ZIP profile

Banking access in ZIP 18655

Pennsylvania · Luzerne PA. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 39.4549. 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 index39.4549
National pressure rank#1,933 of 20,307
National percentile88.07
State pressure rank#63 of 1,003
State percentile93.12
Weighted banking-desert geography38.74%
Weighted potential-desert geography1.43%
Population banking-desert exposure38.76%
Population potential-desert exposure2.23%
Allocated population6,536.78
Allocated population in banking deserts2,533.74

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-Hispanic1.220.000.00%LIMITED
Asian non-Hispanic12.422.7522.11%LIMITED
Black non-Hispanic14.747.5251.03%LIMITED
Residents with disabilities998.37369.1736.98%LIMITED
Hispanic152.2051.7634.01%LIMITED
Older residents1,538.23621.6940.42%STANDARD
Other race non-Hispanic5.705.70100.00%LIMITED
People of color261.1397.0237.16%LIMITED
Two or more races non-Hispanic72.9529.3040.16%LIMITED
White non-Hispanic6,275.652,436.7238.83%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 →