Pennsylvania · Q2 2026
Bucks County, Pennsylvania
15% of Bucks 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 21%.
Rated on 38% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.
Hover or tap a county for its grade.
Banks behind this number
17 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| First National Bank and Trust Company of Newtown | Newtown, PA | $1.2B | Below | — | 100.0% |
| Penn Community Bank | Doylestown, PA | $3.1B | Below | — | 91.6% |
| Quaint Oak Bank | Southampton, PA | $0.6B | Below | — | 71.6% |
| QNB Bank | Quakertown, PA | $2.4B | Above threshold | C2 | 64.8% |
| Hatboro Federal Savings, FA Fewer than 12 quarters of history; criterion 2 not evaluated | Hatboro, PA | $0.6B | Below | — | 54.8% |
| Univest Bank and Trust Co. | Souderton, PA | $8.2B | Below | — | 21.4% |
| Citizens & Northern Bank | Wellsboro, PA | $3.1B | Below | — | 20.1% |
| Firstrust Savings Bank | Conshohocken, PA | $5.6B | Below | — | 12.1% |
| Meridian Bank | Wayne, PA | $2.6B | Above threshold | C1 | 9.8% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 8.6% |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Below | — | 7.0% |
| First Bank | Hamilton, NJ | $4.1B | Concentrated | 300%+, growth test not met | 6.5% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 2.9% |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $23B | Below | — | 2.4% |
| Customers Bank | Malvern, PA | $27B | Below | — | 1.3% |
| Peoples Security Bank and Trust Company | Dunmore, PA | $5.4B | Below | — | 1.1% |
| Provident Bank | Jersey City, NJ | $26B | Above threshold | C2 | 0.8% |
- Newtown, PA$1.2B—100.0% of bank deposits
- Penn Community BankBelowDoylestown, PA$3.1B—91.6% of bank deposits
- Quaint Oak BankBelowSouthampton, PA$0.6B—71.6% of bank deposits
- QNB BankAbove thresholdQuakertown, PA$2.4BC264.8% of bank deposits
- Hatboro, PA$0.6B—54.8% of bank depositsFewer than 12 quarters of history; criterion 2 not evaluated
- Souderton, PA$8.2B—21.4% of bank deposits
- Wellsboro, PA$3.1B—20.1% of bank deposits
- Conshohocken, PA$5.6B—12.1% of bank deposits
- Meridian BankAbove thresholdWayne, PA$2.6BC19.8% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met8.6% of bank deposits
- Mansfield, PA$3.2B—7.0% of bank deposits
- First BankConcentratedHamilton, NJ$4.1B300%+, growth test not met6.5% of bank deposits
- Lancaster, PA$33B—2.9% of bank deposits
- Wilmington, DE$23B—2.4% of bank deposits
- Customers BankBelowMalvern, PA$27B—1.3% of bank deposits
- Dunmore, PA$5.4B—1.1% of bank deposits
- Provident BankAbove thresholdJersey City, NJ$26BC20.8% 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
3 of the 17 banks under $100B in assets with a branch in Bucks County are above a regulatory CRE concentration threshold, and together they hold 15% of the county deposits this report covers. Another 2 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 21%.
Coverage is 38%: the rest of the deposits in Bucks 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.