| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Tompkins Bank & Trust | Bank | 4 | $393.6M | 25.16% |
| 2 | Five Star Bank | Bank | 2 | $246.3M | 15.75% |
| 3 | ESL Federal Credit Union | Credit union | 1 | $224.3M* | 14.34% |
| 4 | Manufacturers and Traders Trust Company | Bank | 2 | $213.0M | 13.62% |
| 5 | Bank of America, National Association | Bank | 1 | $189.9M | 12.14% |
| 6 | Tonawanda Valley Federal Credit Union | Credit union | 1 | $143.0M* | 9.14% |
| 7 | KeyBank National Association | Bank | 2 | $127.7M | 8.17% |
| 8 | Le Roy Federal Credit Union | Credit union | 1 | $18.0M* | 1.15% |
| 9 | Wilmington Trust, National Association | Bank | 1 | $5.4M | 0.34% |
| 10 | Woodforest National Bank | Bank | 1 | $3.0M | 0.19% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 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% | 1,547 |
| 2022 | $1.60B | 10 | 16 | Tompkins Bank & Trust | 23.8% | 1,543 |
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.