Monroe County, Pennsylvania, a core county of the Allentown-Bethlehem-East Stroudsburg, PA-NJ market, holds $3.6B in deposits across 14 insured institutions and 42 branches. ESSA Bank & Trust is the largest deposit holder at 26.8% share. The top three institutions hold 63.4% of deposits, which places the county in the concentrated band. Deposits have grown 10.9% since 2020 while the branch count fell by 4. It produces $7.5B of output, ranking #440 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 46 in 2020 to 42 in 2025. Institutions: 15 to 14. Top-three share: 63.6% to 63.4%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| ESSA Bank & Trust | $959M | 26.8% | +3% |
| PNC Bank, National Association | $901M | 25.1% | +11% |
| Wells Fargo Bank, National Association | $412M | 11.5% | +31% |
| First Northern Bank and Trust Company | $323M | 9.0% | +18% |
| Citizens Bank, National Association | $223M | 6.2% | +7% |
| First Keystone Community Bank | $196M | 5.5% | +9% |
| Wayne Bank | $139M | 3.9% | +21% |
| NBT Bank, National Association | $114M | 3.2% | +23% |
| Peoples Security Bank and Trust Company | $89M | 2.5% | +30% |
| Truist Bank | $74M | 2.1% | +39% |
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 Allentown-Bethlehem-East Stroudsburg market
Monroe 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 13.3% of the market’s output and holds 13.9% of its deposits.
| Measure | Monroe County | Share of Allentown-Bethlehem-East Stroudsburg market |
|---|---|---|
| 2024 GDP | $7.5B | 13.3% |
| Deposits | $3.6B | 13.9% |
| Population | 167,179 | 15.8% |
View the full Allentown-Bethlehem-East Stroudsburg market profile →
Recruiting in Monroe County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Monroe County, on a retained basis.
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