Pennsylvania · Q2 2026
Lancaster County, Pennsylvania
0.0% of Lancaster 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 7.0%.
Hover or tap a county for its grade.
Banks behind this number
15 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| The Ephrata National Bank | Ephrata, PA | $2.4B | Below | — | 90.6% |
| Bank of Bird-in-Hand | Bird In Hand, PA | $1.9B | Below | — | 85.9% |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Jonestown, PA | $1.0B | Below | — | 15.8% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 13.6% |
| Orrstown Bank | Harrisburg, PA | $5.6B | Approaching | — | 9.5% |
| Univest Bank and Trust Co. | Souderton, PA | $8.2B | Below | — | 7.6% |
| S&T Bank | Indiana, PA | $9.9B | Concentrated | 300%+, growth test not met | 5.1% |
| Northwest Bank | Warren, PA | $17B | Below | — | 4.8% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 4.3% |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Below | — | 3.1% |
| ACNB Bank | Gettysburg, PA | $3.3B | Below | — | 1.5% |
| First National Bank of Pennsylvania | Greenville, PA | $51B | Below | — | 1.4% |
| Citizens & Northern Bank | Wellsboro, PA | $3.1B | Below | — | 0.7% |
| First Commonwealth Bank | Indiana, PA | $12B | Below | — | 0.4% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.0% |
- Ephrata, PA$2.4B—90.6% of bank deposits
- Bank of Bird-in-HandBelowBird In Hand, PA$1.9B—85.9% of bank deposits
- Jonestown, PA$1.0B—15.8% of bank deposits
- Lancaster, PA$33B—13.6% of bank deposits
- Orrstown BankApproachingHarrisburg, PA$5.6B—9.5% of bank deposits
- Souderton, PA$8.2B—7.6% of bank deposits
- S&T BankConcentratedIndiana, PA$9.9B300%+, growth test not met5.1% of bank deposits
- Northwest BankBelowWarren, PA$17B—4.8% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met4.3% of bank deposits
- Mansfield, PA$3.2B—3.1% of bank deposits
- ACNB BankBelowGettysburg, PA$3.3B—1.5% of bank deposits
- Greenville, PA$51B—1.4% of bank deposits
- Wellsboro, PA$3.1B—0.7% of bank deposits
- Indiana, PA$12B—0.4% 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
None of the 15 banks under $100B in assets with a branch in Lancaster County are above a regulatory CRE concentration threshold this quarter. Another 2 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 7.0%. 1 more sits within one quarter of a threshold.
Coverage is 55%: the rest of the deposits in Lancaster 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.