County banking markets / PA / 42097
NorthumberlandPennsylvania
FIPS 42097. 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 (937) and unconcentrated on deposits (1,025).
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
35 branch offices and 15 institutions in 1994; 24 and 14 in 2025. Deposits booked in the county went from $996.7M to $1.66B, 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 | The Northumberland National Bank cert 7666 | $262.7M | 15.82% | 3 | 12.50% |
| 2 | Manufacturers and Traders Trust Company cert 588 | $222.0M | 13.37% | 4 | 16.67% |
| 3 | Truist Bank cert 9846 | $211.4M | 12.73% | 2 | 8.33% |
| 4 | First National Bank of Pennsylvania cert 7888 | $181.2M | 10.91% | 3 | 12.50% |
| 5 | The Turbotville National Bank cert 7789 | $176.3M | 10.62% | 1 | 4.17% |
| 6 | UNB Bank cert 7631 | $139.0M | 8.37% | 1 | 4.17% |
| 7 | Susquehanna Community Bank cert 8421 | $106.8M | 6.43% | 2 | 8.33% |
| 8 | Journey Bank cert 686 | $100.2M | 6.03% | 2 | 8.33% |
| 9 | LINKBANK cert 14863 | $68.7M | 4.14% | 1 | 4.17% |
| 10 | Fulton Bank, National Association cert 7551 | $67.9M | 4.09% | 1 | 4.17% |
| 11 | Milton Savings Bank cert 28637 | $62.4M | 3.76% | 1 | 4.17% |
| 12 | First Commonwealth Bank cert 7468 | $38.2M | 2.30% | 1 | 4.17% |
| 13 | Mifflinburg Bank and Trust Company cert 10685 | $18.9M | 1.14% | 1 | 4.17% |
| 14 | Woodforest National Bank cert 23220 | $4.9M | 0.30% | 1 | 4.17% |
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.