| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | NBT Bank, National Association | Bank | 10 | $894.0M | 65.15% |
| 2 | Sidney Federal Credit Union | Credit union | 3 | $262.6M* | 19.14% |
| 3 | Ghs Federal Credit Union | Credit union | 1 | $108.6M* | 7.91% |
| 4 | Visions Federal Credit Union | Credit union | 1 | $82.1M* | 5.98% |
| 5 | Community Bank, National Association | Bank | 1 | $25.0M | 1.82% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.37B | 5 | 16 | NBT Bank, National Association | 65.2% | 4,713 |
| 2025 | $1.51B | 5 | 17 | NBT Bank, National Association | 71.1% | 5,369 |
| 2024 | $1.41B | 6 | 18 | NBT Bank, National Association | 66.8% | 4,808 |
| 2023 | $1.40B | 6 | 18 | NBT Bank, National Association | 59.8% | 4,245 |
| 2022 | $1.38B | 6 | 18 | NBT Bank, National Association | 58.9% | 4,161 |
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.