ZIP profile

Banking access in ZIP 18612

Pennsylvania · Luzerne PA. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 9.7852. Higher values indicate more measured physical banking-access pressure. This measure does not identify bank branches, drive-through hours, individual banking behavior, or overall neighborhood quality.

Banking-access measures

Pressure index9.7852
National pressure rank#4,381 of 20,307
National percentile75.93
State pressure rank#144 of 1,003
State percentile85.04
Weighted banking-desert geography9.79%
Weighted potential-desert geography0.00%
Population banking-desert exposure7.23%
Population potential-desert exposure0.00%
Allocated population16,325.88
Allocated population in banking deserts1,180.61

Geographic shares and population shares use different denominators. Published ranks and percentiles are preserved, including ties. Population estimates are displayed to two decimals; exact source values are in the downloads.

People & financial access

Estimated population-group exposure to banking-desert geography. These are allocated estimates, not counts of unbanked people. Groups overlap and must not be added together.

Population groupRepresented estimateExposed estimateExposure shareEvidence tier
American Indian / Alaska Native non-Hispanic63.220.851.35%LIMITED
Asian non-Hispanic150.2124.8916.57%LIMITED
Black non-Hispanic216.733.541.63%LIMITED
Residents with disabilities1,730.08198.6611.48%STANDARD
Hispanic252.947.312.89%LIMITED
Older residents3,597.55221.246.15%STANDARD
Other race non-Hispanic0.000.000.00%LIMITED
People of color833.7552.516.30%LIMITED
Two or more races non-Hispanic150.6415.9210.57%LIMITED
White non-Hispanic15,492.131,128.097.28%HIGH

Evidence tiers are passed through from the source. Missing ranks or rates remain unavailable. A zero exposure share does not guarantee that a branch is open or nearby.

Source year: 2025 in the governed ZIP profile view. Exported October 13, 2026; the export date is not an observation date. Population figures are allocated estimates; groups can overlap. Sources and interpretation →