| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Farmers & Merchants Bank | Bank | 4 | $654.2M | 33.97% |
| 2 | Merck Employees Federal Credit Union | Credit union | 1 | $411.2M* | 21.35% |
| 3 | Park View Federal Credit Union | Credit union | 4 | $229.2M* | 11.90% |
| 4 | Truist Bank | Bank | 2 | $195.7M | 10.16% |
| 5 | The First Bank and Trust Company | Bank | 1 | $106.0M | 5.50% |
| 6 | United Bank | Bank | 3 | $97.9M | 5.08% |
| 7 | Pendleton Community Bank, Inc. | Bank | 2 | $96.3M | 5.00% |
| 8 | Atlantic Union Bank | Bank | 1 | $65.7M | 3.41% |
| 9 | First Bank | Bank | 1 | $46.5M | 2.42% |
| 10 | Burke & Herbert Bank & Trust Company | Bank | 1 | $23.3M | 1.21% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.93B | 10 | 20 | Farmers & Merchants Bank | 34.0% | 1,955 |
| 2025 | $1.88B | 10 | 20 | Farmers & Merchants Bank | 33.3% | 1,955 |
| 2024 | $1.82B | 10 | 21 | Farmers & Merchants Bank | 33.1% | 1,816 |
| 2023 | $1.75B | 10 | 21 | Farmers & Merchants Bank | 33.6% | 1,846 |
| 2022 | $1.77B | 10 | 22 | Farmers & Merchants Bank | 33.1% | 1,797 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.