County banking markets / NJ / 34021
MercerNew Jersey
FIPS 34021. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 21 counties in New Jersey’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 (787) and unconcentrated on deposits (1,350).
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
131 branch offices and 28 institutions in 1994; 101 and 22 in 2025. Deposits booked in the county went from $6.42B to $21.75B, 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 | $5.91B | 27.18% | 11 | 10.89% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $3.15B | 14.50% | 9 | 8.91% |
| 3 | PNC Bank, National Association cert 6384 | $2.98B | 13.72% | 13 | 12.87% |
| 4 | TD Bank, National Association cert 18409 | $1.79B | 8.21% | 8 | 7.92% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $1.43B | 6.57% | 9 | 8.91% |
| 6 | First Bank cert 58481 | $1.14B | 5.26% | 5 | 4.95% |
| 7 | Citizens Bank, National Association cert 57957 | $948.1M | 4.36% | 9 | 8.91% |
| 8 | Customers Bank cert 34444 | $929.4M | 4.27% | 1 | 0.99% |
| 9 | Santander Bank, N.A. cert 29950 | $904.7M | 4.16% | 9 | 8.91% |
| 10 | The Bank of Princeton cert 58513 | $681.4M | 3.13% | 7 | 6.93% |
| 11 | Cenlar FSB cert 30996 | $472.7M | 2.17% | 1 | 0.99% |
| 12 | Northfield Bank cert 28710 | $295.2M | 1.36% | 5 | 4.95% |
| 13 | Provident Bank cert 12010 | $290.2M | 1.33% | 3 | 2.97% |
| 14 | Fulton Bank, National Association cert 7551 | $210.6M | 0.97% | 2 | 1.98% |
| 15 | OceanFirst Bank, National Association cert 28359 | $172.6M | 0.79% | 1 | 0.99% |
| 16 | Mid Penn Bank cert 9889 | $106.3M | 0.49% | 1 | 0.99% |
| 17 | Manufacturers and Traders Trust Company cert 588 | $76.4M | 0.35% | 1 | 0.99% |
| 18 | Spencer Savings Bank, SLA cert 30076 | $75.1M | 0.35% | 1 | 0.99% |
| 19 | Truist Bank cert 9846 | $68.3M | 0.31% | 2 | 1.98% |
| 20 | Flagstar Bank, National Association cert 32541 | $65.0M | 0.30% | 1 | 0.99% |
| 21 | First Commerce Bank cert 58054 | $45.7M | 0.21% | 1 | 0.99% |
| 22 | Wilmington Trust, National Association cert 34069 | $0K | 0.00% | 1 | 0.99% |
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 New Jersey, or read the methodology for the two HHI constructions and what they cannot tell you.