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 banks hold 53% of deposits, which places the county in the Moderate band. Deposits have grown 25.3% since 2020 while the branch count fell by 13.8%. It produces $30.7B of output, ranking #155 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: 174 in 2020 to 150 in 2025. Institutions: 22 to 24. Top-three share: 57% to 53%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Fulton Bank | $5.0B | 28.4% | +25% |
| Truist Bank | $2.6B | 14.5% | +16% |
| The Ephrata National Bank | $1.8B | 10.0% | +70% |
| PNC Bank | $1.7B | 9.5% | -5% |
| Bank of Bird-in-Hand | $1.3B | 7.1% | +176% |
| Wells Fargo Bank | $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% |
| Orrstown Bank | $429M | 2.4% | +121% |
| S&T Bank | $370M | 2.1% | -5% |
| Citizens Bank | $354M | 2.0% | 0% |
| Santander Bank | $291M | 1.6% | -10% |
| Mid Penn Bank | $218M | 1.2% | +210% |
| LinkBank | $148M | 0.8% | no 2020 presence |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $130M | 0.7% | +30% |
| Presence Bank | $119M | 0.7% | +25% |
| First Citizens Community Bank | $66M | 0.4% | +98% |
| ACNB Bank | $38M | 0.2% | no 2020 presence |
| First Commonwealth Bank | $34M | 0.2% | no 2020 presence |
| Citizens & Northern Bank | $15M | 0.1% | no 2020 presence |
| JPMorgan Chase Bank | $14M | 0.1% | no 2020 presence |
| Woodforest National Bank | $2M | <0.1% | +5% |
The 24 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 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 parent 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.
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