ZIP profile

Banking access in ZIP 18635

Pennsylvania · Luzerne PA. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 0.1334. 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 index0.1334
National pressure rank#7,418 of 20,307
National percentile60.66
State pressure rank#271 of 1,003
State percentile72.38
Weighted banking-desert geography0.13%
Weighted potential-desert geography0.00%
Population banking-desert exposure0.06%
Population potential-desert exposure0.00%
Allocated population4,004.23
Allocated population in banking deserts2.52

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-Hispanic3.160.000.00%LIMITED
Asian non-Hispanic6.360.030.53%LIMITED
Black non-Hispanic34.340.000.00%LIMITED
Residents with disabilities651.150.390.06%LIMITED
Hispanic70.190.010.01%LIMITED
Older residents806.760.760.09%LIMITED
Other race non-Hispanic0.000.00UnavailableNOT_AVAILABLE
People of color136.210.040.03%LIMITED
Two or more races non-Hispanic22.150.000.00%LIMITED
White non-Hispanic3,868.022.480.06%STANDARD

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 →