Allentown-Bethlehem-East Stroudsburg, PA-NJ holds $25.9 billion in deposits across 39 insured institutions and 232 branches, ranking #67 of 293 U.S. markets by economic output. Wells Fargo Bank is the largest deposit holder at 16.4% share. The top three institutions hold 37.9% of deposits, which places the market in the fragmented band. Deposits have grown 11% since 2020 while the branch count fell by 46.
Deposit trend
Branches: 278 in 2020 to 232 in 2025. Institutions: 39 to 39. Top-three share: 42.8% to 37.9%. Deposits per branch: $112M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Wells Fargo Bank | 4.3B | 16.4% | -5% |
| PNC Bank | 3.5B | 13.4% | +12% |
| Truist Bank | 2.1B | 8.0% | -15% |
| Fulton Bank | 2.0B | 7.6% | +11% |
| Embassy Bank for the Lehigh Valley | 1.6B | 6.2% | +39% |
| Bank of America | 1.4B | 5.5% | +4% |
| ESSA Bank & Trust | 1.3B | 5.1% | +0% |
| TD Bank | 1.0B | 4.0% | +20% |
| American Bank | 0.8B | 3.2% | +52% |
| First Northern Bank and Trust Company | 0.7B | 2.8% | +11% |
The 10 largest of 39 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Lehigh County | Pennsylvania | $25,442M | 384,383 | 44.9% |
| Northampton County | Pennsylvania | $16,418M | 324,411 | 29.0% |
| Monroe County | Pennsylvania | $7,548M | 167,179 | 13.3% |
| Warren County | New Jersey | $4,872M | 112,953 | 8.6% |
| Carbon County | Pennsylvania | $2,389M | 65,868 | 4.2% |
Recruiting in Allentown
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. 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 this one, on a retained basis.
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