Cambria County, Pennsylvania, a core county of the Johnstown-Somerset, PA market, holds $4.0B in deposits across 13 insured institutions and 59 branches. 1st Summit Bank is the largest deposit holder at 22.6% share. The top three banks hold 65% of deposits, which places the county in the Concentrated band. Deposits have grown 12.6% since 2020 while the branch count fell by 11.9%. It produces $4.9B of output, ranking #603 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: 67 in 2020 to 59 in 2025. Institutions: 13 to 13. Top-three share: 65% to 65%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| 1st Summit Bank | $912M | 22.6% | +15% |
| Ameriserv Financial Bank | $865M | 21.4% | +21% |
| First National Bank of Pennsylvania | $836M | 20.7% | +2% |
| First Commonwealth Bank | $408M | 10.1% | +8% |
| Somerset Trust Company | $279M | 6.9% | +21% |
| S&T Bank | $215M | 5.3% | +23% |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | $118M | 2.9% | +5% |
| PennCrest Bank | $117M | 2.9% | +12% |
| Northwest Bank | $116M | 2.9% | -18% |
| CNB Bank | $79M | 2.0% | +35% |
| InFirst Bank | $55M | 1.4% | +62% |
| Marion Center Bank | $34M | 0.8% | +32% |
| Woodforest National Bank | $5M | 0.1% | +68% |
The 13 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. 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 2020 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 Johnstown-Somerset market
Cambria County is one of 2 counties that make up the Johnstown-Somerset, PA market, a Combined Statistical Area (ranked #240 of 293 U.S. markets by economic output). It produces 67.7% of the market’s output and holds 69.6% of its deposits.
| Measure | Cambria County | Share of parent market |
|---|---|---|
| 2024 GDP | $4.9B | 67.7% |
| Deposits | $4.0B | 69.6% |
| Population | 128,968 | 64.2% |
View the full Johnstown-Somerset market profile →
Recruiting in Cambria 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 Cambria County.
See how we help banks recruit commercial banking talent