Williamsport-Lock Haven, PA, a Combined Statistical Area, holds $3.8 billion in deposits across 12 insured institutions and 56 branches, ranking #230 of 293 U.S. markets by economic output. Jersey Shore State Bank is the largest deposit holder at 21.8% share. The top three institutions hold 50.7% of deposits, which places the market in the moderate band. Deposits have grown 15.2% since 2020 while the branch count fell by 6.7%.
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: 60 in 2020 to 56 in 2025. Institutions: 14 to 12. Top-three share: 48.4% to 50.7%. Deposits per branch: $68M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Jersey Shore State Bank | $0.8B | 21.8% | +12% |
| Woodlands Bank | $0.6B | 14.7% | +33% |
| Manufacturers and Traders Trust Company | $0.5B | 14.2% | +25% |
| Journey Bank | $0.5B | 13.6% | no 2020 presence |
| First Commonwealth Bank | $0.4B | 10.9% | +27% |
| Citizens & Northern Bank | $0.3B | 8.1% | +52% |
| First National Bank of Pennsylvania | $0.2B | 6.6% | -12% |
| Truist Bank | $0.2B | 4.8% | -29% |
| PNC Bank | $0.1B | 2.4% | +2% |
| Northwest Bank | $0.0B | 1.3% | -6% |
| First Citizens Community Bank | $37M | 1.0% | +94% |
| Susquehanna Community Bank | $22M | 0.6% | +158% |
The 12 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s deposits in 2020 and 2025. 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. Even so, a large gain can reflect acquisition rather than organic growth; “no 2020 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 | |
|---|---|---|---|---|---|
| Lycoming County | Pennsylvania | $6.1B | 112,587 | 79.5% | 81.0% |
| Clinton County | Pennsylvania | $1.6B | 37,870 | 20.5% | 19.0% |
Recruiting in the Williamsport-Lock Haven market
Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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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