Salisbury-Ocean Pines, MD holds $5.1 billion in deposits across 15 insured institutions and 69 branches, ranking #196 of 293 U.S. markets by economic output. PNC Bank is the largest deposit holder at 15.2% share. The top three institutions hold 38.3% of deposits, which places the market in the fragmented band. Deposits have grown 12% since 2020 while the branch count fell by 12.
Deposit trend
Branches: 81 in 2020 to 69 in 2025. Institutions: 14 to 15. Top-three share: 40.2% to 38.3%. Deposits per branch: $74M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| PNC Bank | 0.8B | 15.2% | -4% |
| Calvin B. Taylor Banking Company of Berlin, Maryland | 0.7B | 13.0% | +35% |
| Bank of Ocean City | 0.5B | 10.1% | +42% |
| Hebron Savings Bank | 0.5B | 10.0% | +13% |
| Truist Bank | 0.5B | 9.6% | -7% |
| Bank of America | 0.5B | 9.3% | +16% |
| Manufacturers and Traders Trust Company | 0.4B | 8.5% | +28% |
| The Farmers Bank of Willards | 0.4B | 8.2% | +27% |
| LINKBANK | 0.4B | 7.7% | new since 2020 |
| First Shore Federal Savings and Loan Association | 0.3B | 5.5% | +12% |
The 10 largest of 15 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 |
|---|---|---|---|---|
| Wicomico County | Maryland | $5,609M | 106,899 | 57.8% |
| Worcester County | Maryland | $3,142M | 54,459 | 32.4% |
| Somerset County | Maryland | $954M | 24,973 | 9.8% |
Recruiting in Salisbury
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. 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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