer, Chatham, Lafayette, Montville, Litchfield, York, Medina, Granger, Liverpool, Brunswick Hills and Hinckley townships, and the cities of Medina and Brusnswick in Medina County, OH; Mantua, Hiram, Nelson, Shalersville, Freedom and Windham townships, and the cities of Aurora and Streetsboro in Portage County, OH; and the city of Vermillion (not whole township) in Erie County, OH
COLUMBUS Counties of Franklin, Delaware, Fairfield, Hocking, Licking, Madison, Morrow, Pickaway, Union, and Perry except Harrison Township
COSHOCTON COUNTY Coshocton County
CRAWFORD COUNTY Crawford County
DARKE COUNTY Darke County
DAYTON Montgomery, Greene, Miami, and Preble Counties
DEFIANCE Defiance County less Hicksville Township, and Paulding County less Carryall Township
DOVER-NEW PHILADELPHIA Tuscarawas and Harrison Counties, and Salt Creek, Paint, Berlin, Walnut Creek, and Clark Townships in Holmes County
FAYETTE COUNTY Fayette County
FINDLAY, OH Hancock County minus Fostoria city
FORT WAYNE IN-OH Allen, DeKalb, and Whitley Counties IN; Preble, Root, and Union Townships in Adams County IN; Union and Jefferson Townships in Wells County IN; Jackson and Union Townships in Huntington County IN; and Noble, Green, and Swan Townships in Noble County IN; plus Carryall Township in Paulding County OH; and Hicksville Township in Defiance County OH
FREMONT, OH Sandusky County (minus Bellevue city)
HENRY COUNTY Henry County
HUNTINGTON WV-KY-OH Wayne County WV; Cabell County WV except the Charleston RMA; Boyd County KY; Greenup County KY except the Fullerton CCD; and Lawrence County OH
HURON COUNTY Huron County; plus the city of Bellevue in Sandusky County.
JACKSON Jackson and Vinton Counties
KNOX COUNTY Knox County
LIMA Allen and Putnam Counties; Clay, Duchouquet, Goshen, Logan, Moulton, Pusheta, Salem, Union, and Wayne Townships in Auglaize County; Liberty Township in Hardin County; and Washington Township including Delphos in Van Wert County
LOGAN COUNTY Logan County
MARION COUNTY Marion County
MONROE COUNTY Monroe County
MORGAN COUNTY Morgan County
PARKERSBURG-MARIETTA Wood, Pleasants, Ritchie, and Wirt Counties, WV, and Washington County, OH, WV-OH.
PIKE COUNTY Pike County
POINT PLEASANT-GALLIPOLIS WV-OH Mason County, WV and Gallia County, OH
PORTSMOUTH OH-KY Scioto County, OH and the Fullerton CCD in Greenup County, KY.
RICHLAND COUNTY Richland County
ROSS COUNTY Ross County
SANDUSKY Erie County less the City of Vermillion
SHARON PA-OH Mercer County PA, and Brookfield and Hartford Townships in Trumbull County OH
SHELBY COUNTY Shelby County
SPRINGFIELD Clark and Champaign Counties
STEUBENVILLE-WEIRTON Jefferson County, OH; Brooke County WV; and Clay and Butler Districts in OH-W; Hancock County, WV.
TIFFIN-FOSTORIA Seneca County and the Fostoria city portions of Hancock and Wood counties
TOLEDO Lucas, Fulton, and Ottawa Counties, and Wood County except Fostoria city (part)
VAN WERT COUNTY Van Wert County except Washington Township and the city of Delphos Bottom of Form
WAYNE-WEST HOLMES Congress, Canaan, Chester, Wayne, Green, Baughman, Plain, Wooster, East Union, Sugar Creek, Clinton, Franklin, Salt Creek and Paint townships, and the city of Wooster in Wayne County, OH; and Washington, Ripley, Prairie, Knox, Monroe, Hardy, Richland, Killbuck and Mechanic townships in Holmes County
WHEELING WV-OH Ohio County WV; Marshall County WV; and Belmont County OH
WILLIAMS COUNTY Williams County
WILMINGTON Clinton and Highland Counties
WYANDOT COUNTY Wyandot County
YOUNGSTOWN-WARREN Mahoning County OH except Smith Township; Trumbull County OH except OH-WV; Brookfield and Hartford Townships; Columbiana County, OH; and Grant District in Hancock County, WV
ZANESVILLE Muskingum County and Harrison Township in Perry County.

For more information regarding banking market definitions for the Fourth Federal Reserve District, please contact the Regulatory Applications/Competitive Factor section of the Supervision and Regulation Department: Thomas A. Hendricks, Applications Examiner/Competitive Factor Analysis, 216.579.3165.

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