Market Intelligence

Montour County, PA

Banking market profile · FDIC Summary of Deposits, June 30, 2025

Montour County, Pennsylvania, a county in the Bloomsburg-Berwick-Sunbury, PA market, holds $380M in deposits across 6 insured institutions and 7 branches. Fulton Bank, National Association is the largest deposit holder at 48.7% share. The top three institutions hold 74.8% of deposits, which places the county in the concentrated band. Deposits have grown 8.1% since 2020. It produces $2.3B of output, ranking #873 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$2.3B
#873 of 1,523
Total Deposits
$380M
#1,282 of 1,523
Population
17,868
#1,340 of 1,523
GDP per Capita
$130,054
#29 of 1,523
Insured Institutions
6
#1,105 of 1,523
Deposits per Branch
$54M
#1,334 of 1,523
Deposits per Capita
$21,273
#811 of 1,523
Branches per 100k Pop.
39.2
#225 of 1,523
Median Institution Size
$41M
Median deposits of the institutions operating in the county. #1,455 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
89.7%
of market deposits held by banks with $100M to $50B in assets. #325 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 Deposit Share: concentrated
74.8%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+8.1% over 5 years
$352M
2020
$355M
2021
$342M
2022
$332M
2023
$340M
2024
$380M
2025

Branches: 7 in 2020 to 7 in 2025. Institutions: 6 to 6. Top-three share: 82.3% to 74.8%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Fulton Bank, National Association$185M48.7%2+6%
Jersey Shore State Bank$57M15.1%1-19%
Journey Bank$42M11.1%1+279%
First Commonwealth Bank$41M10.7%1-7%
Manufacturers and Traders Trust Company$39M10.3%1+13%
First Keystone Community Bank$16M4.2%1-3%

The 6 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.

Part of the Bloomsburg-Berwick-Sunbury market

Montour County is one of 5 counties that make up the Bloomsburg-Berwick-Sunbury, PA market, a Combined Statistical Area (ranked #173 of 293 U.S. markets by economic output). It produces 19.0% of the market’s output and holds 6.4% of its deposits.

MeasureMontour CountyShare of Bloomsburg-Berwick-Sunbury market
2024 GDP$2.3B19.0%
Deposits$380M6.4%
Population17,8687.0%

View the full Bloomsburg-Berwick-Sunbury market profile →

Recruiting in Montour 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 Montour County, on a retained basis.

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