County banking markets / PA / 42011
BerksPennsylvania
FIPS 42011. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 66 counties in Pennsylvania’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 (956) and moderately concentrated on deposits (2,167).
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
122 branch offices and 19 institutions in 1994; 88 and 18 in 2025. Deposits booked in the county went from $5.09B to $21.18B, 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 | Customers Bank cert 34444 | $7.35B | 34.69% | 2 | 2.27% |
| 2 | Santander Bank, N.A. cert 29950 | $5.87B | 27.71% | 6 | 6.82% |
| 3 | Truist Bank cert 9846 | $1.81B | 8.52% | 13 | 14.77% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $1.47B | 6.94% | 7 | 7.95% |
| 5 | Tompkins Community Bank cert 609 | $1.11B | 5.25% | 12 | 13.64% |
| 6 | Fulton Bank, National Association cert 7551 | $830.9M | 3.92% | 7 | 7.95% |
| 7 | Manufacturers and Traders Trust Company cert 588 | $827.3M | 3.91% | 13 | 14.77% |
| 8 | First National Bank of Pennsylvania cert 7888 | $534.6M | 2.52% | 4 | 4.55% |
| 9 | Citizens Bank, National Association cert 57957 | $454.6M | 2.15% | 6 | 6.82% |
| 10 | Fleetwood Bank cert 13561 | $363.6M | 1.72% | 7 | 7.95% |
| 11 | Mid Penn Bank cert 9889 | $287.8M | 1.36% | 3 | 3.41% |
| 12 | First Citizens Community Bank cert 7593 | $87.7M | 0.41% | 1 | 1.14% |
| 13 | The Ephrata National Bank cert 7493 | $72.6M | 0.34% | 1 | 1.14% |
| 14 | Ambler Savings Bank cert 28701 | $70.1M | 0.33% | 1 | 1.14% |
| 15 | Univest Bank and Trust Co. cert 7759 | $20.2M | 0.10% | 1 | 1.14% |
| 16 | Jonestown Bank and Trust Company, of Jonestown, Pennsylvania cert 10677 | $15.4M | 0.07% | 1 | 1.14% |
| 17 | Woodforest National Bank cert 23220 | $11.4M | 0.05% | 2 | 2.27% |
| 18 | Bank of Bird-in-Hand cert 59074 | $0K | 0.00% | 1 | 1.14% |
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 Pennsylvania, or read the methodology for the two HHI constructions and what they cannot tell you.