Pennsylvania · Q2 2026
Delaware County, Pennsylvania
29% of Delaware 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 37%.
Rated on 26% 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
13 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| The Haverford Trust Company Fewer than 12 quarters of history; criterion 2 not evaluated | Radnor, PA | $0.2B | Below | — | 100.0% |
| Iron Workers Savings Bank | Aston, PA | $0.2B | Below | — | 100.0% |
| County Savings Bank | Essington, PA | $0.1B | Below | — | 100.0% |
| Sharon Bank | Springfield, PA | $0.2B | Concentrated | 300%+, growth test not met | 91.5% |
| Meridian Bank | Wayne, PA | $2.6B | Above threshold | C1 | 53.2% |
| United Savings Bank | Philadelphia, PA | $0.5B | Below | — | 34.2% |
| First Resource Bank | Exton, PA | $0.8B | Above threshold | C1+C2 | 17.6% |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $23B | Below | — | 13.6% |
| First Bank | Hamilton, NJ | $4.1B | Concentrated | 300%+, growth test not met | 2.0% |
| Tompkins Bank & Trust | Ithaca, NY | $8.8B | Concentrated | 300%+, growth test not met | 1.3% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 0.6% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 0.4% |
| S&T Bank | Indiana, PA | $9.9B | Concentrated | 300%+, growth test not met | 0.3% |
- Radnor, PA$0.2B—100.0% of bank depositsFewer than 12 quarters of history; criterion 2 not evaluated
- Aston, PA$0.2B—100.0% of bank deposits
- County Savings BankBelowEssington, PA$0.1B—100.0% of bank deposits
- Sharon BankConcentratedSpringfield, PA$0.2B300%+, growth test not met91.5% of bank deposits
- Meridian BankAbove thresholdWayne, PA$2.6BC153.2% of bank deposits
- United Savings BankBelowPhiladelphia, PA$0.5B—34.2% of bank deposits
- First Resource BankAbove thresholdExton, PA$0.8BC1+C217.6% of bank deposits
- Wilmington, DE$23B—13.6% of bank deposits
- First BankConcentratedHamilton, NJ$4.1B300%+, growth test not met2.0% of bank deposits
- Tompkins Bank & TrustConcentratedIthaca, NY$8.8B300%+, growth test not met1.3% of bank deposits
- Lancaster, PA$33B—0.6% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met0.4% of bank deposits
- S&T BankConcentratedIndiana, PA$9.9B300%+, growth test not met0.3% 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
2 of the 13 banks under $100B in assets with a branch in Delaware County are above a regulatory CRE concentration threshold, and together they hold 29% of the county deposits this report covers. Another 5 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 37%.
Coverage is 26%: the rest of the deposits in Delaware 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.