York County, Pennsylvania, a core county of the Harrisburg-York-Lebanon, PA market, holds $9.5B in deposits across 15 insured institutions and 91 branches. Manufacturers and Traders Trust Company is the largest deposit holder at 28.2% share. The top three institutions hold 55.2% of deposits, which places the county in the moderately concentrated band. Deposits have grown 5.5% since 2020 while the branch count fell by 27. It produces $22.1B of output, ranking #206 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 118 in 2020 to 91 in 2025. Institutions: 13 to 15. Top-three share: 53.8% to 55.2%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $2.7B | 28.2% | +16% |
| Orrstown Bank | $1.4B | 14.6% | no 2020 presence |
| Fulton Bank, National Association | $1.2B | 12.5% | +1% |
| Truist Bank | $890M | 9.3% | +18% |
| ACNB Bank | $828M | 8.7% | +269% |
| PNC Bank, National Association | $679M | 7.1% | +8% |
| Wells Fargo Bank, National Association | $576M | 6.0% | +1% |
| Santander Bank, N.A. | $460M | 4.8% | -12% |
| First National Bank of Pennsylvania | $393M | 4.1% | -30% |
| Citizens Bank, National Association | $298M | 3.1% | +19% |
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 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 Harrisburg-York-Lebanon market
York County is one of 6 counties that make up the Harrisburg-York-Lebanon, PA market, a Combined Statistical Area (ranked #52 of 293 U.S. markets by economic output). It produces 29.8% of the market’s output and holds 27.5% of its deposits.
| Measure | York County | Share of Harrisburg-York-Lebanon market |
|---|---|---|
| 2024 GDP | $22.1B | 29.8% |
| Deposits | $9.5B | 27.5% |
| Population | 473,197 | 35.2% |
View the full Harrisburg-York-Lebanon market profile →
Recruiting in York 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 York County, on a retained basis.
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