| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | NBT Bank, National Association | Bank | 5 | $689.6M | 57.62% |
| 2 | KeyBank National Association | Bank | 2 | $177.6M | 14.84% |
| 3 | First Choice Financial Federal Credit Union | Credit union | 3 | $159.4M* | 13.32% |
| 4 | Citizens Bank, National Association | Bank | 1 | $84.4M | 7.05% |
| 5 | Community Bank, National Association | Bank | 1 | $82.2M | 6.87% |
| 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 |
|---|---|---|---|---|---|---|
| 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 | $1.10B | 6 | 13 | NBT Bank, National Association | 57.3% | 3,801 |
| 2022 | $1.13B | 6 | 13 | NBT Bank, National Association | 57.8% | 3,836 |
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.