Lycoming County, Pennsylvania, a core county of the Williamsport-Lock Haven, PA market, holds $3.1B in deposits across 11 insured institutions and 44 branches. Jersey Shore State Bank is the largest deposit holder at 21.5% share. The top three institutions hold 54.1% of deposits, which places the county in the moderately concentrated band. Deposits have grown 13.8% since 2020 while the branch count fell by 4. It produces $6.1B of output, ranking #525 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 48 in 2020 to 44 in 2025. Institutions: 13 to 11. Top-three share: 51.8% to 54.1%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Jersey Shore State Bank | $658M | 21.5% | +11% |
| Woodlands Bank | $522M | 17.1% | +31% |
| Journey Bank | $477M | 15.6% | no 2020 presence |
| Manufacturers and Traders Trust Company | $434M | 14.2% | +29% |
| Citizens & Northern Bank | $305M | 9.9% | +52% |
| First Commonwealth Bank | $242M | 7.9% | +15% |
| Truist Bank | $181M | 5.9% | -29% |
| First National Bank of Pennsylvania | $117M | 3.8% | -17% |
| PNC Bank, National Association | $92M | 3.0% | +2% |
| Susquehanna Community Bank | $22M | 0.7% | +158% |
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 Williamsport-Lock Haven market
Lycoming County is one of 2 counties that make up the Williamsport-Lock Haven, PA market, a Combined Statistical Area (ranked #230 of 293 U.S. markets by economic output). It produces 79.5% of the market’s output and holds 81.0% of its deposits.
| Measure | Lycoming County | Share of Williamsport-Lock Haven market |
|---|---|---|
| 2024 GDP | $6.1B | 79.5% |
| Deposits | $3.1B | 81.0% |
| Population | 112,587 | 74.8% |
See the Williamsport-Lock Haven market in Market Intelligence →
Recruiting in Lycoming 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 Lycoming County, on a retained basis.
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