State College-DuBois, PA holds $7.3 billion in deposits across 20 insured institutions and 69 branches, ranking #175 of 293 U.S. markets by economic output. CNB Bank is the largest deposit holder at 22.8% share. The top three institutions hold 51.5% of deposits, which places the market in the moderate band. Deposits have grown 26% since 2020 while the branch count fell by 8.
Deposit trend
Branches: 77 in 2020 to 69 in 2025. Institutions: 19 to 20. Top-three share: 46.0% to 51.5%. Deposits per branch: $106M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| CNB Bank | 1.7B | 22.8% | +111% |
| PNC Bank | 1.3B | 17.2% | +14% |
| First National Bank of Pennsylvania | 0.8B | 11.5% | +8% |
| Kish Bank | 0.5B | 7.2% | +104% |
| Northwest Bank | 0.5B | 6.7% | +18% |
| First Commonwealth Bank | 0.3B | 4.5% | -5% |
| Manufacturers and Traders Trust Company | 0.3B | 4.3% | +6% |
| Citizens Bank | 0.3B | 4.1% | -8% |
| Mid Penn Bank | 0.3B | 3.5% | new since 2020 |
| S&T Bank | 0.2B | 3.3% | +8% |
The 10 largest of 20 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 |
|---|---|---|---|---|
| Centre County | Pennsylvania | $9,002M | 157,393 | 74.3% |
| Clearfield County | Pennsylvania | $3,110M | 78,100 | 25.7% |
Recruiting in State College
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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