Lancaster, PA, a Metropolitan Statistical Area, holds $17.7 billion in deposits across 24 insured institutions and 150 branches, ranking #96 of 293 U.S. markets by economic output. Fulton Bank is the largest deposit holder at 28.4% share. The top three institutions hold 52.8% of deposits, which places the market in the moderate band. Deposits have grown 25.3% since 2020 while the branch count fell by 13.8%.
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
Branches: 174 in 2020 to 150 in 2025. Institutions: 22 to 24. Top-three share: 56.7% to 52.8%. Deposits per branch: $118M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Fulton Bank | $5.0B | 28.4% | +25% |
| Truist Bank | $2.6B | 14.5% | +16% |
| The Ephrata National Bank | $1.8B | 10.0% | +70% |
| PNC Bank | $1.7B | 9.5% | -5% |
| Bank of Bird-in-Hand | $1.3B | 7.1% | +176% |
| Wells Fargo Bank | $1.0B | 5.8% | 0% |
| Manufacturers and Traders Trust Company | $0.7B | 3.7% | +17% |
| First National Bank of Pennsylvania | $0.5B | 3.0% | +40% |
| Northwest Bank | $0.5B | 2.8% | -18% |
| Univest Bank and Trust Co. | $0.5B | 2.8% | +37% |
| Orrstown Bank | $429M | 2.4% | +121% |
| S&T Bank | $370M | 2.1% | -5% |
| Citizens Bank | $354M | 2.0% | 0% |
| Santander Bank | $291M | 1.6% | -10% |
| Mid Penn Bank | $218M | 1.2% | +210% |
| LinkBank | $148M | 0.8% | no 2020 presence |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $130M | 0.7% | +30% |
| Presence Bank | $119M | 0.7% | +25% |
| First Citizens Community Bank | $66M | 0.4% | +98% |
| ACNB Bank | $38M | 0.2% | no 2020 presence |
| First Commonwealth Bank | $34M | 0.2% | no 2020 presence |
| Citizens & Northern Bank | $15M | 0.1% | no 2020 presence |
| JPMorgan Chase Bank | $14M | 0.1% | no 2020 presence |
| Woodforest National Bank | $2M | 0.0% | +5% |
The 24 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
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Lancaster County | Pennsylvania | $30.7B | 563,159 | 100.0% | 100.0% |
Recruiting in the Lancaster market
Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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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