| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Bank of Utica | Bank | 1 | $1.07B | 12.88% |
| 2 | Manufacturers and Traders Trust Company | Bank | 10 | $1.01B | 12.05% |
| 3 | First Source Federal Credit Union | Credit union | 6 | $999.1M* | 11.98% |
| 4 | Adirondack Bank | Bank | 14 | $843.4M | 10.11% |
| 5 | NBT Bank, National Association | Bank | 7 | $836.2M | 10.03% |
| 6 | Beacon Bank and Trust | Bank | 8 | $729.1M | 8.74% |
| 7 | Americu Credit Union | Credit union | 5 | $577.1M* | 6.92% |
| 8 | KeyBank National Association | Bank | 6 | $517.7M | 6.21% |
| 9 | G.P.O. Federal Credit Union | Credit union | 8 | $490.9M* | 5.88% |
| 10 | Community Bank, National Association | Bank | 7 | $464.0M | 5.56% |
| 13 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 | $8.34B | 23 | 93 | Bank of Utica | 12.9% | 902 |
| 2025 | $8.33B | 23 | 93 | Bank of Utica | 12.5% | 885 |
| 2024 | $7.90B | 24 | 95 | Manufacturers and Traders Trust Company | 12.3% | 877 |
| 2023 | $8.09B | 24 | 97 | Bank of Utica | 12.7% | 867 |
| 2022 | $8.51B | 24 | 98 | Bank of Utica | 14.3% | 873 |
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.