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CPBJ Extra Blog

Is PeoplesBank coming to Camp Hill?

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Could PeoplesBank be making its first move out of York County?

If Twitter can be believed, it sure looks like it. According to a Tweet from York County-based commercial real estate company Bennett Williams: (please scroll down for tweet)

The building formerly belonged to JC Bar Properties Inc., which has moved to an office at 415 Fallowfield Road in Hampden Township.

If PeoplesBank intends to open a branch there, it’s the kind of move Ebby Calvin “Nuke” LaLoosh from “Bull Durham” would love, because it announces its presence with authority.

It’s one of the busiest residential traffic areas of the midstate, or at least the West Shore. Any business that moves in at that spot could see decent numbers simply because the area is so busy.

The caveat here is that I called a few people at York-based PeoplesBank, and no one got back to me on this. Neither did Bob Behler, the listing agent for the property from Bennett Williams. And there is no application at the Pennsylvania Department of Banking and Securities for a new branch at that location, according to department spokesman Edward Novak III.

So this isn’t even confirmed yet — but it’s the kind of thing that’s fun to think about. If it is opening a new branch there, PeoplesBank sure picked a competitive spot for a possible move to the Harrisburg-area market. There are no less than six other bank branches within sight of what would be PeoplesBank’s front door. Not just walking distance — sight distance. Like, look out the window, and they’re there.

Across Market Street is an Orrstown Bank branch. In the Camp Hill Shopping Center, just a hop, skip and a jump away, there are branches of heavyweights PNC, Santander, Metro and Wells Fargo. A block away on Market Street is not only Integrity Bank’s busiest Cumberland County branch, but also its corporate offices. That doesn’t even include the bank and credit union branches less than a mile away on Trindle Road, across from the busy Giant intersection — Fulton and Belco. M&T’s busiest Cumberland County branch and far and away the busiest branch of that cluster is about a mile away on Trindle Road in front of the West Shore YMCA. Members 1st is only a short walk away on Market Street as well.

According to the Federal Deposit Insurance Corp., the Trindle Road M&T branch took in nearly $600 million in deposits from July 1, 2012, to June 30, 2013. Integrity’s home office was second at $304 million.

But it’s not like the other banks are tearing it up in that cluster. Only PNC is over $100 million ($102 million) in deposits, while Orrstown ($23 million) and Fulton ($25 million) are somewhat low.

There are two ways to look at that. You can say M&T gobbled up all the business there, and the other banks are just saturating the immediate market.

Or you can take what looks like PeoplesBank’s view — there is available money to be made in an affluent neighborhood in a highly visible spot.

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