| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | NBT Bank, National Association | Bank | 5 | $464.5M | 30.91% |
| 2 | KeyBank National Association | Bank | 3 | $352.2M | 23.44% |
| 3 | Empower Federal Credit Union | Credit union | 1 | $149.4M* | 9.94% |
| 4 | Broadview Federal Credit Union | Credit union | 1 | $137.1M* | 9.13% |
| 5 | Community Bank, National Association | Bank | 2 | $128.3M | 8.54% |
| 6 | Sidney Federal Credit Union | Credit union | 1 | $87.5M* | 5.83% |
| 7 | Beacon Bank and Trust | Bank | 1 | $67.9M | 4.52% |
| 8 | M. C. T. Federal Credit Union | Credit union | 1 | $61.8M* | 4.12% |
| 9 | TrustCo Bank | Bank | 1 | $37.0M | 2.47% |
| 10 | Remington Federal Credit Union | Credit union | 1 | $16.9M* | 1.12% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.50B | 10 | 17 | NBT Bank, National Association | 30.9% | 1,839 |
| 2025 | $1.46B | 9 | 16 | NBT Bank, National Association | 31.4% | 1,924 |
| 2024 | $1.38B | 9 | 16 | NBT Bank, National Association | 34.9% | 2,146 |
| 2023 | $1.39B | 9 | 16 | NBT Bank, National Association | 32.2% | 1,960 |
| 2022 | $1.45B | 9 | 16 | NBT Bank, National Association | 30.2% | 1,891 |
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.