County banking markets / MD / 24005
BaltimoreMaryland
FIPS 24005. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 24 counties in Maryland’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,033) and unconcentrated on deposits (1,268).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
293 branch offices and 60 institutions in 1994; 167 and 25 in 2025. Deposits booked in the county went from $9.91B to $26.45B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Bank of America, National Association cert 3510 | $5.38B | 20.35% | 22 | 13.17% |
| 2 | Manufacturers and Traders Trust Company cert 588 | $4.69B | 17.73% | 35 | 20.96% |
| 3 | CFG Bank cert 34294 | $4.59B | 17.36% | 1 | 0.60% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $2.51B | 9.51% | 14 | 8.38% |
| 5 | PNC Bank, National Association cert 6384 | $2.11B | 7.98% | 19 | 11.38% |
| 6 | Truist Bank cert 9846 | $1.39B | 5.25% | 15 | 8.98% |
| 7 | First National Bank of Pennsylvania cert 7888 | $1.31B | 4.94% | 9 | 5.39% |
| 8 | Capital One, National Association cert 4297 | $819.6M | 3.10% | 1 | 0.60% |
| 9 | Rosedale Federal Savings and Loan Association cert 29613 | $816.2M | 3.09% | 11 | 6.59% |
| 10 | Orrstown Bank cert 713 | $469.2M | 1.77% | 4 | 2.40% |
| 11 | Farmers and Merchants Bank cert 1895 | $423.0M | 1.60% | 4 | 2.40% |
| 12 | WesBanco Bank, Inc. cert 803 | $385.8M | 1.46% | 4 | 2.40% |
| 13 | JPMorgan Chase Bank, National Association cert 628 | $384.8M | 1.45% | 10 | 5.99% |
| 14 | BayVanguard Bank cert 32527 | $246.5M | 0.93% | 4 | 2.40% |
| 15 | Eastern Savings Bank, FSB cert 32360 | $243.3M | 0.92% | 3 | 1.80% |
| 16 | Atlantic Union Bank cert 34589 | $192.2M | 0.73% | 1 | 0.60% |
| 17 | Fulton Bank, National Association cert 7551 | $168.0M | 0.64% | 1 | 0.60% |
| 18 | TD Bank, National Association cert 18409 | $98.9M | 0.37% | 1 | 0.60% |
| 19 | Shore United Bank, National Association cert 4832 | $68.4M | 0.26% | 1 | 0.60% |
| 20 | Firstrust Savings Bank cert 26647 | $48.7M | 0.18% | 1 | 0.60% |
| 21 | The Harbor Bank of Maryland cert 24015 | $36.5M | 0.14% | 1 | 0.60% |
| 22 | United Bank cert 22858 | $32.4M | 0.12% | 1 | 0.60% |
| 23 | Univest Bank and Trust Co. cert 7759 | $22.0M | 0.08% | 1 | 0.60% |
| 24 | Woodforest National Bank cert 23220 | $8.1M | 0.03% | 2 | 1.20% |
| 25 | Wilmington Trust, National Association cert 34069 | $0K | 0.00% | 1 | 0.60% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Maryland, or read the methodology for the two HHI constructions and what they cannot tell you.