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Lists · Deposits by county

Washington County, MD Bank Deposit Market Share

Fulton Bank, N.A. holds the largest share of deposits in Washington County, MD, 18.5%, followed by Middletown Valley Bank (17.5%) and Manufacturers and Traders Trust Company (16.9%). 13 institutions hold $3.41B at 40 offices as of June 30, 2026, up 4.1% from 2025.

Institutions: 13 Offices: 40 Deposits: $3.41B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Middletown Valley Bank (1.27 points); Farmers and Merchants Trust Company of Chambersburg (0.71 points); First United Bank & Trust (0.70 points).

Lost: Manufacturers and Traders Trust Company (-0.90 points); Fulton Bank, N.A. (-0.78 points); Truist Bank (-0.73 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 Fulton Bank, N.A. 4 $629.4M 18.45% -0.78 pts -0.1%
2 Middletown Valley Bank 3 $596.1M 17.48% +1.27 pts 12.3%
3 Manufacturers and Traders Trust Company 9 $577.9M 16.94% -0.90 pts -1.2%
4 Truist Bank 5 $544.7M 15.97% -0.73 pts -0.4%
5 PNC Bank, N.A. 3 $371.6M 10.90% -0.06 pts 3.5%
6 First United Bank & Trust 5 $193.0M 5.66% +0.70 pts 18.9%
7 CNB Bank, Inc. 4 $178.4M 5.23% +0.05 pts 5.2%
8 United Bank 2 $128.5M 3.77% -0.42 pts -6.4%
9 Orrstown Bank 1 $77.9M 2.28% +0.05 pts 6.3%
10 Farmers and Merchants Trust Company of Chambersburg 1 $50.8M 1.49% +0.71 pts 98.5%
11 Potomac Bank, Inc. 1 $30.4M 0.89% +0.03 pts 7.2%
12 Ameriserv Financial Bank 1 $25.6M 0.75% +0.07 pts 15.4%
13 Jefferson Security Bank 1 $6.4M 0.19% +0.01 pts 8.7%

About this list

Deposits are those held at each institution's offices in Washington County as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.

Wider markets

Maryland deposits by institution Hagerstown-Martinsburg, MD-WV metro area Maryland bank directory

Other counties in Maryland

Montgomery CountyBaltimore CityBaltimore CountyAnne Arundel CountyPrince George's CountyHoward CountyFrederick CountyCarroll CountyHarford CountyCharles CountyWorcester CountyWicomico CountyCalvert CountyTalbot CountySt. Mary's CountyQueen Anne's CountyCecil CountyAllegany CountyGarrett CountyDorchester CountyCaroline CountyKent CountySomerset County

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