Market Intelligence

Lehigh County, PA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Lehigh County, Pennsylvania, a core county of the Allentown-Bethlehem-East Stroudsburg, PA-NJ market, holds $10.5B in deposits across 24 insured institutions and 82 branches. Wells Fargo Bank is the largest deposit holder at 22.4% share. The top three banks hold 39% of deposits, which places the county in the Fragmented band. Deposits have fallen 3.4% since 2021 while the branch count fell by 7.9%. It produced $25.4B of real gross domestic product in 2024, ranking #182 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$25.4B
#182 of 1,523
Population
384,383
#201 of 1,523
GDP per Capita
$66,188
#245 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$10.5B
#202 of 1,523
Deposits per Capita
$27,235
#525 of 1,523
Deposits per Branch
$128M
#333 of 1,523
Competitive structure
Insured Institutions
24
#153 of 1,523
Branches per 100k Pop.
21.3
#908 of 1,523
Median Deposits per Institution
$298M
The median deposits booked by a single institution in the county. #165 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
46.8%
of county deposits held by banks with $100M to $100B in assets. #1,106 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: Fragmented
39%
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, 2021 to 2026)-3.4% over 5 years
$10.8B
2021
$11.0B
2022
$10.3B
2023
$10.3B
2024
$10.3B
2025
$10.5B
2026

Branches: 89 in 2021 to 82 in 2026. Institutions: 22 to 24. Top-three share: 47% to 39%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Wells Fargo Bank$2.3B22.4%13-19%
American Bank$915M8.7%1+49%
Truist Bank$821M7.8%10-44%
PNC Bank$769M7.3%5+38%
Fulton Bank$743M7.1%5+17%
Bank of America$733M7.0%4-6%
Embassy Bank for the Lehigh Valley$702M6.7%6+18%
New Tripoli Bank$600M5.7%3+28%
TD Bank$420M4.0%2-9%
Peoples Security Bank and Trust Company$328M3.1%2+78%
Community Bank$325M3.1%6no 2021 presence
QNB Bank$312M3.0%3+38%
The Neffs National Bank$284M2.7%1-18%
KeyBank$277M2.6%3-31%
Firstrust Savings Bank$172M1.6%1+20%
CNB Bank$166M1.6%3-15%
Quaint Oak Bank$127M1.2%1+10%
Manufacturers and Traders Trust Company$126M1.2%2-29%
Penn Community Bank$78M0.7%2no 2021 presence
JPMorgan Chase Bank$71M0.7%4no 2021 presence
Provident Bank$56M0.5%2-34%
Univest Bank and Trust Co.$42M0.4%1+3%
First Northern Bank and Trust Company$29M0.3%1-21%
Mid Penn Bank$24M0.2%1+115%

The 24 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 Allentown-Bethlehem-East Stroudsburg market

Lehigh County is one of 5 counties that make up the Allentown-Bethlehem-East Stroudsburg, PA-NJ market, a Combined Statistical Area (ranked #67 of 293 U.S. markets by economic output). It produces 44.9% of the market’s output and holds 39.6% of its deposits.

MeasureLehigh CountyShare of parent market
2024 GDP$25.4B44.9%
Deposits$10.5B39.6%
Population384,38336.4%

View the full Allentown-Bethlehem-East Stroudsburg market profile →

Recruiting in Lehigh County

Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Lehigh County.

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