| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Community Bank, National Association | Bank | 6 | $523.3M | 56.72% |
| 2 | KeyBank National Association | Bank | 1 | $102.9M | 11.15% |
| 3 | Trunorthern Federal Credit Union | Credit union | 4 | $80.6M* | 8.74% |
| 4 | Sea Comm Federal Credit Union | Credit union | 1 | $72.4M* | 7.85% |
| 5 | NBT Bank, National Association | Bank | 1 | $48.7M | 5.28% |
| 6 | Adirondack Bank | Bank | 2 | $41.0M | 4.45% |
| 7 | Adirondack Regional Federal Credit Union | Credit union | 1 | $20.0M* | 2.16% |
| 8 | Tri-Lakes Federal Credit Union | Credit union | 1 | $12.3M* | 1.33% |
| 9 | The North Country Savings Bank | Bank | 3 | $10.9M | 1.19% |
| 10 | Champlain National Bank | Bank | 1 | $10.5M | 1.13% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $922.6M | 10 | 21 | Community Bank, National Association | 56.7% | 3,536 |
| 2025 | $913.6M | 10 | 21 | Community Bank, National Association | 58.6% | 3,721 |
| 2024 | $864.3M | 10 | 20 | Community Bank, National Association | 58.0% | 3,668 |
| 2023 | $858.4M | 10 | 17 | Community Bank, National Association | 58.8% | 3,748 |
| 2022 | $930.4M | 8 | 15 | Community Bank, National Association | 56.8% | 3,569 |
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.