Market Intelligence

Harrisburg-York-Lebanon, PA

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Harrisburg-York-Lebanon, PA

Harrisburg-York-Lebanon, PA, a Combined Statistical Area, holds $34.6 billion in deposits across 31 insured institutions and 282 branches, ranking #52 of 293 U.S. markets by economic output. PNC Bank is the largest deposit holder at 18.6% share. The top three institutions hold 42.9% of deposits, which places the market in the fragmented band. Deposits have grown 9.4% since 2020 while the branch count fell by 19.9%.

Economic scale
2024 Real GDP
$74.2B
#52 of 293
Population
1.34M
#51 of 293
GDP per Capita
$55,183
#125 of 293
Deposit market
Total Deposits
$34.6B
#59 of 293
Deposits per Capita
$25,733
#163 of 293
Deposits per Branch
$123M
#94 of 293
Competitive structure
Insured Institutions
31
#85 of 293
Branches per 100k Pop.
21.0
#186 of 293
Median Deposits per Institution
$477M
The median deposits booked by a single institution in the market. #27 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
50.9%
of market deposits held by banks with $100M to $50B in assets. #166 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
42.9%
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 +9.4% over 5 years
$31.7B
2020
$35.6B
2021
$35.4B
2022
$33.6B
2023
$33.8B
2024
$34.6B
2025

Branches: 352 in 2020 to 282 in 2025. Institutions: 31 to 31. Top-three share: 42.2% to 42.9%. Deposits per branch: $123M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
PNC Bank$6.5B18.6%16+17%
Manufacturers and Traders Trust Company$5.1B14.7%47+9%
Fulton Bank$3.3B9.5%21+4%
First National Bank of Pennsylvania$2.8B8.1%17+16%
Orrstown Bank$2.7B7.7%21+157%
Mid Penn Bank$2.1B6.2%16+73%
Wells Fargo Bank$2.0B5.7%16-18%
ACNB Bank$2.0B5.7%20+59%
Truist Bank$1.3B3.8%20-15%
Santander Bank$1.1B3.2%13+2%
Citizens Bank$1.0B2.9%7-11%
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania$681M2.0%9+34%
Atlantic Community Bankers Bank$564M1.6%1+38%
Farmers and Merchants Trust Company of Chambersburg$485M1.4%9+56%
First Commonwealth Bank$477M1.4%4no 2020 presence
LinkBank$477M1.4%3+225%
S&T Bank$383M1.1%4-35%
The Bank of Landisburg$339M1.0%4+29%
Northwest Bank$322M0.9%5-14%
Pennian Bank$303M0.9%6+38%
First Citizens Community Bank$291M0.8%3+57%
Bank of Bird-in-Hand$153M0.4%2no 2020 presence
The Juniata Valley Bank$112M0.3%2+40%
The Ephrata National Bank$66M0.2%1+112%
JPMorgan Chase Bank$63M0.2%3no 2020 presence
Peoples Security Bank and Trust Company$41M0.1%1+485%
Univest Bank and Trust Co.$38M0.1%2no 2020 presence
Citizens & Northern Bank$32M0.1%1no 2020 presence
Woodforest National Bank$16M0.0%6+21%
Wilmington Savings Fund Society, FSB$0M0.0%1no 2020 presence
Wilmington Trust$0M0.0%1no 2020 presence

The 31 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
Dauphin CountyPennsylvania$22.8B293,35130.8%22.1%
York CountyPennsylvania$22.1B473,19729.8%27.5%
Cumberland CountyPennsylvania$18.3B277,27024.7%33.6%
Lebanon CountyPennsylvania$6.3B146,3808.4%9.2%
Adams CountyPennsylvania$3.6B107,5944.9%5.1%
Perry CountyPennsylvania$1.0B46,8061.4%2.5%

Recruiting in the Harrisburg-York-Lebanon 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 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.