| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | NBT Bank, National Association | Bank | 5 | $458.0M | 32.98% |
| 2 | KeyBank National Association | Bank | 3 | $360.3M | 25.94% |
| 3 | Empower Federal Credit Union | Credit union | 1 | $148.1M* | 10.66% |
| 4 | Broadview Federal Credit Union | Credit union | 1 | $128.5M* | 9.25% |
| 5 | Community Bank, National Association | Bank | 2 | $122.4M | 8.81% |
| 6 | Sidney Federal Credit Union | Credit union | 1 | $78.0M* | 5.61% |
| 7 | M. C. T. Federal Credit Union | Credit union | 1 | $59.7M* | 4.30% |
| 8 | TrustCo Bank | Bank | 1 | $33.9M | 2.44% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $1.39B | 8 | 15 | NBT Bank, National Association | 33.0% | 2,093 |
| 2024 | $1.31B | 8 | 15 | NBT Bank, National Association | 36.7% | 2,341 |
| 2023 | $1.32B | 8 | 15 | NBT Bank, National Association | 33.8% | 2,137 |
| 2022 | $1.38B | 8 | 15 | NBT Bank, National Association | 31.7% | 2,055 |
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.