| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Pathfinder Bank | Bank | 7 | $714.9M | 30.01% |
| 2 | Empower Federal Credit Union | Credit union | 3 | $448.3M* | 18.82% |
| 3 | Community Bank, National Association | Bank | 4 | $290.9M | 12.21% |
| 4 | NBT Bank, National Association | Bank | 4 | $230.5M | 9.67% |
| 5 | Fulton Savings Bank | Bank | 4 | $221.8M | 9.31% |
| 6 | KeyBank National Association | Bank | 4 | $146.0M | 6.13% |
| 7 | Oswego County Federal Credit Union | Credit union | 5 | $132.7M* | 5.57% |
| 8 | Compass Federal Credit Union | Credit union | 6 | $72.9M* | 3.06% |
| 9 | JPMorgan Chase Bank, National Association | Bank | 1 | $72.4M | 3.04% |
| 10 | Oswego Teachers Employees Federal Credit Union | Credit union | 1 | $51.8M* | 2.17% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $2.38B | 10 | 39 | Pathfinder Bank | 30.0% | 1,676 |
| 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 | 33.5% | 1,874 |
| 2022 | $2.64B | 10 | 40 | Pathfinder Bank | 33.8% | 1,886 |
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.