Market Intelligence

Harrisburg-York-Lebanon, PA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
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 278 branches, and ranks #52 of 293 U.S. markets by economic output. PNC Bank is the largest deposit holder at 17.4% share. The top three banks hold 42% of deposits, which places the market in the Fragmented band.

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
Deposits (SOD, 6/30/26)
$34.6B
#59 of 293
Deposits per Capita
$25,726
#167 of 293
Deposits per Branch
$124M
#98 of 293
Competitive structure
Insured Institutions
31
#84 of 293
Branches per 100k Pop.
20.7
#189 of 293
Median Deposits per Institution
$399M
The median deposits booked by a single institution in the market. #41 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 $100B in assets. #188 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 Banks’ Deposit Share: Fragmented
42%
The combined deposit share of the top three banks by deposits 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

Market Deposits (SOD, 2021 to 2026) -2.8% over 5 years
$35.6B
2021
$35.4B
2022
$33.6B
2023
$33.8B
2024
$34.6B
2025
$34.6B
2026

Branches: 326 in 2021 to 278 in 2026. Institutions: 32 to 31. Top-three share: 43% to 42%. Average deposits per branch: $124M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
PNC Bank$6.0B17.4%15-8%
Manufacturers and Traders Trust Company$5.1B14.7%46-6%
Fulton Bank$3.4B9.7%19-3%
Orrstown Bank$2.8B8.1%21+6%
First National Bank of Pennsylvania$2.8B8.1%17+10%
Wells Fargo Bank$2.1B6.0%15-22%
Mid Penn Bank$1.9B5.6%16+8%
ACNB Bank$1.9B5.5%20-8%
Truist Bank$1.4B3.9%20-21%
Citizens Bank$1.2B3.6%7+19%
Santander Bank$1.1B3.1%12-5%
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania$698M2.0%9+24%
Atlantic Community Bankers Bank$566M1.6%1+20%
Farmers and Merchants Trust Company of Chambersburg$559M1.6%9+68%
First Commonwealth Bank$441M1.3%4-44%
S&T Bank$399M1.2%4-35%
The Bank of Landisburg$348M1.0%4+19%
Northwest Bank$319M0.9%5-20%
Burke & Herbert Bank & Trust Company$317M0.9%3-18%
First Citizens Community Bank$308M0.9%3+38%
Pennian Bank$287M0.8%6+7%
Bank of Bird-in-Hand$195M0.6%2no 2021 presence
The Juniata Valley Bank$114M0.3%2+27%
JPMorgan Chase Bank$107M0.3%5no 2021 presence
The Ephrata National Bank$72M0.2%1+76%
Peoples Security Bank and Trust Company$52M0.1%1+240%
Univest Bank and Trust Co.$46M0.1%2+1,362%
Citizens & Northern Bank$45M0.1%1no 2021 presence
Woodforest National Bank$17M<0.1%6+5%
Wilmington Savings Fund Society, FSB$0M0.0%1no 2021 presence
Wilmington Trust$0M0.0%1no 2021 presence

The 31 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 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%23.6%
York CountyPennsylvania$22.1B473,19729.8%27.3%
Cumberland CountyPennsylvania$18.3B277,27024.7%32.2%
Lebanon CountyPennsylvania$6.3B146,3808.4%9.2%
Adams CountyPennsylvania$3.6B107,5944.9%5.1%
Perry CountyPennsylvania$1.0B46,8061.4%2.6%

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.

See how we help banks recruit commercial banking talent

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.