Pennsylvania · Q2 2026
Philadelphia County, Pennsylvania
Banks under $100B in assets hold 9.9% of deposits in Philadelphia County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.
5.9% of Philadelphia 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 12%.
Hover or tap a county for its grade.
Banks behind this number
24 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Port Richmond Savings | Philadelphia, PA | $0.1B | Below | — | 100.0% |
| Second Federal Savings and Loan Association of Philadelphia | Philadelphia, PA | $0.0B | Below | — | 100.0% |
| United Bank of Philadelphia | Philadelphia, PA | $0.0B | Below | — | 100.0% |
| Tioga-Franklin Savings Bank | Philadelphia, PA | $0.1B | Concentrated | 300%+, growth test not met | 100.0% |
| Asian Bank | Philadelphia, PA | $0.7B | Approaching | — | 100.0% |
| The Philadelphia Trust Company | Philadelphia, PA | $0.0B | Below | — | 100.0% |
| United Savings Bank | Philadelphia, PA | $0.5B | Below | — | 65.8% |
| Hyperion Bank | Philadelphia, PA | $0.6B | Above threshold | C1 | 56.8% |
| Firstrust Savings Bank | Conshohocken, PA | $5.6B | Below | — | 40.6% |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $23B | Below | — | 16.2% |
| Abacus Federal Savings Bank | New York, NY | $0.3B | Below | — | 10.7% |
| Sharon Bank | Springfield, PA | $0.2B | Concentrated | 300%+, growth test not met | 8.5% |
| Parke Bank | Sewell, NJ | $2.3B | Below | — | 8.0% |
| Univest Bank and Trust Co. | Souderton, PA | $8.2B | Below | — | 7.5% |
| Meridian Bank | Wayne, PA | $2.6B | Above threshold | C1 | 6.9% |
| Quaint Oak Bank | Southampton, PA | $0.6B | Below | — | 6.2% |
| The Bank of Princeton | Princeton, NJ | $2.3B | Concentrated | 300%+, growth test not met | 5.1% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 3.6% |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Below | — | 2.2% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 1.9% |
| S&T Bank | Indiana, PA | $9.9B | Concentrated | 300%+, growth test not met | 1.7% |
| OceanFirst Bank, National Association | Toms River, NJ | $23B | Above threshold | C2 | 0.9% |
| Tompkins Bank & Trust | Ithaca, NY | $8.8B | Concentrated | 300%+, growth test not met | 0.7% |
- Philadelphia, PA$0.1B—100.0% of bank deposits
- Philadelphia, PA$0.0B—100.0% of bank deposits
- Philadelphia, PA$0.0B—100.0% of bank deposits
- Tioga-Franklin Savings BankConcentratedPhiladelphia, PA$0.1B300%+, growth test not met100.0% of bank deposits
- Asian BankApproachingPhiladelphia, PA$0.7B—100.0% of bank deposits
- Philadelphia, PA$0.0B—100.0% of bank deposits
- United Savings BankBelowPhiladelphia, PA$0.5B—65.8% of bank deposits
- Hyperion BankAbove thresholdPhiladelphia, PA$0.6BC156.8% of bank deposits
- Conshohocken, PA$5.6B—40.6% of bank deposits
- Wilmington, DE$23B—16.2% of bank deposits
- New York, NY$0.3B—10.7% of bank deposits
- Sharon BankConcentratedSpringfield, PA$0.2B300%+, growth test not met8.5% of bank deposits
- Parke BankBelowSewell, NJ$2.3B—8.0% of bank deposits
- Souderton, PA$8.2B—7.5% of bank deposits
- Meridian BankAbove thresholdWayne, PA$2.6BC16.9% of bank deposits
- Quaint Oak BankBelowSouthampton, PA$0.6B—6.2% of bank deposits
- The Bank of PrincetonConcentratedPrinceton, NJ$2.3B300%+, growth test not met5.1% of bank deposits
- Lancaster, PA$33B—3.6% of bank deposits
- Mansfield, PA$3.2B—2.2% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met1.9% of bank deposits
- S&T BankConcentratedIndiana, PA$9.9B300%+, growth test not met1.7% of bank deposits
- OceanFirst Bank, National AssociationAbove thresholdToms River, NJ$23BC20.9% of bank deposits
- Tompkins Bank & TrustConcentratedIthaca, NY$8.8B300%+, growth test not met0.7% 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
3 of the 24 banks under $100B in assets with a branch in Philadelphia County are above a regulatory CRE concentration threshold, and together they hold 5.9% of the county deposits this report covers. Another 7 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 12%. 1 more sits within one quarter of a threshold.
Coverage is 9.9%: the rest of the deposits in Philadelphia 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.