Salisbury-Ocean Pines, MD, a Combined Statistical Area, holds $5.2 billion in deposits across 14 insured institutions and 69 branches, and ranks #196 of 293 U.S. markets by economic output. PNC Bank is the largest deposit holder at 15.0% share. The top three banks hold 39% of deposits, which places the market in the Fragmented band.
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: 77 in 2021 to 69 in 2026. Institutions: 14 to 14. Top-three share: 39% to 39%. Average deposits per branch: $76M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| PNC Bank | $784M | 15.0% | -9% |
| Calvin B. Taylor Banking Company of Berlin, Maryland | $692M | 13.2% | +9% |
| Hebron Savings Bank | $543M | 10.4% | +6% |
| Bank of Ocean City | $505M | 9.7% | +8% |
| Truist Bank | $503M | 9.6% | -5% |
| Bank of America | $469M | 9.0% | -2% |
| Burke & Herbert Bank & Trust Company | $438M | 8.4% | -13% |
| Manufacturers and Traders Trust Company | $426M | 8.1% | +8% |
| The Farmers Bank of Willards | $423M | 8.1% | +12% |
| First Shore Federal Savings and Loan Association | $282M | 5.4% | +6% |
| Atlantic Union Bank | $78M | 1.5% | -34% |
| Shore United Bank | $71M | 1.4% | +136% |
| Woodforest National Bank | $12M | 0.2% | +21% |
| Wilmington Trust | $0M | 0.0% | no 2021 presence |
The 14 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
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Wicomico County | Maryland | $5.6B | 106,899 | 57.8% | 44.3% |
| Worcester County | Maryland | $3.1B | 54,459 | 32.4% | 49.8% |
| Somerset County | Maryland | $954M | 24,973 | 9.8% | 6.0% |
Recruiting in the Salisbury-Ocean Pines 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.
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