County banking markets / PA / 42091
MontgomeryPennsylvania
FIPS 42091. 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 (664) and unconcentrated on deposits (1,089).
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
305 branch offices and 45 institutions in 1994; 242 and 31 in 2025. Deposits booked in the county went from $11.75B to $38.97B, 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 | TD Bank, National Association cert 18409 | $9.04B | 23.21% | 18 | 7.44% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $5.13B | 13.17% | 27 | 11.16% |
| 3 | Citizens Bank, National Association cert 57957 | $4.08B | 10.46% | 28 | 11.57% |
| 4 | Univest Bank and Trust Co. cert 7759 | $3.64B | 9.33% | 20 | 8.26% |
| 5 | PNC Bank, National Association cert 6384 | $3.33B | 8.55% | 17 | 7.02% |
| 6 | Wilmington Savings Fund Society, FSB cert 17838 | $1.99B | 5.11% | 14 | 5.79% |
| 7 | Bank of America, National Association cert 3510 | $1.90B | 4.87% | 11 | 4.55% |
| 8 | Firstrust Savings Bank cert 26647 | $1.54B | 3.95% | 7 | 2.89% |
| 9 | Truist Bank cert 9846 | $1.37B | 3.52% | 14 | 5.79% |
| 10 | KeyBank National Association cert 17534 | $1.29B | 3.30% | 19 | 7.85% |
| 11 | Santander Bank, N.A. cert 29950 | $1.07B | 2.74% | 11 | 4.55% |
| 12 | Harleysville Bank cert 31461 | $697.0M | 1.79% | 7 | 2.89% |
| 13 | JPMorgan Chase Bank, National Association cert 628 | $469.1M | 1.20% | 13 | 5.37% |
| 14 | Fulton Bank, National Association cert 7551 | $459.8M | 1.18% | 5 | 2.07% |
| 15 | QNB Bank cert 7714 | $430.1M | 1.10% | 3 | 1.24% |
| 16 | The Victory Bank cert 58615 | $426.5M | 1.09% | 2 | 0.83% |
| 17 | Ambler Savings Bank cert 28701 | $345.7M | 0.89% | 5 | 2.07% |
| 18 | Tompkins Community Bank cert 609 | $301.0M | 0.77% | 3 | 1.24% |
| 19 | First Citizens Community Bank cert 7593 | $239.6M | 0.61% | 2 | 0.83% |
| 20 | Phoenixville Federal Bank and Trust cert 29995 | $214.9M | 0.55% | 3 | 1.24% |
| 21 | Hatboro Federal Savings, FA cert 30155 | $193.5M | 0.50% | 1 | 0.41% |
| 22 | Meridian Bank cert 57777 | $188.6M | 0.48% | 1 | 0.41% |
| 23 | Mid Penn Bank cert 9889 | $140.5M | 0.36% | 1 | 0.41% |
| 24 | Penn Community Bank cert 30401 | $137.0M | 0.35% | 2 | 0.83% |
| 25 | Woori America Bank cert 24920 | $113.7M | 0.29% | 1 | 0.41% |
| 26 | Peoples Security Bank and Trust Company cert 7514 | $87.2M | 0.22% | 1 | 0.41% |
| 27 | The Bank of Princeton cert 58513 | $86.1M | 0.22% | 2 | 0.83% |
| 28 | 1st Colonial Community Bank cert 35456 | $37.4M | 0.10% | 1 | 0.41% |
| 29 | Beal Bank USA cert 57833 | $22.2M | 0.06% | 1 | 0.41% |
| 30 | Woodforest National Bank cert 23220 | $1.8M | 0.00% | 1 | 0.41% |
| 31 | SEI Private Trust Company cert 35388 | $500K | 0.00% | 1 | 0.41% |
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.