Pennsylvania · Q2 2026
Westmoreland County, Pennsylvania
0.0% of Westmoreland 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 28%.
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 |
|---|---|---|---|---|---|
| Commercial Bank and Trust of PA | Latrobe, PA | $0.4B | Below | — | 100.0% |
| Westmoreland Federal Savings and Loan Association | Latrobe, PA | $0.2B | Below | — | 100.0% |
| Apollo Trust Company | Apollo, PA | $0.2B | Below | — | 38.3% |
| Compass Savings Bank | Wilmerding, PA | $0.1B | Below | — | 26.6% |
| Somerset Trust Company | Somerset, PA | $2.5B | Below | — | 22.5% |
| S&T Bank | Indiana, PA | $9.9B | Concentrated | 300%+, growth test not met | 19.2% |
| CFSBANK | Charleroi, PA | $0.8B | Below | — | 19.1% |
| First Commonwealth Bank | Indiana, PA | $12B | Below | — | 13.3% |
| InFirst Bank | Indiana, PA | $0.7B | Below | — | 12.6% |
| Community Bank | Carmichaels, PA | $1.7B | Below | — | 10.3% |
| Dollar Bank, Federal Savings Bank | Pittsburgh, PA | $13B | Below | — | 7.7% |
| 1st Summit Bank | Johnstown, PA | $1.5B | Below | — | 7.1% |
| Ameriserv Financial Bank | Johnstown, PA | $1.5B | Concentrated | 300%+, growth test not met | 7.0% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 4.1% |
| First National Bank of Pennsylvania | Greenville, PA | $51B | Below | — | 3.4% |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Concentrated | 300%+, growth test not met | 2.9% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.1% |
- Latrobe, PA$0.4B—100.0% of bank deposits
- Latrobe, PA$0.2B—100.0% of bank deposits
- Apollo Trust CompanyBelowApollo, PA$0.2B—38.3% of bank deposits
- Compass Savings BankBelowWilmerding, PA$0.1B—26.6% of bank deposits
- Somerset, PA$2.5B—22.5% of bank deposits
- S&T BankConcentratedIndiana, PA$9.9B300%+, growth test not met19.2% of bank deposits
- CFSBANKBelowCharleroi, PA$0.8B—19.1% of bank deposits
- Indiana, PA$12B—13.3% of bank deposits
- InFirst BankBelowIndiana, PA$0.7B—12.6% of bank deposits
- Community BankBelowCarmichaels, PA$1.7B—10.3% of bank deposits
- Pittsburgh, PA$13B—7.7% of bank deposits
- 1st Summit BankBelowJohnstown, PA$1.5B—7.1% of bank deposits
- Ameriserv Financial BankConcentratedJohnstown, PA$1.5B300%+, growth test not met7.0% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met4.1% of bank deposits
- Greenville, PA$51B—3.4% of bank deposits
- NEXTIER BANK, NATIONAL ASSOCIATIONConcentratedKittanning, PA$2.9B300%+, growth test not met2.9% 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 17 banks under $100B in assets with a branch in Westmoreland County are above a regulatory CRE concentration threshold this quarter. Another 4 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 28%.
Coverage is 59%: the rest of the deposits in Westmoreland 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.