| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | NBT Bank, National Association | Bank | 11 | $1.07B | 71.09% |
| 2 | Sidney Federal Credit Union | Credit union | 3 | $233.9M* | 15.51% |
| 3 | Ghs Federal Credit Union | Credit union | 1 | $103.7M* | 6.88% |
| 4 | Visions Federal Credit Union | Credit union | 1 | $74.3M* | 4.93% |
| 5 | Community Bank, National Association | Bank | 1 | $24.0M | 1.59% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 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 | $1.39B | 6 | 18 | NBT Bank, National Association | 59.8% | 4,262 |
| 2022 | $1.38B | 6 | 18 | NBT Bank, National Association | 59.0% | 4,178 |
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.