Pennsylvania · Q2 2026
Montgomery County, Pennsylvania
4.3% of Montgomery County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Rated on 28% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.
Hover or tap a county for its grade.
Banks behind this number
19 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Harleysville Bank | Harleysville, PA | $1.0B | Below | — | 100.0% |
| Ambler Savings Bank | Ambler, PA | $0.5B | Below | — | 83.1% |
| Univest Bank and Trust Co. | Souderton, PA | $8.2B | Below | — | 56.6% |
| Hatboro Federal Savings, FA Fewer than 12 quarters of history; criterion 2 not evaluated | Hatboro, PA | $0.6B | Below | — | 45.2% |
| Phoenixville Federal Bank and Trust | Phoenixville, PA | $0.6B | Below | — | 39.7% |
| Firstrust Savings Bank | Conshohocken, PA | $5.6B | Below | — | 37.6% |
| QNB Bank | Quakertown, PA | $2.4B | Above threshold | C2 | 16.4% |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $23B | Below | — | 13.6% |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Below | — | 11.4% |
| Meridian Bank | Wayne, PA | $2.6B | Above threshold | C1 | 8.9% |
| Penn Community Bank | Doylestown, PA | $3.1B | Below | — | 5.7% |
| Tompkins Bank & Trust | Ithaca, NY | $8.8B | Concentrated | 300%+, growth test not met | 5.0% |
| Woori America Bank | New York, NY | $4.1B | Below | — | 4.7% |
| The Bank of Princeton | Princeton, NJ | $2.3B | Concentrated | 300%+, growth test not met | 4.4% |
| Beal Bank USA | Las Vegas, NV | $11B | Below | — | 3.6% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 2.8% |
| Peoples Security Bank and Trust Company | Dunmore, PA | $5.4B | Below | — | 2.0% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 1.9% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.0% |
- Harleysville BankBelowHarleysville, PA$1.0B—100.0% of bank deposits
- Ambler Savings BankBelowAmbler, PA$0.5B—83.1% of bank deposits
- Souderton, PA$8.2B—56.6% of bank deposits
- Hatboro, PA$0.6B—45.2% of bank depositsFewer than 12 quarters of history; criterion 2 not evaluated
- Phoenixville, PA$0.6B—39.7% of bank deposits
- Conshohocken, PA$5.6B—37.6% of bank deposits
- QNB BankAbove thresholdQuakertown, PA$2.4BC216.4% of bank deposits
- Wilmington, DE$23B—13.6% of bank deposits
- Mansfield, PA$3.2B—11.4% of bank deposits
- Meridian BankAbove thresholdWayne, PA$2.6BC18.9% of bank deposits
- Penn Community BankBelowDoylestown, PA$3.1B—5.7% of bank deposits
- Tompkins Bank & TrustConcentratedIthaca, NY$8.8B300%+, growth test not met5.0% of bank deposits
- Woori America BankBelowNew York, NY$4.1B—4.7% of bank deposits
- The Bank of PrincetonConcentratedPrinceton, NJ$2.3B300%+, growth test not met4.4% of bank deposits
- Beal Bank USABelowLas Vegas, NV$11B—3.6% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met2.8% of bank deposits
- Dunmore, PA$5.4B—2.0% of bank deposits
- Lancaster, PA$33B—1.9% 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
2 of the 19 banks under $100B in assets with a branch in Montgomery County are above a regulatory CRE concentration threshold, and together they hold 4.3% of the county deposits this report covers. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 9.3%.
Coverage is 28%: the rest of the deposits in Montgomery 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.