Market Intelligence

Dauphin County, PA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Dauphin County, Pennsylvania, a core county of the Harrisburg-York-Lebanon, PA market, holds $7.6B in deposits across 19 insured institutions and 67 branches. First National Bank of Pennsylvania is the largest deposit holder at 20.2% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have fallen 7.7% since 2020 while the branch count fell by 13.0%. It produces $22.8B of output, ranking #199 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$22.8B
#199 of 1,523
Population
293,351
#251 of 1,523
GDP per Capita
$77,863
#145 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$7.6B
#243 of 1,523
Deposits per Capita
$26,068
#552 of 1,523
Deposits per Branch
$114M
#423 of 1,523
Competitive structure
Insured Institutions
19
#230 of 1,523
Branches per 100k Pop.
22.8
#838 of 1,523
Median Deposits per Institution
$193M
The median deposits booked by a single institution in the county. #353 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
59.9%
of county deposits held by banks with $100M to $100B in assets. #969 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Moderate
51%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2020 to 2025)-7.7% over 5 years
$8.3B
2020
$8.5B
2021
$7.6B
2022
$7.2B
2023
$7.3B
2024
$7.6B
2025

Branches: 77 in 2020 to 67 in 2025. Institutions: 16 to 19. Top-three share: 41% to 51%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
First National Bank of Pennsylvania$1.5B20.2%6+42%
Mid Penn Bank$1.5B19.9%11+52%
Manufacturers and Traders Trust Company$839M11.0%9-30%
PNC Bank$766M10.0%4+9%
Fulton Bank$680M8.9%6-18%
Wells Fargo Bank$611M8.0%4-45%
Citizens Bank$392M5.1%4-36%
First Commonwealth Bank$243M3.2%2no 2020 presence
Truist Bank$218M2.8%6-50%
Santander Bank$193M2.5%3-6%
LinkBank$157M2.1%2+7%
Orrstown Bank$138M1.8%1+56%
S&T Bank$113M1.5%2-41%
Bank of Bird-in-Hand$79M1.0%1no 2020 presence
Northwest Bank$57M0.7%1-5%
JPMorgan Chase Bank$46M0.6%2no 2020 presence
Farmers and Merchants Trust Company of Chambersburg$41M0.5%1no 2020 presence
Pennian Bank$10M0.1%1no 2020 presence
Wilmington Savings Fund Society, FSB$0M0.0%1no 2020 presence

The 19 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 Harrisburg-York-Lebanon market

Dauphin 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 30.8% of the market’s output and holds 22.1% of its deposits.

MeasureDauphin CountyShare of parent market
2024 GDP$22.8B30.8%
Deposits$7.6B22.1%
Population293,35121.8%

View the full Harrisburg-York-Lebanon market profile →

Recruiting in Dauphin 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 Dauphin County.

See how we help banks recruit commercial banking talent