Cumberland County, Pennsylvania, a core county of the Harrisburg-York-Lebanon, PA market, holds $11.6B in deposits across 20 insured institutions and 62 branches. PNC Bank, National Association is the largest deposit holder at 38.5% share. The top three institutions hold 59.3% of deposits, which places the county in the moderately concentrated band. Deposits have grown 25.0% since 2020 while the branch count fell by 17. It produces $18.3B of output, ranking #233 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 79 in 2020 to 62 in 2025. Institutions: 21 to 20. Top-three share: 59.4% to 59.3%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| PNC Bank, National Association | $4.5B | 38.5% | +21% |
| Manufacturers and Traders Trust Company | $1.4B | 11.8% | +42% |
| Orrstown Bank | $1.0B | 8.9% | +22% |
| First National Bank of Pennsylvania | $700M | 6.0% | +10% |
| Atlantic Community Bankers Bank | $564M | 4.8% | +38% |
| Mid Penn Bank | $516M | 4.4% | +123% |
| Farmers and Merchants Trust Company of Chambersburg | $444M | 3.8% | +43% |
| Wells Fargo Bank, National Association | $387M | 3.3% | +18% |
| Santander Bank, N.A. | $382M | 3.3% | +33% |
| Fulton Bank, National Association | $332M | 2.9% | +42% |
The 10 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
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 33.6% of its deposits.
| Measure | Cumberland County | Share of Harrisburg-York-Lebanon market |
|---|---|---|
| 2024 GDP | $18.3B | 24.7% |
| Deposits | $11.6B | 33.6% |
| 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, on a retained basis.
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