County banking markets / PA / 42043
DauphinPennsylvania
FIPS 42043. 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 (867) and unconcentrated on deposits (1,230).
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
104 branch offices and 25 institutions in 1994; 67 and 19 in 2025. Deposits booked in the county went from $3.16B to $7.65B, 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 | First National Bank of Pennsylvania cert 7888 | $1.54B | 20.18% | 6 | 8.96% |
| 2 | Mid Penn Bank cert 9889 | $1.52B | 19.90% | 11 | 16.42% |
| 3 | Manufacturers and Traders Trust Company cert 588 | $839.0M | 10.97% | 9 | 13.43% |
| 4 | PNC Bank, National Association cert 6384 | $766.5M | 10.02% | 4 | 5.97% |
| 5 | Fulton Bank, National Association cert 7551 | $679.6M | 8.89% | 6 | 8.96% |
| 6 | Wells Fargo Bank, National Association cert 3511 | $611.1M | 7.99% | 4 | 5.97% |
| 7 | Citizens Bank, National Association cert 57957 | $392.0M | 5.13% | 4 | 5.97% |
| 8 | First Commonwealth Bank cert 7468 | $242.9M | 3.18% | 2 | 2.99% |
| 9 | Truist Bank cert 9846 | $217.8M | 2.85% | 6 | 8.96% |
| 10 | Santander Bank, N.A. cert 29950 | $192.6M | 2.52% | 3 | 4.48% |
| 11 | LINKBANK cert 14863 | $157.4M | 2.06% | 2 | 2.99% |
| 12 | Orrstown Bank cert 713 | $137.8M | 1.80% | 1 | 1.49% |
| 13 | S&T Bank cert 11124 | $113.2M | 1.48% | 2 | 2.99% |
| 14 | Bank of Bird-in-Hand cert 59074 | $78.8M | 1.03% | 1 | 1.49% |
| 15 | Northwest Bank cert 28178 | $56.5M | 0.74% | 1 | 1.49% |
| 16 | JPMorgan Chase Bank, National Association cert 628 | $46.0M | 0.60% | 2 | 2.99% |
| 17 | Farmers and Merchants Trust Company of Chambersburg cert 8405 | $40.7M | 0.53% | 1 | 1.49% |
| 18 | Pennian Bank cert 7613 | $10.4M | 0.14% | 1 | 1.49% |
| 19 | Wilmington Savings Fund Society, FSB cert 17838 | $0K | 0.00% | 1 | 1.49% |
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.