Chester County, Pennsylvania, a core county of the Philadelphia-Reading-Camden, PA-NJ-DE-MD market, holds $16.5B in deposits across 28 insured institutions and 132 branches. Wells Fargo Bank, National Association is the largest deposit holder at 15.2% share. The top three banks hold 35% of deposits, which places the county in the Fragmented band. Deposits have fallen 3.2% since 2020 while the branch count fell by 13.2%. It produces $49.5B of output, ranking #97 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: 152 in 2020 to 132 in 2025. Institutions: 30 to 28. Top-three share: 35% to 35%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Wells Fargo Bank | $2.5B | 15.2% | -6% |
| Truist Bank | $1.7B | 10.2% | +4% |
| PNC Bank | $1.6B | 9.7% | -5% |
| Citizens Bank | $1.5B | 9.1% | +4% |
| TD Bank | $1.5B | 8.9% | +2% |
| Wilmington Savings Fund Society, FSB | $1.2B | 7.1% | +40% |
| Fulton Bank | $894M | 5.4% | +22% |
| S&T Bank | $722M | 4.4% | -8% |
| Bank of America | $569M | 3.4% | -29% |
| First Resource Bank | $495M | 3.0% | +61% |
| KeyBank | $493M | 3.0% | +6% |
| First Bank | $488M | 3.0% | +900% |
| Meridian Bank | $447M | 2.7% | -54% |
| LinkBank | $328M | 2.0% | no 2020 presence |
| Phoenixville Federal Bank and Trust | $326M | 2.0% | +11% |
| Santander Bank | $306M | 1.9% | -10% |
| Customers Bank | $246M | 1.5% | -75% |
| Manufacturers and Traders Trust Company | $245M | 1.5% | +95% |
| Presence Bank | $245M | 1.5% | +112% |
| JPMorgan Chase Bank | $231M | 1.4% | +7,993% |
| The National Bank of Malvern | $182M | 1.1% | +23% |
| Mid Penn Bank | $145M | 0.9% | +9% |
| Univest Bank and Trust Co. | $140M | 0.9% | +75% |
| First Citizens Community Bank | $31M | 0.2% | no 2020 presence |
| ESSA Bank & Trust | $22M | 0.1% | +20% |
| Citizens & Northern Bank | $13M | 0.1% | no 2020 presence |
| Woodforest National Bank | $2M | <0.1% | 0% |
| Wilmington Trust | $0M | 0.0% | no 2020 presence |
The 28 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 Philadelphia-Reading-Camden market
Chester 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 9.5% of the market’s output and holds 2.4% of its deposits.
| Measure | Chester County | Share of parent market |
|---|---|---|
| 2024 GDP | $49.5B | 9.5% |
| Deposits | $16.5B | 2.4% |
| Population | 557,116 | 7.4% |
View the full Philadelphia-Reading-Camden market profile →
Recruiting in Chester County
Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Chester County.
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