Pennsylvania · Q2 2026
Berks County, Pennsylvania
0.0% of Berks County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Counting institutions that are concentrated but do not meet the growth test, the share is 13%.
Hover or tap a county for its grade.
Banks behind this number
13 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Fleetwood Bank | Fleetwood, PA | $0.4B | Below | — | 100.0% |
| Customers Bank | Malvern, PA | $27B | Below | — | 38.5% |
| Tompkins Bank & Trust | Ithaca, NY | $8.8B | Concentrated | 300%+, growth test not met | 18.4% |
| Ambler Savings Bank | Ambler, PA | $0.5B | Below | — | 16.9% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 5.7% |
| The Ephrata National Bank | Ephrata, PA | $2.4B | Below | — | 4.9% |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Below | — | 4.2% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 3.4% |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | Jonestown, PA | $1.0B | Below | — | 1.9% |
| First National Bank of Pennsylvania | Greenville, PA | $51B | Below | — | 1.4% |
| Univest Bank and Trust Co. | Souderton, PA | $8.2B | Below | — | 0.3% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.1% |
- Fleetwood BankBelowFleetwood, PA$0.4B—100.0% of bank deposits
- Customers BankBelowMalvern, PA$27B—38.5% of bank deposits
- Tompkins Bank & TrustConcentratedIthaca, NY$8.8B300%+, growth test not met18.4% of bank deposits
- Ambler Savings BankBelowAmbler, PA$0.5B—16.9% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met5.7% of bank deposits
- Ephrata, PA$2.4B—4.9% of bank deposits
- Mansfield, PA$3.2B—4.2% of bank deposits
- Lancaster, PA$33B—3.4% of bank deposits
- Jonestown, PA$1.0B—1.9% of bank deposits
- Greenville, PA$51B—1.4% of bank deposits
- Souderton, PA$8.2B—0.3% of bank deposits
- The Woodlands, TX$9.0B—0.1% of bank deposits
A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.
What this means
None of the 13 banks under $100B in assets with a branch in Berks County are above a regulatory CRE concentration threshold this quarter. Another 2 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 13%.
Coverage is 51%: the rest of the deposits in Berks County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.
Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.
Nothing on this page is investment advice.