| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Tompkins Bank & Trust | Bank | 4 | $417.5M | 26.92% |
| 2 | Five Star Bank | Bank | 2 | $250.7M | 16.17% |
| 3 | Manufacturers and Traders Trust Company | Bank | 2 | $208.1M | 13.42% |
| 4 | Bank of America, National Association | Bank | 1 | $195.8M | 12.63% |
| 5 | ESL Federal Credit Union | Credit union | 1 | $183.8M* | 11.85% |
| 6 | Tonawanda Valley Federal Credit Union | Credit union | 1 | $151.1M* | 9.74% |
| 7 | KeyBank National Association | Bank | 2 | $129.0M | 8.32% |
| 8 | Le Roy Federal Credit Union | Credit union | 1 | $6.2M* | 0.40% |
| 9 | Wilmington Trust, National Association | Bank | 1 | $4.9M | 0.32% |
| 10 | Woodforest National Bank | Bank | 1 | $3.5M | 0.22% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.55B | 10 | 16 | Tompkins Bank & Trust | 26.9% | 1,631 |
| 2025 | $1.56B | 10 | 16 | Tompkins Bank & Trust | 25.2% | 1,571 |
| 2024 | $1.59B | 10 | 16 | Tompkins Bank & Trust | 23.6% | 1,550 |
| 2023 | $1.58B | 10 | 16 | Tompkins Bank & Trust | 23.8% | 1,546 |
| 2022 | $1.61B | 10 | 16 | Tompkins Bank & Trust | 23.8% | 1,542 |
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.