Pennsylvania · Q2 2026
Cumberland County, Pennsylvania
10% of Cumberland 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 29%.
Rated on 37% 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
12 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Atlantic Community Bankers Bank | Camp Hill, PA | $0.9B | Below | — | 100.0% |
| Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $2.3B | Above threshold | C1+C2 | 26.3% |
| Orrstown Bank | Harrisburg, PA | $5.6B | Approaching | — | 22.9% |
| Pennian Bank | Mifflintown, PA | $0.7B | Below | — | 13.4% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 10.2% |
| S&T Bank | Indiana, PA | $9.9B | Concentrated | 300%+, growth test not met | 3.7% |
| First Commonwealth Bank | Indiana, PA | $12B | Below | — | 2.4% |
| ACNB Bank | Gettysburg, PA | $3.3B | Below | — | 2.3% |
| First National Bank of Pennsylvania | Greenville, PA | $51B | Below | — | 1.8% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 1.3% |
| Univest Bank and Trust Co. | Souderton, PA | $8.2B | Below | — | 0.2% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.1% |
- Camp Hill, PA$0.9B—100.0% of bank deposits
- Farmers and Merchants Trust Company of ChambersburgAbove thresholdChambersburg, PA$2.3BC1+C226.3% of bank deposits
- Orrstown BankApproachingHarrisburg, PA$5.6B—22.9% of bank deposits
- Pennian BankBelowMifflintown, PA$0.7B—13.4% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met10.2% of bank deposits
- S&T BankConcentratedIndiana, PA$9.9B300%+, growth test not met3.7% of bank deposits
- Indiana, PA$12B—2.4% of bank deposits
- ACNB BankBelowGettysburg, PA$3.3B—2.3% of bank deposits
- Greenville, PA$51B—1.8% of bank deposits
- Lancaster, PA$33B—1.3% of bank deposits
- Souderton, PA$8.2B—0.2% 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
1 of the 12 banks under $100B in assets with a branch in Cumberland County is above a regulatory CRE concentration threshold, and it holds 10% 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 29%. 1 more sits within one quarter of a threshold.
Coverage is 37%: the rest of the deposits in Cumberland 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.