York County, Pennsylvania, a core county of the Harrisburg-York-Lebanon, PA market, holds $9.4B in deposits across 15 insured institutions and 91 branches. Manufacturers and Traders Trust Company is the largest deposit holder at 28.1% share. The top three banks hold 56% of deposits, which places the county in the Moderate band. Deposits have fallen 9.0% since 2021 while the branch count fell by 19.5%. It produced $22.1B of real gross domestic product in 2024, ranking #206 of the 1,523 ranked counties by economic output.
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
Branches: 113 in 2021 to 91 in 2026. Institutions: 14 to 15. Top-three share: 53% to 56%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $2.7B | 28.1% | +1% |
| Orrstown Bank | $1.4B | 14.6% | -9% |
| Fulton Bank | $1.3B | 13.4% | -5% |
| Truist Bank | $905M | 9.6% | -25% |
| ACNB Bank | $772M | 8.2% | -12% |
| PNC Bank | $696M | 7.4% | 0% |
| Wells Fargo Bank | $609M | 6.4% | -4% |
| Santander Bank | $454M | 4.8% | -19% |
| First National Bank of Pennsylvania | $393M | 4.2% | -35% |
| Citizens Bank | $170M | 1.8% | -20% |
| Northwest Bank | $77M | 0.8% | -37% |
| Citizens & Northern Bank | $45M | 0.5% | no 2021 presence |
| Univest Bank and Trust Co. | $27M | 0.3% | +772% |
| Woodforest National Bank | $9M | 0.1% | +10% |
| Wilmington Trust | $0M | 0.0% | no 2021 presence |
The 15 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 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 27.3% of its deposits.
| Measure | York County | Share of parent market |
|---|---|---|
| 2024 GDP | $22.1B | 29.8% |
| Deposits | $9.4B | 27.3% |
| 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.
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