Pennsylvania · Q2 2026
Luzerne County, Pennsylvania
0.0% of Luzerne 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 5.7%.
Rated on 34% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.
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Banks behind this number
10 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| First Keystone Community Bank | Berwick, PA | $1.6B | Below | — | 42.7% |
| The Fidelity Deposit and Discount Bank | Dunmore, PA | $3.0B | Below | — | 30.4% |
| Peoples Security Bank and Trust Company | Dunmore, PA | $5.4B | Below | — | 14.3% |
| The Honesdale National Bank | Honesdale, PA | $1.2B | Below | — | 7.8% |
| Community Bank, National Association | Canton, NY | $17B | Below | — | 4.3% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 3.1% |
| Wayne Bank | Honesdale, PA | $2.9B | Below | — | 1.9% |
| NBT Bank, National Association | Norwich, NY | $16B | Below | — | 0.8% |
| First National Bank of Pennsylvania | Greenville, PA | $51B | Below | — | 0.6% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.0% |
- Berwick, PA$1.6B—42.7% of bank deposits
- Dunmore, PA$3.0B—30.4% of bank deposits
- Dunmore, PA$5.4B—14.3% of bank deposits
- Honesdale, PA$1.2B—7.8% of bank deposits
- Canton, NY$17B—4.3% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met3.1% of bank deposits
- Wayne BankBelowHonesdale, PA$2.9B—1.9% of bank deposits
- Norwich, NY$16B—0.8% of bank deposits
- Greenville, PA$51B—0.6% 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 10 banks under $100B in assets with a branch in Luzerne County are above a regulatory CRE concentration threshold this quarter. Another 1 carries commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 5.7%.
Coverage is 34%: the rest of the deposits in Luzerne 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.