| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Visions Federal Credit Union | Credit union | 5 | $410.4M* | 41.56% |
| 2 | Tioga State Bank National Association | Bank | 4 | $270.1M | 27.35% |
| 3 | Chemung Canal Trust Company, National Association | Bank | 2 | $152.8M | 15.47% |
| 4 | NBT Bank, National Association | Bank | 1 | $54.7M | 5.54% |
| 5 | Manufacturers and Traders Trust Company | Bank | 1 | $53.5M | 5.42% |
| 6 | Community Bank, National Association | Bank | 1 | $46.0M | 4.66% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $987.5M | 6 | 14 | Visions Federal Credit Union | 41.6% | 2,796 |
| 2025 | $987.4M | 6 | 16 | Visions Federal Credit Union | 45.1% | 2,930 |
| 2024 | $1.05B | 6 | 16 | Visions Federal Credit Union | 45.0% | 2,967 |
| 2023 | $1.05B | 6 | 17 | Visions Federal Credit Union | 49.3% | 3,204 |
| 2022 | $1.10B | 6 | 17 | Visions Federal Credit Union | 49.0% | 3,209 |
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