| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Citizens & Northern Bank | Bank | 6 | $561.3M | 26.93% |
| 2 | First Citizens Community Bank | Bank | 8 | $464.4M | 22.28% |
| 3 | PS Bank | Bank | 4 | $309.2M | 14.84% |
| 4 | Visions Federal Credit Union | Credit union | 2 | $164.2M* | 7.88% |
| 5 | Manufacturers and Traders Trust Company | Bank | 2 | $163.4M | 7.84% |
| 6 | Guthrie Community Federal Credit Union | Credit union | 2 | $112.4M* | 5.40% |
| 7 | Ingersoll-Rand Federal Credit Union | Credit union | 2 | $107.1M* | 5.14% |
| 8 | Chemung Canal Trust Company, National Association | Bank | 2 | $61.9M | 2.97% |
| 9 | Alero Financial Credit Union | Credit union | 1 | $51.4M* | 2.47% |
| 10 | Community Bank, National Association | Bank | 1 | $47.4M | 2.27% |
| 1 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 | $2.08B | 11 | 31 | Citizens & Northern Bank | 26.9% | 1,645 |
| 2025 | $2.03B | 11 | 31 | Citizens & Northern Bank | 27.1% | 1,654 |
| 2024 | $1.93B | 11 | 30 | Citizens & Northern Bank | 27.3% | 1,725 |
| 2023 | $1.98B | 11 | 30 | Citizens & Northern Bank | 26.9% | 1,691 |
| 2022 | $2.02B | 11 | 33 | Citizens & Northern Bank | 25.4% | 1,595 |
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.