Liquidity & Balance Sheet · Pennsylvania
US Banks with Highest Loan-to-Deposit Ratio in Pennsylvania
Ranked among banks headquartered in Pennsylvania. Re-ranked 1-100 within the state from the same national ranking population.
#1 Loan-to-Deposit Ratio:APOLLO TRUST COMPANY — 124.68% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
| # | Bank | HQ | US Banks with … | Total Assets |
|---|---|---|---|---|
| 1 | APOLLO TRUST COMPANY | APOLLO , PA | 124.68% | $211M |
| 2 | Jersey Shore State Bank | Williamsport , PA | 119.99% | $1.6B |
| 3 | ESSA Bank & Trust | Stroudsburg , PA | 118.37% | $2.2B |
| 4 | KISH BANK | BELLEVILLE , PA | 112.91% | $2.0B |
| 5 | ASIAN BANK | PHILADELPHIA , PA | 111.26% | $685M |
| 6 | HATBORO FEDERAL SAVINGS | HATBORO , PA | 107.83% | $591M |
| 7 | ELDERTON STATE BANK | ELDERTON , PA | 106.98% | $452M |
| 8 | BRENTWOOD BANK | BETHEL PARK , PA | 106.83% | $1.0B |
| 9 | HYPERION BANK | PHILADELPHIA , PA | 106.27% | $553M |
| 10 | GREENVILLE SAVINGS BANK | GREENVILLE , PA | 105.10% | $342M |
| 11 | BANK OF BIRD-IN-HAND | BIRD IN HAND , PA | 103.16% | $1.8B |
| 12 | QUAINT OAK BANK | SOUTHAMPTON , PA | 102.54% | $644M |
| 13 | MERIDIAN BANK | MALVERN , PA | 102.16% | $2.6B |
| 14 | UNIVEST BANK AND TRUST CO. | HILLTOWN , PA | 100.47% | $8.1B |
| 15 | The Victory Bank | Limerick , PA | 100.07% | $456M |
| 16 | LINKBANK | Camp Hill , PA | 99.94% | $3.1B |
| 17 | HARLEYSVILLE BANK | HARLEYSVILLE , PA | 99.71% | $958M |
| 18 | Presence Bank | Coatesville , PA | 99.18% | $456M |
| 19 | ATLANTIC COMMUNITY BANKERS BANK | CAMP HILL , PA | 98.91% | $923M |
| 20 | INFIRST BANK | INDIANA , PA | 98.28% | $673M |
| 21 | FIRST RESOURCE BANK | EXTON , PA | 97.60% | $811M |
| 22 | MCS BANK | MILROY , PA | 97.55% | $223M |
| 23 | SHARON BANK | SPRINGFIELD , PA | 97.20% | $171M |
| 24 | S & T BANK | INDIANA , PA | 96.83% | $9.9B |
| 25 | CITIZENS SAVINGS BANK | CLARKS SUMMIT , PA | 95.87% | $359M |
| 26 | JONESTOWN BANK AND TRUST COMPANY OF JONESTOWN, PENNSYLVANIA | JONESTOWN , PA | 95.81% | $1.0B |
| 27 | DOLLAR BANK, FEDERAL SAVINGS BANK | PITTSBURGH , PA | 95.40% | $12.5B |
| 28 | AMERICAN BANK | ALLENTOWN , PA | 95.39% | $1.1B |
| 29 | PEOPLES SECURITY BANK AND TRUST COMPANY | DUNMORE , PA | 94.66% | $5.4B |
| 30 | The Luzerne Bank | Luzerne , PA | 94.50% | $722M |
| 31 | RELIANCE SAVINGS BANK | ALTOONA , PA | 94.02% | $663M |
| 32 | FIRST CITIZENS COMMUNITY BANK | MANSFIELD , PA | 93.74% | $3.0B |
| 33 | FIRSTRUST SAVINGS BANK | CONSHOHOCKEN , PA | 93.67% | $5.6B |
| 34 | ACNB BANK | GETTYSBURG , PA | 92.80% | $3.3B |
| 35 | CLARION COUNTY COMMUNITY BANK | CLARION , PA | 92.26% | $260M |
| 36 | MID PENN BANK | MILLERSBURG , PA | 92.23% | $6.9B |
| 37 | HONESDALE NATIONAL BANK, THE | HONESDALE , PA | 91.94% | $1.2B |
| 38 | Traditions Bank | York , PA | 91.89% | $870M |
| 39 | CITIZENS & NORTHERN BANK | WELLSBORO , PA | 91.14% | $3.2B |
| 40 | MARQUETTE SAVINGS BANK | ERIE , PA | 90.78% | $1.4B |
| 41 | HAVERFORD TRUST COMPANY, THE | RADNOR , PA | 90.75% | $178M |
| 42 | NORTHWEST BANK | WARREN , PA | 90.57% | $16.9B |
| 43 | ENTERPRISE BANK | ALLISON PARK , PA | 90.46% | $507M |
| 44 | FIRST NATIONAL BANK OF PENNSYLVANIA | GREENVILLE , PA | 90.10% | $50.4B |
| 45 | FIRST COMMONWEALTH BANK | INDIANA , PA | 90.04% | $12.2B |
| 46 | FULTON BANK, NATIONAL ASSOCIATION | LANCASTER , PA | 89.78% | $32.1B |
| 47 | NEW TRIPOLI BANK | NEW TRIPOLI , PA | 88.98% | $673M |
| 48 | WAYNE BANK | HONESDALE , PA | 88.75% | $2.9B |
| 49 | TURBOTVILLE NATIONAL BANK, THE | TURBOTVILLE , PA | 88.66% | $236M |
| 50 | IRON WORKERS SAVINGS BANK | ASTON , PA | 88.59% | $213M |
| 51 | PENN COMMUNITY BANK | DOYLESTOWN , PA | 88.59% | $3.0B |
| 52 | NEXTIER BANK, NA | KITTANNING , PA | 88.54% | $2.9B |
| 53 | CNB BANK | CLEARFIELD , PA | 88.50% | $8.5B |
| 54 | WASHINGTON FINANCIAL BANK | WASHINGTON , PA | 88.40% | $1.5B |
| 55 | PHOENIXVILLE FEDERAL BANK AND TRUST | PHOENIXVILLE , PA | 88.23% | $654M |
| 56 | ORRSTOWN BANK | HARRISBURG , PA | 87.76% | $5.6B |
| 57 | TRISTATE CAPITAL BANK | PITTSBURGH , PA | 86.06% | $23.2B |
| 58 | DIME BANK, THE | HONESDALE , PA | 85.90% | $1.1B |
| 59 | COMMUNITY BANK | CARMICHAELS , PA | 83.72% | $1.6B |
| 60 | COMMUNITY STATE BANK OF ORBISONIA | ORBISONIA , PA | 83.58% | $472M |
| 61 | FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG | CHAMBERSBURG , PA | 83.28% | $2.3B |
| 62 | HOMETOWN BANK OF PENNSYLVANIA | BEDFORD , PA | 82.69% | $453M |
| 63 | CENTRAL PENN BANK & TRUST | MIFFLINBURG , PA | 82.23% | $1.3B |
| 64 | FIRST KEYSTONE COMMUNITY BANK | BERWICK , PA | 82.11% | $1.5B |
| 65 | JOURNEY BANK | BLOOMSBURG , PA | 81.12% | $1.7B |
| 66 | AMERISERV FINANCIAL BANK | JOHNSTOWN , PA | 81.11% | $1.5B |
| 67 | SOMERSET TRUST COMPANY | SOMERSET , PA | 80.74% | $2.5B |
| 68 | MARION CENTER BANK | INDIANA , PA | 80.70% | $422M |
| 69 | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF GREENE COUNTY | WAYNESBURG , PA | 80.55% | $1.0B |
| 70 | CUSTOMERS BANK | MALVERN , PA | 80.12% | $25.9B |
| 71 | Susquehanna Community Bank | West Milton , PA | 79.85% | $587M |
| 72 | EPHRATA NATIONAL BANK | EPHRATA , PA | 79.51% | $2.4B |
| 73 | FIDELITY DEPOSIT AND DISCOUNT BANK, THE | DUNMORE , PA | 78.54% | $2.9B |
| 74 | BANK OF LANDISBURG, THE | LANDISBURG , PA | 78.27% | $419M |
| 75 | HAMLIN BANK AND TRUST COMPANY | SMETHPORT , PA | 77.77% | $496M |
| 76 | QNB BANK | QUAKERTOWN , PA | 77.58% | $1.9B |
| 77 | AMBLER SAVINGS BANK | AMBLER , PA | 77.42% | $517M |
| 78 | JUNIATA VALLEY BANK, THE | MIFFLINTOWN , PA | 77.36% | $901M |
| 79 | WOODLANDS BANK | WILLIAMSPORT , PA | 77.09% | $633M |
| 80 | EMBASSY BANK FOR THE LEHIGH VALLEY | BETHLEHEM , PA | 77.03% | $1.8B |
| 81 | NATIONAL BANK OF MALVERN, THE | MALVERN , PA | 75.84% | $222M |
| 82 | FIRST NORTHERN BANK AND TRUST COMPANY | PALMERTON , PA | 75.51% | $930M |
| 83 | 1ST SUMMIT BANK | JOHNSTOWN , PA | 75.36% | $1.5B |
| 84 | MERCER COUNTY STATE BANK | SANDY LAKE , PA | 75.26% | $602M |
| 85 | PENNIAN BANK | MIFFLINTOWN , PA | 75.22% | $657M |
| 86 | PS BANK | WYALUSING , PA | 74.35% | $662M |
| 87 | PENNCREST BANK | ALTOONA , PA | 74.22% | $243M |
| 88 | The Northumberland National Bank | Northumberland , PA | 73.93% | $684M |
| 89 | SSB BANK | PITTSBURGH , PA | 73.75% | $435M |
| 90 | CFSBANK | CHARLEROI , PA | 73.60% | $752M |
| 91 | BNY MELLON, NATIONAL ASSOCIATION | PITTSBURGH , PA | 71.10% | $30.9B |
| 92 | WILLIAM PENN BANK | BRISTOL , PA | 70.87% | $766M |
| 93 | WEST VIEW SAVINGS BANK | PITTSBURGH , PA | 70.76% | $365M |
| 94 | SLOVENIAN SAVINGS & LOAN ASSOCIATION OF FRANKLIN-CONEMAUGH | JOHNSTOWN , PA | 70.73% | $181M |
| 95 | ALTOONA FIRST SAVINGS BANK | ALTOONA , PA | 70.70% | $335M |
| 96 | NEFFS NATIONAL BANK, THE | NEFFS , PA | 69.63% | $467M |
| 97 | FLEETWOOD BANK | FLEETWOOD , PA | 65.30% | $399M |
| 98 | FARMERS BUILDING AND SAVINGS BANK | ROCHESTER , PA | 62.96% | $122M |
| 99 | INVESTMENT SAVINGS BANK | ALTOONA , PA | 59.52% | $106M |
| 100 | FIRST UNITED NATIONAL BANK | FRYBURG , PA | 58.43% | $370M |
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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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