Pennsylvania · Q2 2026
Chester County, Pennsylvania
18% of Chester County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Counting institutions that are concentrated but do not meet the growth test, the share is 43%.
Rated on 32% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.
Hover or tap a county for its grade.
Banks behind this number
14 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| The National Bank of Malvern | Malvern, PA | $0.2B | Below | — | 100.0% |
| First Resource Bank | Exton, PA | $0.8B | Above threshold | C1+C2 | 82.4% |
| Phoenixville Federal Bank and Trust | Phoenixville, PA | $0.6B | Below | — | 60.3% |
| Meridian Bank | Wayne, PA | $2.6B | Above threshold | C1 | 21.1% |
| First Bank | Hamilton, NJ | $4.1B | Concentrated | 300%+, growth test not met | 18.9% |
| S&T Bank | Indiana, PA | $9.9B | Concentrated | 300%+, growth test not met | 10.0% |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $23B | Below | — | 8.0% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 3.6% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 2.9% |
| Univest Bank and Trust Co. | Souderton, PA | $8.2B | Below | — | 2.2% |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Below | — | 1.5% |
| Customers Bank | Malvern, PA | $27B | Below | — | 1.3% |
| Citizens & Northern Bank | Wellsboro, PA | $3.1B | Below | — | 0.6% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.0% |
- Malvern, PA$0.2B—100.0% of bank deposits
- First Resource BankAbove thresholdExton, PA$0.8BC1+C282.4% of bank deposits
- Phoenixville, PA$0.6B—60.3% of bank deposits
- Meridian BankAbove thresholdWayne, PA$2.6BC121.1% of bank deposits
- First BankConcentratedHamilton, NJ$4.1B300%+, growth test not met18.9% of bank deposits
- S&T BankConcentratedIndiana, PA$9.9B300%+, growth test not met10.0% of bank deposits
- Wilmington, DE$23B—8.0% of bank deposits
- Lancaster, PA$33B—3.6% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met2.9% of bank deposits
- Souderton, PA$8.2B—2.2% of bank deposits
- Mansfield, PA$3.2B—1.5% of bank deposits
- Customers BankBelowMalvern, PA$27B—1.3% of bank deposits
- Wellsboro, PA$3.1B—0.6% of bank deposits
- The Woodlands, TX$9.0B—0.0% of bank deposits
A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.
What this means
2 of the 14 banks under $100B in assets with a branch in Chester County are above a regulatory CRE concentration threshold, and together they hold 18% of the county deposits this report covers. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 43%.
Coverage is 32%: the rest of the deposits in Chester County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.
Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.
Nothing on this page is investment advice.