Cumberland County, Pennsylvania, a core county of the Harrisburg-York-Lebanon, PA market, holds $11.2B in deposits across 20 insured institutions and 60 branches. PNC Bank is the largest deposit holder at 36.0% share. The top three banks hold 59% of deposits, which places the county in the Moderate band. Deposits have grown 1.0% since 2021 while the branch count fell by 15.5%. It produced $18.3B of real gross domestic product in 2024, ranking #233 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: 71 in 2021 to 60 in 2026. Institutions: 21 to 20. Top-three share: 60% to 59%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| PNC Bank | $4.0B | 36.0% | -12% |
| Manufacturers and Traders Trust Company | $1.5B | 13.2% | +27% |
| Orrstown Bank | $1.1B | 9.5% | +10% |
| First National Bank of Pennsylvania | $678M | 6.1% | -7% |
| Atlantic Community Bankers Bank | $566M | 5.1% | +20% |
| Mid Penn Bank | $515M | 4.6% | +62% |
| Farmers and Merchants Trust Company of Chambersburg | $442M | 4.0% | +33% |
| Wells Fargo Bank | $407M | 3.6% | 0% |
| Santander Bank | $373M | 3.3% | +23% |
| Fulton Bank | $341M | 3.1% | +34% |
| Citizens Bank | $304M | 2.7% | +2% |
| S&T Bank | $286M | 2.6% | -34% |
| First Commonwealth Bank | $207M | 1.9% | -38% |
| Burke & Herbert Bank & Trust Company | $180M | 1.6% | -22% |
| Truist Bank | $112M | 1.0% | +13% |
| ACNB Bank | $67M | 0.6% | +10% |
| Pennian Bank | $55M | 0.5% | +15% |
| JPMorgan Chase Bank | $44M | 0.4% | no 2021 presence |
| Univest Bank and Trust Co. | $19M | 0.2% | +133,043% |
| Woodforest National Bank | $8M | 0.1% | 0% |
The 20 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 Harrisburg-York-Lebanon market
Cumberland County is one of 6 counties that make up the Harrisburg-York-Lebanon, PA market, a Combined Statistical Area (ranked #52 of 293 U.S. markets by economic output). It produces 24.7% of the market’s output and holds 32.2% of its deposits.
| Measure | Cumberland County | Share of parent market |
|---|---|---|
| 2024 GDP | $18.3B | 24.7% |
| Deposits | $11.2B | 32.2% |
| Population | 277,270 | 20.6% |
View the full Harrisburg-York-Lebanon market profile →
Recruiting in Cumberland County
Deposits are split among a moderate 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 Cumberland County.
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