Lancaster County, Pennsylvania, a core county of the Lancaster, PA market, holds $18.9B in deposits across 25 insured institutions and 145 branches. Fulton Bank is the largest deposit holder at 29.4% share. The top three banks hold 54% of deposits, which places the county in the Moderate band. Deposits have grown 18.0% since 2021 while the branch count fell by 12.1%. It produced $30.7B of real gross domestic product in 2024, 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: 165 in 2021 to 145 in 2026. Institutions: 23 to 25. Top-three share: 56% to 54%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Fulton Bank | $5.5B | 29.4% | +25% |
| Truist Bank | $3.0B | 16.0% | +19% |
| PNC Bank | $1.7B | 9.1% | -10% |
| The Ephrata National Bank | $1.7B | 8.9% | +31% |
| Bank of Bird-in-Hand | $1.5B | 7.7% | +162% |
| Wells Fargo Bank | $1.0B | 5.5% | -8% |
| Manufacturers and Traders Trust Company | $671M | 3.6% | +13% |
| Northwest Bank | $568M | 3.0% | -14% |
| Univest Bank and Trust Co. | $515M | 2.7% | +16% |
| First National Bank of Pennsylvania | $499M | 2.6% | +9% |
| S&T Bank | $405M | 2.1% | +2% |
| Orrstown Bank | $403M | 2.1% | +12% |
| Citizens Bank | $346M | 1.8% | +1% |
| Santander Bank | $227M | 1.2% | -35% |
| Mid Penn Bank | $202M | 1.1% | +70% |
| Wayne Bank | $134M | 0.7% | +18% |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $117M | 0.6% | -12% |
| Burke & Herbert Bank & Trust Company | $105M | 0.6% | +13% |
| First Citizens Community Bank | $61M | 0.3% | +24% |
| ACNB Bank | $51M | 0.3% | +501% |
| JPMorgan Chase Bank | $38M | 0.2% | no 2021 presence |
| First Commonwealth Bank | $38M | 0.2% | +48% |
| Peoples Security Bank and Trust Company | $35M | 0.2% | no 2021 presence |
| Citizens & Northern Bank | $13M | 0.1% | no 2021 presence |
| Woodforest National Bank | $2M | <0.1% | -16% |
The 25 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 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 | $18.9B | 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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