| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Bank of Utica | Bank | 1 | $1.04B | 17.62% |
| 2 | First Source Federal Credit Union | Credit union | 5 | $805.0M* | 13.60% |
| 3 | NBT Bank, National Association | Bank | 6 | $786.4M | 13.29% |
| 4 | Manufacturers and Traders Trust Company | Bank | 7 | $721.3M | 12.19% |
| 5 | KeyBank National Association | Bank | 6 | $513.7M | 8.68% |
| 6 | Americu Credit Union | Credit union | 4 | $511.9M* | 8.65% |
| 7 | Community Bank, National Association | Bank | 6 | $387.5M | 6.55% |
| 8 | G.P.O. Federal Credit Union | Credit union | 6 | $340.4M* | 5.75% |
| 9 | Access Federal Credit Union | Credit union | 4 | $212.6M* | 3.59% |
| 10 | Citizens Bank, National Association | Bank | 2 | $175.7M | 2.97% |
| 10 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 |
|---|---|---|---|---|---|---|
| 2025 | $5.92B | 20 | 59 | Bank of Utica | 17.6% | 1,079 |
| 2024 | $5.53B | 21 | 61 | Bank of Utica | 17.3% | 1,059 |
| 2023 | $5.70B | 21 | 62 | Bank of Utica | 18.0% | 1,068 |
| 2022 | $6.13B | 21 | 63 | Bank of Utica | 19.9% | 1,084 |
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.