Market Intelligence

Westmoreland County, PA

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

Westmoreland County, Pennsylvania, a core county of the Pittsburgh-Weirton-Steubenville, PA-OH-WV market, holds $10.4B in deposits across 22 insured institutions and 113 branches. PNC Bank, National Association is the largest deposit holder at 25.9% share. The top three banks hold 52% of deposits, which places the county in the Moderate band. Deposits have grown 14.6% since 2020 while the branch count fell by 10.3%. It produces $15.2B of output, ranking #266 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$15.2B
#266 of 1,523
Population
349,324
#216 of 1,523
GDP per Capita
$43,422
#781 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$10.4B
#199 of 1,523
Deposits per Capita
$29,632
#402 of 1,523
Deposits per Branch
$92M
#721 of 1,523
Competitive structure
Insured Institutions
22
#190 of 1,523
Branches per 100k Pop.
32.3
#392 of 1,523
Median Deposits per Institution
$128M
The median deposits booked by a single institution in the county. #661 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
59.0%
of county deposits held by banks with $100M to $100B in assets. #985 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
52%
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)+14.6% over 5 years
$9.0B
2020
$9.9B
2021
$10.2B
2022
$10.1B
2023
$10.1B
2024
$10.4B
2025

Branches: 126 in 2020 to 113 in 2025. Institutions: 21 to 22. Top-three share: 54% to 52%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
PNC Bank$2.7B25.9%11+5%
S&T Bank$1.4B13.4%10+21%
First National Bank of Pennsylvania$1.3B12.6%12+9%
First Commonwealth Bank$1.3B12.4%15+28%
Citizens Bank$1.0B10.0%9+9%
Dollar Bank, Federal Savings Bank$617M6.0%7+75%
KeyBank$397M3.8%6+4%
Somerset Trust Company$335M3.2%15+143%
Commercial Bank and Trust of PA$300M2.9%7-13%
Mid Penn Bank$207M2.0%2+58%
Community Bank$135M1.3%1+45%
Westmoreland Federal Savings and Loan Association$122M1.2%1-8%
The Huntington National Bank$103M1.0%2+28%
CFSBank$92M0.9%2+38%
1st Summit Bank$84M0.8%3+36%
Ameriserv Financial Bank$66M0.6%20%
Nextier Bank, National Association$61M0.6%1+81%
Apollo Trust Company$56M0.5%2+17%
InFirst Bank$54M0.5%2+141%
JPMorgan Chase Bank$19M0.2%1no 2020 presence
Compass Savings Bank$14M0.1%1no 2020 presence
Woodforest National Bank$4M<0.1%1-15%

The 22 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 Pittsburgh-Weirton-Steubenville market

Westmoreland County is one of 13 counties that make up the Pittsburgh-Weirton-Steubenville, PA-OH-WV market, a Combined Statistical Area (ranked #30 of 293 U.S. markets by economic output). It produces 8.5% of the market’s output and holds 4.7% of its deposits.

MeasureWestmoreland CountyShare of parent market
2024 GDP$15.2B8.5%
Deposits$10.4B4.7%
Population349,32412.8%

View the full Pittsburgh-Weirton-Steubenville market profile →

Recruiting in Westmoreland 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 Westmoreland County.

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