Pennsylvania · Q2 2026
Fulton County, Pennsylvania
48% of Fulton County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Only 2 banks under $100B in assets operate here. A county needs at least three for a grade, so this one carries the exposed deposit share without one.
Hover or tap a county for its grade.
Banks behind this number
2 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Community State Bank of Orbisonia | Orbisonia, PA | $0.5B | Below | — | 24.3% |
| Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $2.3B | Above threshold | C1+C2 | 5.3% |
- Orbisonia, PA$0.5B—24.3% of bank deposits
- Farmers and Merchants Trust Company of ChambersburgAbove thresholdChambersburg, PA$2.3BC1+C25.3% 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 2 banks under $100B in assets with a branch in Fulton County is above a regulatory CRE concentration threshold, and it holds 48% of the county deposits this report covers.
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.