| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Bank of Utica | Bank | 1 | $1.04B | 15.33% |
| 2 | Manufacturers and Traders Trust Company | Bank | 11 | $994.0M | 14.62% |
| 3 | First Source Federal Credit Union | Credit union | 6 | $965.9M* | 14.21% |
| 4 | NBT Bank, National Association | Bank | 7 | $868.6M | 12.78% |
| 5 | Americu Credit Union | Credit union | 5 | $639.9M* | 9.41% |
| 6 | KeyBank National Association | Bank | 6 | $513.7M | 7.56% |
| 7 | Community Bank, National Association | Bank | 7 | $457.3M | 6.73% |
| 8 | G.P.O. Federal Credit Union | Credit union | 8 | $453.9M* | 6.68% |
| 9 | Access Federal Credit Union | Credit union | 4 | $212.6M* | 3.13% |
| 10 | Citizens Bank, National Association | Bank | 2 | $175.7M | 2.58% |
| 11 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 |
|---|---|---|---|---|---|---|
| 2025 | $6.80B | 21 | 71 | Bank of Utica | 15.3% | 1,074 |
| 2024 | $6.40B | 22 | 73 | Manufacturers and Traders Trust Company | 15.2% | 1,061 |
| 2023 | $6.63B | 22 | 75 | Bank of Utica | 15.5% | 1,050 |
| 2022 | $7.08B | 22 | 76 | Bank of Utica | 17.2% | 1,058 |
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.