Clinton County, Pennsylvania, a core county of the Williamsport-Lock Haven, PA market, holds $719M in deposits across 8 insured institutions and 12 branches. First Commonwealth Bank is the largest deposit holder at 23.9% share. The top three institutions hold 65.6% of deposits, which places the county in the concentrated band. Deposits have grown 22.3% since 2020. It produces $1.6B of output, ranking #1,027 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: 12 in 2020 to 12 in 2025. Institutions: 8 to 8. Top-three share: 68.6% to 65.6%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First Commonwealth Bank | $172M | 23.9% | +49% |
| Jersey Shore State Bank | $168M | 23.3% | +15% |
| First National Bank of Pennsylvania | $132M | 18.4% | -7% |
| Manufacturers and Traders Trust Company | $102M | 14.2% | +11% |
| Northwest Bank | $49M | 6.8% | +35% |
| Journey Bank | $37M | 5.2% | no 2020 presence |
| Woodlands Bank | $33M | 4.6% | +92% |
| First Citizens Community Bank | $26M | 3.6% | +33% |
The 8 insured institutions with a branch presence in this county, as of 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 Williamsport-Lock Haven market
Clinton County is one of 2 counties that make up the Williamsport-Lock Haven, PA market, a Combined Statistical Area (ranked #230 of 293 U.S. markets by economic output). It produces 20.5% of the market’s output and holds 19.0% of its deposits.
| Measure | Clinton County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.6B | 20.5% |
| Deposits | $719M | 19.0% |
| Population | 37,870 | 25.2% |
View the full Williamsport-Lock Haven market profile →
Recruiting in Clinton 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 Clinton County.
See how we help banks recruit commercial banking talent