Pennsylvania · Q2 2026
Franklin County, Pennsylvania
56% of Franklin County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Hover or tap a county for its grade.
Banks behind this number
7 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $2.3B | Above threshold | C1+C2 | 62.6% |
| Orrstown Bank | Harrisburg, PA | $5.6B | Approaching | — | 14.8% |
| Community State Bank of Orbisonia | Orbisonia, PA | $0.5B | Below | — | 6.8% |
| The Juniata Valley Bank | Mifflintown, PA | $0.9B | Approaching | — | 6.0% |
| Middletown Valley Bank | Middletown, MD | $1.2B | Below | — | 5.0% |
| ACNB Bank | Gettysburg, PA | $3.3B | Below | — | 1.1% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.0% |
- Farmers and Merchants Trust Company of ChambersburgAbove thresholdChambersburg, PA$2.3BC1+C262.6% of bank deposits
- Orrstown BankApproachingHarrisburg, PA$5.6B—14.8% of bank deposits
- Orbisonia, PA$0.5B—6.8% of bank deposits
- The Juniata Valley BankApproachingMifflintown, PA$0.9B—6.0% of bank deposits
- Middletown, MD$1.2B—5.0% of bank deposits
- ACNB BankBelowGettysburg, PA$3.3B—1.1% 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
1 of the 7 banks under $100B in assets with a branch in Franklin County is above a regulatory CRE concentration threshold, and it holds 56% of the county deposits this report covers. 2 more sit within one quarter of a threshold.
Coverage is 54%: the rest of the deposits in Franklin 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.