Market Intelligence

Warren County, NJ

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Warren County, New Jersey, a core county of the Allentown-Bethlehem-East Stroudsburg, PA-NJ market, holds $3.4B in deposits across 10 insured institutions and 24 branches. PNC Bank is the largest deposit holder at 32.9% share. The top three banks hold 54% of deposits, which places the county in the Moderate band. Deposits have grown 13.2% since 2021 while the branch count fell by 11.1%. It produced $4.9B of real gross domestic product in 2024, ranking #605 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$4.9B
#605 of 1,523
Population
112,953
#562 of 1,523
GDP per Capita
$43,136
#789 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$3.4B
#456 of 1,523
Deposits per Capita
$30,512
#397 of 1,523
Deposits per Branch
$144M
#223 of 1,523
Competitive structure
Insured Institutions
10
#725 of 1,523
Branches per 100k Pop.
21.2
#914 of 1,523
Median Deposits per Institution
$271M
The median deposits booked by a single institution in the county. #197 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
39.1%
of county deposits held by banks with $100M to $100B in assets. #1,204 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: Moderate
54%
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, 2021 to 2026)+13.2% over 5 years
$3.0B
2021
$3.2B
2022
$3.2B
2023
$3.3B
2024
$3.3B
2025
$3.4B
2026

Branches: 27 in 2021 to 24 in 2026. Institutions: 10 to 10. Top-three share: 59% to 54%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
PNC Bank$1.1B32.9%6+4%
Wells Fargo Bank$383M11.1%2+2%
Fulton Bank$355M10.3%3+41%
First Hope Bank$333M9.7%3+2%
Valley National Bank$300M8.7%3+49%
Unity Bank$242M7.0%2+115%
Bank of America$228M6.6%1-26%
JPMorgan Chase Bank$226M6.6%2+30%
TD Bank$126M3.7%1+29%
Provident Bank$118M3.4%1+14%

The 10 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 Allentown-Bethlehem-East Stroudsburg market

Warren 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 8.6% of the market’s output and holds 13.1% of its deposits.

MeasureWarren CountyShare of parent market
2024 GDP$4.9B8.6%
Deposits$3.4B13.1%
Population112,95310.7%

View the full Allentown-Bethlehem-East Stroudsburg market profile →

Recruiting in Warren 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 Warren County.

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