County banking markets / PA / 42129
WestmorelandPennsylvania
FIPS 42129. 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 (837) and unconcentrated on deposits (1,340).
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
143 branch offices and 26 institutions in 1994; 113 and 22 in 2025. Deposits booked in the county went from $4.52B to $10.35B, 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 | PNC Bank, National Association cert 6384 | $2.68B | 25.86% | 11 | 9.73% |
| 2 | S&T Bank cert 11124 | $1.39B | 13.42% | 10 | 8.85% |
| 3 | First National Bank of Pennsylvania cert 7888 | $1.30B | 12.57% | 12 | 10.62% |
| 4 | First Commonwealth Bank cert 7468 | $1.28B | 12.36% | 15 | 13.27% |
| 5 | Citizens Bank, National Association cert 57957 | $1.04B | 10.01% | 9 | 7.96% |
| 6 | Dollar Bank, Federal Savings Bank cert 32245 | $617.0M | 5.96% | 7 | 6.19% |
| 7 | KeyBank National Association cert 17534 | $396.7M | 3.83% | 6 | 5.31% |
| 8 | Somerset Trust Company cert 11112 | $334.9M | 3.24% | 15 | 13.27% |
| 9 | Commercial Bank and Trust of PA cert 14333 | $300.4M | 2.90% | 7 | 6.19% |
| 10 | Mid Penn Bank cert 9889 | $207.1M | 2.00% | 2 | 1.77% |
| 11 | Community Bank cert 7848 | $135.4M | 1.31% | 1 | 0.88% |
| 12 | Westmoreland Federal Savings and Loan Association cert 30551 | $121.5M | 1.17% | 1 | 0.88% |
| 13 | The Huntington National Bank cert 6560 | $103.3M | 1.00% | 2 | 1.77% |
| 14 | CFSBANK cert 29672 | $92.2M | 0.89% | 2 | 1.77% |
| 15 | 1st Summit Bank cert 8426 | $84.4M | 0.82% | 3 | 2.65% |
| 16 | Ameriserv Financial Bank cert 7542 | $66.5M | 0.64% | 2 | 1.77% |
| 17 | NEXTIER BANK, NATIONAL ASSOCIATION cert 7900 | $60.9M | 0.59% | 1 | 0.88% |
| 18 | Apollo Trust Company cert 6051 | $56.3M | 0.54% | 2 | 1.77% |
| 19 | InFirst Bank cert 27763 | $53.5M | 0.52% | 2 | 1.77% |
| 20 | JPMorgan Chase Bank, National Association cert 628 | $19.0M | 0.18% | 1 | 0.88% |
| 21 | Compass Savings Bank cert 29430 | $13.7M | 0.13% | 1 | 0.88% |
| 22 | Woodforest National Bank cert 23220 | $4.5M | 0.04% | 1 | 0.88% |
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.