| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Pathfinder Bank | Bank | 7 | $761.3M | 31.39% |
| 2 | Empower Federal Credit Union | Credit union | 3 | $444.4M* | 18.32% |
| 3 | Community Bank, National Association | Bank | 4 | $302.0M | 12.45% |
| 4 | Fulton Savings Bank | Bank | 4 | $243.0M | 10.02% |
| 5 | NBT Bank, National Association | Bank | 4 | $208.0M | 8.58% |
| 6 | KeyBank National Association | Bank | 4 | $148.7M | 6.13% |
| 7 | Oswego County Federal Credit Union | Credit union | 5 | $126.6M* | 5.22% |
| 8 | JPMorgan Chase Bank, National Association | Bank | 1 | $70.8M | 2.92% |
| 9 | Compass Federal Credit Union | Credit union | 7 | $70.6M* | 2.91% |
| 10 | Oswego Teachers Employees Federal Credit Union | Credit union | 1 | $50.2M* | 2.07% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $2.43B | 10 | 40 | Pathfinder Bank | 31.4% | 1,736 |
| 2024 | $2.49B | 10 | 40 | Pathfinder Bank | 34.0% | 1,885 |
| 2023 | $2.58B | 10 | 41 | Pathfinder Bank | 33.6% | 1,875 |
| 2022 | $2.63B | 10 | 40 | Pathfinder Bank | 34.0% | 1,888 |
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.