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 banks hold 54% of deposits, which places the county in the Moderate band. Deposits have grown 13.8% since 2020 while the branch count fell by 8.3%. It produces $6.1B of output, ranking #525 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: 48 in 2020 to 44 in 2025. Institutions: 13 to 11. Top-three share: 52% to 54%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| 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 | $92M | 3.0% | +2% |
| Susquehanna Community Bank | $22M | 0.7% | +158% |
| First Citizens Community Bank | $12M | 0.4% | no 2020 presence |
The 11 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 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 parent market |
|---|---|---|
| 2024 GDP | $6.1B | 79.5% |
| Deposits | $3.1B | 81.0% |
| Population | 112,587 | 74.8% |
View the full Williamsport-Lock Haven market profile →
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.
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