Market Intelligence

Montour County, PA

Banking market profile · FDIC Summary of Deposits (SOD), 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 banks hold 75% 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 ranked counties by economic output.

Economic scale
2024 Real GDP
$2.3B
#873 of 1,523
Population
17,868
#1,340 of 1,523
GDP per Capita
$130,054
#29 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$380M
#1,282 of 1,523
Deposits per Capita
$21,273
#811 of 1,523
Deposits per Branch
$54M
#1,334 of 1,523
Competitive structure
Insured Institutions
6
#1,105 of 1,523
Branches per 100k Pop.
39.2
#225 of 1,523
Median Deposits per Institution
$41M
The median deposits booked by a single institution in the county. #1,455 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
89.7%
of county deposits held by banks with $100M to $100B in assets. #394 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: Concentrated
75%
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, 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% to 75%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Fulton Bank$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, 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 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 parent 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.

See how we help banks recruit commercial banking talent