Market Intelligence

Allentown-Bethlehem-East Stroudsburg, PA-NJ

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Allentown-Bethlehem-East Stroudsburg, PA-NJ

Allentown-Bethlehem-East Stroudsburg, PA-NJ, a Combined Statistical Area, 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 10.7% since 2020 while the branch count fell by 16.5%.

Economic scale
2024 Real GDP
$56.7B
#67 of 293
Population
1.05M
#63 of 293
GDP per Capita
$53,725
#142 of 293
Deposit market
Total Deposits
$25.9B
#66 of 293
Deposits per Capita
$24,555
#177 of 293
Deposits per Branch
$112M
#134 of 293
Competitive structure
Insured Institutions
39
#62 of 293
Branches per 100k Pop.
22.0
#176 of 293
Median Deposits per Institution
$310M
The median deposits booked by a single institution in the market. #78 of 293. 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
44.3%
of market deposits held by banks with $100M to $50B in assets. #186 of 293. 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 Deposit Share: fragmented
37.9%
The combined deposit share of the three largest institutions in the market. A lower share means deposits are spread across more institutions.

Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Total market deposits (nominal), 2020 to 2025 +10.7% over 5 years
$23.4B
2020
$26.3B
2021
$27.2B
2022
$25.8B
2023
$25.7B
2024
$25.9B
2025

Branches: 278 in 2020 to 232 in 2025. Institutions: 39 to 39. Top-three share: 42.8% to 37.9%. Deposits per branch: $112M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
Wells Fargo Bank$4.3B16.4%26-5%
PNC Bank$3.5B13.4%23+13%
Truist Bank$2.1B8.0%18-15%
Fulton Bank$2.0B7.6%16+11%
Embassy Bank for the Lehigh Valley$1.6B6.2%10+39%
Bank of America$1.4B5.5%8+4%
ESSA Bank & Trust$1.3B5.1%16+1%
TD Bank$1.0B4.0%6+20%
American Bank$0.8B3.2%1+52%
First Northern Bank and Trust Company$0.7B2.8%11+11%
Santander Bank$679M2.6%7+8%
New Tripoli Bank$564M2.2%3+38%
The Fidelity Deposit and Discount Bank$545M2.1%7+35%
Peoples Security Bank and Trust Company$539M2.1%4+105%
KeyBank$528M2.0%6-4%
Mauch Chunk Trust Company$468M1.8%6+54%
The Neffs National Bank$360M1.4%2+16%
First Hope Bank$332M1.3%3+14%
Unity Bank$328M1.3%4+91%
QNB Bank$310M1.2%3+55%
JPMorgan Chase Bank$295M1.1%6+115%
Provident Bank$275M1.1%4+3%
Valley National Bank$252M1.0%3+36%
Jim Thorpe Neighborhood Bank$226M0.9%6+31%
Citizens Bank$223M0.9%2-23%
First Keystone Community Bank$209M0.8%5+16%
Manufacturers and Traders Trust Company$193M0.7%5-33%
Firstrust Savings Bank$169M0.7%1+14%
Wayne Bank$139M0.5%4+21%
Quaint Oak Bank$120M0.5%1+36%
NBT Bank$114M0.4%3+23%
Community Bank$72M0.3%2+36%
Penn Community Bank$65M0.3%2no 2020 presence
Univest Bank and Trust Co.$61M0.2%2+19%
First National Bank of Pennsylvania$49M0.2%1-6%
Citizens Savings Bank$34M0.1%1+6%
Mid Penn Bank$26M0.1%1no 2020 presence
Woodforest National Bank$12M0.0%2+18%
Wilmington Trust$0M0.0%1no 2020 presence

The 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. 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Lehigh CountyPennsylvania$25.4B384,38344.9%39.9%
Northampton CountyPennsylvania$16.4B324,41129.0%29.1%
Monroe CountyPennsylvania$7.5B167,17913.3%13.9%
Warren CountyNew Jersey$4.9B112,9538.6%12.8%
Carbon CountyPennsylvania$2.4B65,8684.2%4.3%

Recruiting in the Allentown-Bethlehem-East Stroudsburg market

No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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.

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Other markets in New Jersey and Pennsylvania

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.