Pennsylvania · Q2 2026
Lehigh County, Pennsylvania
8.9% of Lehigh 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 29%.
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 |
|---|---|---|---|---|---|
| New Tripoli Bank | New Tripoli, PA | $0.7B | Below | — | 100.0% |
| American Bank | Allentown, PA | $1.1B | Concentrated | 300%+, growth test not met | 100.0% |
| The Neffs National Bank | Neffs, PA | $0.5B | Below | — | 82.1% |
| Embassy Bank for the Lehigh Valley | Bethlehem, PA | $1.9B | Below | — | 43.2% |
| Quaint Oak Bank | Southampton, PA | $0.6B | Below | — | 22.2% |
| QNB Bank | Quakertown, PA | $2.4B | Above threshold | C2 | 18.8% |
| Peoples Security Bank and Trust Company | Dunmore, PA | $5.4B | Below | — | 6.7% |
| First Northern Bank and Trust Company | Palmerton, PA | $0.9B | Below | — | 4.5% |
| Firstrust Savings Bank | Conshohocken, PA | $5.6B | Below | — | 4.1% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 2.8% |
| Penn Community Bank | Doylestown, PA | $3.1B | Below | — | 2.7% |
| Univest Bank and Trust Co. | Souderton, PA | $8.2B | Below | — | 0.7% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 0.5% |
| Provident Bank | Jersey City, NJ | $26B | Above threshold | C2 | 0.3% |
- New Tripoli BankBelowNew Tripoli, PA$0.7B—100.0% of bank deposits
- American BankConcentratedAllentown, PA$1.1B300%+, growth test not met100.0% of bank deposits
- Neffs, PA$0.5B—82.1% of bank deposits
- Bethlehem, PA$1.9B—43.2% of bank deposits
- Quaint Oak BankBelowSouthampton, PA$0.6B—22.2% of bank deposits
- QNB BankAbove thresholdQuakertown, PA$2.4BC218.8% of bank deposits
- Dunmore, PA$5.4B—6.7% of bank deposits
- Palmerton, PA$0.9B—4.5% of bank deposits
- Conshohocken, PA$5.6B—4.1% of bank deposits
- Lancaster, PA$33B—2.8% of bank deposits
- Penn Community BankBelowDoylestown, PA$3.1B—2.7% of bank deposits
- Souderton, PA$8.2B—0.7% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met0.5% of bank deposits
- Provident BankAbove thresholdJersey City, NJ$26BC20.3% 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
2 of the 14 banks under $100B in assets with a branch in Lehigh County are above a regulatory CRE concentration threshold, and together they hold 8.9% 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 29%.
Coverage is 41%: the rest of the deposits in Lehigh 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.