| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Bank of Utica | Bank | 1 | $1.07B | 15.11% |
| 2 | First Source Federal Credit Union | Credit union | 5 | $832.6M* | 11.72% |
| 3 | NBT Bank, National Association | Bank | 6 | $744.2M | 10.47% |
| 4 | Manufacturers and Traders Trust Company | Bank | 6 | $718.9M | 10.12% |
| 5 | Beacon Bank and Trust | Bank | 6 | $607.9M | 8.55% |
| 6 | Adirondack Bank | Bank | 9 | $605.7M | 8.52% |
| 7 | KeyBank National Association | Bank | 6 | $517.7M | 7.29% |
| 8 | Americu Credit Union | Credit union | 4 | $461.7M* | 6.50% |
| 9 | Community Bank, National Association | Bank | 6 | $392.3M | 5.52% |
| 10 | G.P.O. Federal Credit Union | Credit union | 6 | $368.2M* | 5.18% |
| 12 more institutions, year-over-year share and branch changes with Pro →$29/mo, cancel any time. | |||||
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $7.11B | 22 | 74 | Bank of Utica | 15.1% | 898 |
| 2025 | $7.07B | 22 | 74 | Bank of Utica | 14.8% | 889 |
| 2024 | $6.67B | 23 | 76 | Bank of Utica | 14.3% | 875 |
| 2023 | $6.78B | 23 | 77 | Bank of Utica | 15.1% | 880 |
| 2022 | $7.18B | 23 | 78 | Bank of Utica | 17.0% | 896 |
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.