| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | NBT Bank, National Association | Bank | 5 | $665.8M | 56.36% |
| 2 | KeyBank National Association | Bank | 2 | $182.5M | 15.45% |
| 3 | First Choice Financial Federal Credit Union | Credit union | 3 | $161.7M* | 13.69% |
| 4 | Community Bank, National Association | Bank | 1 | $87.8M | 7.44% |
| 5 | Citizens Bank, National Association | Bank | 1 | $79.8M | 6.76% |
| 6 | Upstate Telco Federal Credit Union | Credit union | 1 | $3.6M* | 0.30% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.18B | 6 | 13 | NBT Bank, National Association | 56.4% | 3,704 |
| 2025 | $1.20B | 6 | 13 | NBT Bank, National Association | 57.6% | 3,815 |
| 2024 | $1.15B | 6 | 13 | NBT Bank, National Association | 57.4% | 3,791 |
| 2023 | $1.11B | 6 | 13 | NBT Bank, National Association | 57.2% | 3,791 |
| 2022 | $1.13B | 6 | 13 | NBT Bank, National Association | 57.7% | 3,825 |
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.