Berks County, Pennsylvania, a core county of the Philadelphia-Reading-Camden, PA-NJ-DE-MD market, holds $22.7B in deposits across 19 insured institutions and 90 branches. Customers Bank is the largest deposit holder at 37.6% share. The top three banks hold 72% of deposits, which places the county in the Concentrated band. Deposits have grown 16.1% since 2021 while the branch count fell by 15.9%. It produced $20.9B of real gross domestic product in 2024, ranking #215 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 107 in 2021 to 90 in 2026. Institutions: 19 to 19. Top-three share: 66% to 72%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Customers Bank | $8.5B | 37.6% | +38% |
| Santander Bank | $5.9B | 25.9% | +24% |
| Truist Bank | $2.0B | 8.8% | +15% |
| Wells Fargo Bank | $1.4B | 6.1% | -31% |
| Tompkins Community Bank | $1.2B | 5.1% | -2% |
| Fulton Bank | $971M | 4.3% | 0% |
| Manufacturers and Traders Trust Company | $803M | 3.5% | -16% |
| First National Bank of Pennsylvania | $551M | 2.4% | +22% |
| Citizens Bank | $451M | 2.0% | -8% |
| Fleetwood Bank | $381M | 1.7% | +22% |
| Mid Penn Bank | $275M | 1.2% | -6% |
| First Citizens Community Bank | $84M | 0.4% | +17% |
| The Ephrata National Bank | $74M | 0.3% | +53% |
| Ambler Savings Bank | $70M | 0.3% | +42% |
| Univest Bank and Trust Co. | $19M | 0.1% | +22,241% |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $19M | 0.1% | +346% |
| JPMorgan Chase Bank | $14M | 0.1% | no 2021 presence |
| Woodforest National Bank | $11M | <0.1% | -25% |
| Bank of Bird-in-Hand | $0M | 0.0% | no 2021 presence |
The 19 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Philadelphia-Reading-Camden market
Berks County is one of 16 counties that make up the Philadelphia-Reading-Camden, PA-NJ-DE-MD market, a Combined Statistical Area (ranked #11 of 293 U.S. markets by economic output). It produces 4.0% of the market’s output and holds 3.1% of its deposits.
| Measure | Berks County | Share of parent market |
|---|---|---|
| 2024 GDP | $20.9B | 4.0% |
| Deposits | $22.7B | 3.1% |
| Population | 440,072 | 5.9% |
View the full Philadelphia-Reading-Camden market profile →
Recruiting in Berks County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Berks County.
See how we help banks recruit commercial banking talent