Pennsylvania · Q2 2026

Dauphin County, Pennsylvania

DCredit pressureD on a scale where E is the highest pressure and A the lowest

1.0% of Dauphin 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 31%.

Rank
Outside the top 15
Full ranking is part of Desk
Exposed deposits vs Q1 2026
▼ 3.8 pts
Coverage
Coverage 55% — full
Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

Hover or tap a county for its grade.

Banks behind this number

11 banks under $100B in assets with a branch here
BankHeadquartersAssetsStatusCriterionShare of bank deposits here
Mid Penn BankMillersburg, PA$7.0BConcentrated300%+, growth test not met21.0%
Bank of Bird-in-HandBird In Hand, PA$1.9BBelow7.3%
First National Bank of PennsylvaniaGreenville, PA$51BBelow4.0%
Orrstown BankHarrisburg, PA$5.6BApproaching3.0%
Fulton Bank, National AssociationLancaster, PA$33BBelow2.7%
First Commonwealth BankIndiana, PA$12BBelow2.5%
Farmers and Merchants Trust Company of ChambersburgChambersburg, PA$2.3BAbove thresholdC1+C22.4%
Pennian BankMifflintown, PA$0.7BBelow1.8%
S&T BankIndiana, PA$9.9BConcentrated300%+, growth test not met1.6%
Northwest BankWarren, PA$17BBelow0.5%

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

1 of the 11 banks under $100B in assets with a branch in Dauphin County is above a regulatory CRE concentration threshold, and it holds 1.0% of the county deposits this report covers. Another 2 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 31%. 1 more sits within one quarter of a threshold.

Coverage is 55%: the rest of the deposits in Dauphin 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.

Calculation v1 · Call report Q2 2026 · Summary of Deposits 2025 · Universe: banks under $100B in assets · Methodology

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.