Market Intelligence

Philadelphia-Reading-Camden, PA-NJ-DE-MD

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Philadelphia-Reading-Camden, PA-NJ-DE-MD

Philadelphia-Reading-Camden, PA-NJ-DE-MD, a Combined Statistical Area, holds $727.6 billion in deposits across 98 insured institutions and 1,582 branches, and ranks #11 of 293 U.S. markets by economic output. Capital One is the largest deposit holder at 43.0% share. The top three banks hold 61% of deposits, which places the market in the Concentrated band. Deposits have grown 12.3% since 2021 while the branch count fell by 13.2%.

Economic scale
2024 Real GDP
$522.7B
#11 of 293
Population
7.49M
#9 of 293
GDP per Capita
$69,751
#37 of 293
Deposit market
Deposits (SOD, 6/30/26)
$727.6B
#7 of 293
Deposits per Capita
$97,102
#5 of 293
Deposits per Branch
$460M
#6 of 293
Competitive structure
Insured Institutions
98
#10 of 293
Branches per 100k Pop.
21.1
#182 of 293
Median Deposits per Institution
$342M
The median deposits booked by a single institution in the market. #69 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
20.6%
of market deposits held by banks with $100M to $100B in assets. #278 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: Concentrated
61%
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) +12.3% over 5 years
$647.7B
2021
$641.8B
2022
$641.3B
2023
$651.0B
2024
$688.1B
2025
$727.6B
2026

Branches: 1,822 in 2021 to 1,582 in 2026. Institutions: 119 to 98. Top-three share: 59% to 61%. Average deposits per branch: $460M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
Capital One$312.9B43.0%2+82%
TD Bank$95.1B13.1%131-45%
Wells Fargo Bank$37.3B5.1%149-6%
Barclays Bank Delaware$35.3B4.9%1+67%
PNC Bank$32.3B4.4%142-5%
Bank of America$27.4B3.8%87+3%
TD Bank USA$27.2B3.7%1+12%
Citizens Bank$23.9B3.3%145+4%
Manufacturers and Traders Trust Company$18.9B2.6%54+108%
Wilmington Savings Fund Society, FSB$18.5B2.5%85+15%
Santander Bank$13.5B1.8%53-19%
Fulton Bank$10.0B1.4%85-7%
Truist Bank$9.7B1.3%79+1%
Customers Bank$8.9B1.2%5+14%
Univest Bank and Trust Co.$6.3B0.9%38+28%
Firstrust Savings Bank$4.5B0.6%16+9%
OceanFirst Bank$4.2B0.6%15+6%
Comenity Bank$4.0B0.6%1+22%
JPMorgan Chase Bank$4.0B0.5%91+245%
Penn Community Bank$2.4B0.3%20+15%
Meridian Bank$2.2B0.3%6+54%
KeyBank$2.1B0.3%32-26%
Mid Penn Bank$2.1B0.3%23+12%
Parke Bank$1.8B0.2%7+2%
QNB Bank$1.8B0.2%12+15%
Tompkins Community Bank$1.6B0.2%17+2%
Columbia Bank$1.1B0.2%8+41%
Sturdy Savings Bank$1.0B0.1%13+2%
First National Bank and Trust Company of Newtown$1.0B0.1%14-10%
First Bank$942M0.1%12-30%
S&T Bank$892M0.1%14-17%
Newfield National Bank$785M0.1%9-2%
The Bank of Princeton$755M0.1%16-9%
First Resource Bank$750M0.1%3+90%
Harleysville Bank$719M0.1%7-1%
First Citizens Community Bank$695M0.1%15-6%
First National Bank of Pennsylvania$641M0.1%5+13%
Phoenixville Federal Bank and Trust$559M0.1%7+10%
Crest Savings Bank$517M0.1%8+2%
Artisans' Bank$512M0.1%10+2%
Century Savings Bank$490M0.1%6-5%
Asian Bank$457M0.1%3+107%
Citizens & Northern Bank$446M0.1%4-21%
Hatboro Federal Savings, FA$444M0.1%4-1%
Quaint Oak Bank$430M0.1%2+37%
Ambler Savings Bank$425M0.1%6+8%
Fleetwood Bank$381M0.1%7+22%
The First National Bank of Elmer$365M0.1%6+7%
Haddon Savings Bank$351M<0.1%2+3%
United Savings Bank$332M<0.1%6+5%
Stifel Trust Company Delaware$302M<0.1%1+1%
Franklin Bank$301M<0.1%7+6%
Shore United Bank$288M<0.1%3+50%
The Ephrata National Bank$264M<0.1%5+15%
Hyperion Bank$253M<0.1%1+76%
The Pennsville National Bank$252M<0.1%5+12%
1st Bank of Sea Isle City$251M<0.1%3-8%
Applied Bank$226M<0.1%1+36%
Wayne Bank$220M<0.1%2+14%
Iron Workers Savings Bank$192M<0.1%3+9%
The National Bank of Malvern$187M<0.1%2+12%
Peoples Security Bank and Trust Company$178M<0.1%2+24%
The First National Bank of Absecon$176M<0.1%4+13%
Woori America Bank$162M<0.1%1+48%
BNY Mellon Trust of Delaware$150M<0.1%1+180%
Millville Savings Bank$149M<0.1%2+14%
Sharon Bank$147M<0.1%5-11%
Provident Bank$140M<0.1%2+10%
The Haverford Trust Company$129M<0.1%1-11%
The Northern Trust Company$115M<0.1%1no 2021 presence
Burke & Herbert Bank & Trust Company$99M<0.1%1-60%
Monroe Savings Bank$87M<0.1%2+14%
County Savings Bank$82M<0.1%3-8%
CNB Bank$81M<0.1%3-43%
Tioga-Franklin Savings Bank$67M<0.1%1+37%
First Commerce Bank$66M<0.1%1+87%
Port Richmond Savings$61M<0.1%10%
Harford Bank$58M<0.1%2+33%
United Bank of Philadelphia$40M<0.1%2-29%
Bank of Bird-in-Hand$32M<0.1%2no 2021 presence
Abacus Federal Savings Bank$26M<0.1%1+5%
Second Federal Savings and Loan Association of Philadelphia$25M<0.1%1+40%
Beal Bank USA$23M<0.1%1+54%
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania$19M<0.1%1+346%
Woodforest National Bank$15M<0.1%4-26%
Crown Bank$10M<0.1%1-33%
FSNB$8M<0.1%2-37%
The Philadelphia Trust Company$6M<0.1%1+2%
Deutsche Bank Trust Company Delaware$3M<0.1%1+1%
SEI Private Trust Company$0M<0.1%10%
HSBC Trust Company (Delaware)$0M<0.1%10%
Wilmington Trust<$1M<0.1%6-100%
The Bank of New York Mellon Trust Company$0M0.0%1no 2021 presence
Fidelity Personal Trust Company, FSB$0M0.0%1no 2021 presence
Cross River Bank$0M0.0%1no 2021 presence
Citibank$0M0.0%1no 2021 presence
BNY Mellon$0M0.0%2no 2021 presence
CIBC National Trust Company$0M0.0%1no 2021 presence

The 98 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
Philadelphia CountyPennsylvania$109.4B1,574,28120.9%10.3%
Montgomery CountyPennsylvania$90.0B877,64317.2%5.3%
New Castle CountyDelaware$58.4B588,02611.2%64.8%
Chester CountyPennsylvania$49.5B557,1169.5%2.2%
Bucks CountyPennsylvania$38.2B647,8287.3%3.6%
Delaware CountyPennsylvania$34.1B580,9376.5%2.2%
Burlington CountyNew Jersey$32.4B481,4396.2%2.0%
Camden CountyNew Jersey$27.2B535,7995.2%2.1%
Berks CountyPennsylvania$20.9B440,0724.0%3.1%
Atlantic CountyNew Jersey$15.1B278,6572.9%1.0%
Gloucester CountyNew Jersey$14.7B312,6382.8%1.3%
Kent CountyDelaware$9.1B194,7861.7%0.4%
Cumberland CountyNew Jersey$6.5B157,1481.2%0.7%
Cape May CountyNew Jersey$6.0B93,3901.1%0.6%
Salem CountyNew Jersey$5.7B66,2801.1%0.2%
Cecil CountyMaryland$5.4B107,1311.0%0.2%

Recruiting in the Philadelphia-Reading-Camden market

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. 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 Delaware, Maryland, 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.