Pennsylvania · Q2 2026
Dauphin County, Pennsylvania
1.0% of Dauphin 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 31%.
Hover or tap a county for its grade.
Banks behind this number
11 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 21.0% |
| Bank of Bird-in-Hand | Bird In Hand, PA | $1.9B | Below | — | 7.3% |
| First National Bank of Pennsylvania | Greenville, PA | $51B | Below | — | 4.0% |
| Orrstown Bank | Harrisburg, PA | $5.6B | Approaching | — | 3.0% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 2.7% |
| First Commonwealth Bank | Indiana, PA | $12B | Below | — | 2.5% |
| Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $2.3B | Above threshold | C1+C2 | 2.4% |
| Pennian Bank | Mifflintown, PA | $0.7B | Below | — | 1.8% |
| S&T Bank | Indiana, PA | $9.9B | Concentrated | 300%+, growth test not met | 1.6% |
| Northwest Bank | Warren, PA | $17B | Below | — | 0.5% |
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met21.0% of bank deposits
- Bank of Bird-in-HandBelowBird In Hand, PA$1.9B—7.3% of bank deposits
- Greenville, PA$51B—4.0% of bank deposits
- Orrstown BankApproachingHarrisburg, PA$5.6B—3.0% of bank deposits
- Lancaster, PA$33B—2.7% of bank deposits
- Indiana, PA$12B—2.5% of bank deposits
- Farmers and Merchants Trust Company of ChambersburgAbove thresholdChambersburg, PA$2.3BC1+C22.4% of bank deposits
- Pennian BankBelowMifflintown, PA$0.7B—1.8% of bank deposits
- S&T BankConcentratedIndiana, PA$9.9B300%+, growth test not met1.6% of bank deposits
- Northwest BankBelowWarren, PA$17B—0.5% 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 11 banks under $100B in assets with a branch in Dauphin County is above a regulatory CRE concentration threshold, and it holds 1.0% 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 31%. 1 more sits within one quarter of a threshold.
Coverage is 55%: the rest of the deposits in Dauphin 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.