Lancaster County, Pennsylvania, a core county of the Lancaster, PA market, holds $17.7B in deposits across 24 insured institutions and 150 branches. Fulton Bank, National Association is the largest deposit holder at 28.4% share. The top three institutions hold 52.8% of deposits, which places the county in the moderately concentrated band. Deposits have grown 25.3% since 2020 while the branch count fell by 24. It produces $30.7B of output, ranking #155 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 174 in 2020 to 150 in 2025. Institutions: 22 to 24. Top-three share: 56.7% to 52.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Fulton Bank, National Association | $5.0B | 28.4% | +25% |
| Truist Bank | $2.6B | 14.5% | +16% |
| The Ephrata National Bank | $1.8B | 10.0% | +70% |
| PNC Bank, National Association | $1.7B | 9.5% | -5% |
| Bank of Bird-in-Hand | $1.3B | 7.1% | +176% |
| Wells Fargo Bank, National Association | $1.0B | 5.8% | 0% |
| Manufacturers and Traders Trust Company | $652M | 3.7% | +17% |
| First National Bank of Pennsylvania | $525M | 3.0% | +40% |
| Northwest Bank | $491M | 2.8% | -18% |
| Univest Bank and Trust Co. | $489M | 2.8% | +37% |
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 Lancaster market
Lancaster County is the only county in the Lancaster, PA market, a Metropolitan Statistical Area (ranked #96 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.
| Measure | Lancaster County | Share of Lancaster market |
|---|---|---|
| 2024 GDP | $30.7B | 100.0% |
| Deposits | $17.7B | 100.0% |
| Population | 563,159 | 100.0% |
View the full Lancaster market profile →
Recruiting in Lancaster 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 Lancaster County, on a retained basis.
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