Lancaster, PA 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% since 2020 while the branch count fell by 24.
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.
Leading 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% |
The 10 largest of 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; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Lancaster County | Pennsylvania | $30,749M | 563,159 | 100.0% |
Recruiting in Lancaster
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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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