{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"banking-markets","screenKey":"us-county-bank-branch-deposits","screenLabel":"County FDIC-insured branch deposits","year":2025,"metricLabel":"County deposit HHI","metricUnit":"HHI (0-10,000)","summary":{"branchCount":73568,"countyCount":3104,"highHhiCount":1792,"medianHhi":2826,"singleOrganizationCount":187,"stateCount":51,"totalDepositsThousands":18009447842},"source":{"accessDate":"2026-07-19","apiUrl":"https://api.fdic.gov/banks/sod?filters=YEAR%3A2025&fields=YEAR%2CCERT%2CNAMEFULL%2CSTALPBR%2CSTNAMEBR%2CSTCNTYBR%2CCNTYNAMB%2CDEPSUMBR%2CRSSDHCR%2CNAMEHCR","confidenceLevel":"high","dataStatus":"estimated_public","id":"fdic-sod-2025","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each state, groups branches to the FDIC-reported top bank holding company when RSSDHCR is available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","publisher":"Federal Deposit Insurance Corporation","title":"2025 Summary of Deposits","url":"https://banks.data.fdic.gov/bankfind-suite/SOD","profileHref":"/sources/fdic-sod-2025"},"guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions.","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","matchedCount":62,"count":62,"filters":{"states":["NY"],"statesMatched":true,"matchedStateCodes":["NY"],"county":null,"countyMatched":null,"fips":null,"fipsMatched":null,"fipses":[],"fipsesMatched":null,"matchedFipses":[],"unmatchedFipses":[],"selectionOrder":false,"history":null,"historyMatched":true,"from":null,"fromMatched":true,"to":null,"toMatched":true,"rangeMatched":true,"query":null,"concentrationClass":null,"concentrationClassMatched":true,"source":null,"sourceMatched":null,"year":null,"yearMatched":null,"sort":"hhi","sortMatched":true,"order":"desc","orderMatched":true,"limit":null,"limitMatched":true},"availableSorts":["hhi","leader_share","organizations","branches","deposits","county"],"availableConcentrationClasses":["unconcentrated","moderately_concentrated","highly_concentrated"],"rows":[{"branchCount":12,"concentrationClass":"highly_concentrated","countyFips":"36017","countyName":"Chenango","depositRank":1065,"hhi":9571,"hhiPercentile":93.9,"hhiRank":189,"leadingOrganization":"NBT BANCORP INC.","leadingOrganizationSharePct":97.8,"leaderShareRank":189,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":1,"profileHref":"/geographies/banking/36017","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":1,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1096172,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":10,"concentrationClass":"highly_concentrated","countyFips":"36003","countyName":"Allegany","depositRank":1508,"hhi":7013,"hhiPercentile":91.7,"hhiRank":259,"leadingOrganization":"COMMUNITY FINANCIAL SYSTEM, INC.","leadingOrganizationSharePct":82.8,"leaderShareRank":249,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":3,"profileHref":"/geographies/banking/36003","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":2,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":661162,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":18,"concentrationClass":"highly_concentrated","countyFips":"36039","countyName":"Greene","depositRank":435,"hhi":6881,"hhiPercentile":91.3,"hhiRank":271,"leadingOrganization":"GREENE COUNTY BANCORP, MHC","leadingOrganizationSharePct":82.3,"leaderShareRank":254,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":2,"profileHref":"/geographies/banking/36039","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":3,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":3646767,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":3,"concentrationClass":"highly_concentrated","countyFips":"36097","countyName":"Schuyler","depositRank":2260,"hhi":6148,"hhiPercentile":89.4,"hhiRank":329,"leadingOrganization":"CHEMUNG FINANCIAL CORPORATION","leadingOrganizationSharePct":74,"leaderShareRank":344,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/36097","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":4,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":294570,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":247,"concentrationClass":"highly_concentrated","countyFips":"36119","countyName":"Westchester","depositRank":13,"hhi":6118,"hhiPercentile":89.3,"hhiRank":333,"leadingOrganization":"MORGAN STANLEY","leadingOrganizationSharePct":77.8,"leaderShareRank":295,"organizationCount":30,"organizationDepthRank":84,"organizationsOver5pct":2,"profileHref":"/geographies/banking/36119","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":5,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":273113339,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":4,"concentrationClass":"highly_concentrated","countyFips":"36049","countyName":"Lewis","depositRank":2024,"hhi":5931,"hhiPercentile":88.4,"hhiRank":362,"leadingOrganization":"COMMUNITY FINANCIAL SYSTEM, INC.","leadingOrganizationSharePct":73.7,"leaderShareRank":348,"organizationCount":3,"organizationDepthRank":2247,"organizationsOver5pct":2,"profileHref":"/geographies/banking/36049","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":6,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":388010,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":13,"concentrationClass":"highly_concentrated","countyFips":"36033","countyName":"Franklin","depositRank":1417,"hhi":5531,"hhiPercentile":86.2,"hhiRank":428,"leadingOrganization":"COMMUNITY FINANCIAL SYSTEM, INC.","leadingOrganizationSharePct":72.7,"leaderShareRank":364,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36033","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":7,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":736579,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":3,"concentrationClass":"highly_concentrated","countyFips":"36041","countyName":"Hamilton","depositRank":2815,"hhi":5379,"hhiPercentile":84.8,"hhiRank":473,"leadingOrganization":"COMMUNITY FINANCIAL SYSTEM, INC.","leadingOrganizationSharePct":63.8,"leaderShareRank":557,"organizationCount":2,"organizationDepthRank":2581,"organizationsOver5pct":2,"profileHref":"/geographies/banking/36041","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":8,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":120398,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":13,"concentrationClass":"highly_concentrated","countyFips":"36121","countyName":"Wyoming","depositRank":625,"hhi":5018,"hhiPercentile":80.3,"hhiRank":614,"leadingOrganization":"FINANCIAL INSTITUTIONS, INC.","leadingOrganizationSharePct":67.3,"leaderShareRank":466,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":3,"profileHref":"/geographies/banking/36121","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":9,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":2271499,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":9,"concentrationClass":"highly_concentrated","countyFips":"36035","countyName":"Fulton","depositRank":1117,"hhi":4874,"hhiPercentile":78.5,"hhiRank":667,"leadingOrganization":"NBT BANCORP INC.","leadingOrganizationSharePct":66.7,"leaderShareRank":477,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36035","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":10,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1033823,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":16,"concentrationClass":"highly_concentrated","countyFips":"36015","countyName":"Chemung","depositRank":874,"hhi":4748,"hhiPercentile":77.8,"hhiRank":690,"leadingOrganization":"CHEMUNG FINANCIAL CORPORATION","leadingOrganizationSharePct":64.6,"leaderShareRank":531,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":3,"profileHref":"/geographies/banking/36015","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":11,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1427558,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":14,"concentrationClass":"highly_concentrated","countyFips":"36117","countyName":"Wayne","depositRank":946,"hhi":4694,"hhiPercentile":77.6,"hhiRank":696,"leadingOrganization":"LYONS BANCORP, INC.","leadingOrganizationSharePct":66.2,"leaderShareRank":487,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":3,"profileHref":"/geographies/banking/36117","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":12,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1286348,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":26,"concentrationClass":"highly_concentrated","countyFips":"36113","countyName":"Warren","depositRank":461,"hhi":4303,"hhiPercentile":74.5,"hhiRank":792,"leadingOrganization":"ARROW FINANCIAL CORPORATION","leadingOrganizationSharePct":63,"leaderShareRank":578,"organizationCount":10,"organizationDepthRank":680,"organizationsOver5pct":2,"profileHref":"/geographies/banking/36113","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":13,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":3396101,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":191,"concentrationClass":"highly_concentrated","countyFips":"36029","countyName":"Erie","depositRank":51,"hhi":4265,"hhiPercentile":74.1,"hhiRank":806,"leadingOrganization":"M&T BANK CORPORATION","leadingOrganizationSharePct":63.7,"leaderShareRank":559,"organizationCount":19,"organizationDepthRank":219,"organizationsOver5pct":3,"profileHref":"/geographies/banking/36029","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":14,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":57476428,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":15,"concentrationClass":"highly_concentrated","countyFips":"36115","countyName":"Washington","depositRank":1218,"hhi":4203,"hhiPercentile":73.1,"hhiRank":835,"leadingOrganization":"ARROW FINANCIAL CORPORATION","leadingOrganizationSharePct":57.1,"leaderShareRank":762,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":3,"profileHref":"/geographies/banking/36115","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":15,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":919331,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":23,"concentrationClass":"highly_concentrated","countyFips":"36109","countyName":"Tompkins","depositRank":544,"hhi":3885,"hhiPercentile":69.7,"hhiRank":943,"leadingOrganization":"TOMPKINS FINANCIAL CORPORATION","leadingOrganizationSharePct":60.6,"leaderShareRank":644,"organizationCount":11,"organizationDepthRank":580,"organizationsOver5pct":3,"profileHref":"/geographies/banking/36109","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":16,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":2766004,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":21,"concentrationClass":"highly_concentrated","countyFips":"36009","countyName":"Cattaraugus","depositRank":814,"hhi":3627,"hhiPercentile":65.9,"hhiRank":1059,"leadingOrganization":"COMMUNITY FINANCIAL SYSTEM, INC.","leadingOrganizationSharePct":54.4,"leaderShareRank":862,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36009","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":17,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1563440,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":12,"concentrationClass":"highly_concentrated","countyFips":"36057","countyName":"Montgomery","depositRank":1111,"hhi":3316,"hhiPercentile":60.1,"hhiRank":1241,"leadingOrganization":"NBT BANCORP INC.","leadingOrganizationSharePct":43.9,"leaderShareRank":1355,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36057","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":18,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1042349,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":11,"concentrationClass":"highly_concentrated","countyFips":"36095","countyName":"Schoharie","depositRank":1533,"hhi":3304,"hhiPercentile":59.7,"hhiRank":1251,"leadingOrganization":"NBT BANCORP INC.","leadingOrganizationSharePct":49.9,"leaderShareRank":1091,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36095","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":19,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":641077,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":10,"concentrationClass":"highly_concentrated","countyFips":"36023","countyName":"Cortland","depositRank":1260,"hhi":3225,"hhiPercentile":58.8,"hhiRank":1279,"leadingOrganization":"NBT BANCORP INC.","leadingOrganizationSharePct":45.1,"leaderShareRank":1310,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36023","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":20,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":876839,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":17,"concentrationClass":"highly_concentrated","countyFips":"36053","countyName":"Madison","depositRank":961,"hhi":3183,"hhiPercentile":57.9,"hhiRank":1309,"leadingOrganization":"COMMUNITY FINANCIAL SYSTEM, INC.","leadingOrganizationSharePct":40.7,"leaderShareRank":1574,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36053","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":21,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1249284,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":36,"concentrationClass":"highly_concentrated","countyFips":"36007","countyName":"Broome","depositRank":452,"hhi":3079,"hhiPercentile":55.9,"hhiRank":1371,"leadingOrganization":"M&T BANK CORPORATION","leadingOrganizationSharePct":50.7,"leaderShareRank":1052,"organizationCount":9,"organizationDepthRank":797,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36007","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":22,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":3469802,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":16,"concentrationClass":"highly_concentrated","countyFips":"36077","countyName":"Otsego","depositRank":916,"hhi":2991,"hhiPercentile":53.9,"hhiRank":1432,"leadingOrganization":"NBT BANCORP INC.","leadingOrganizationSharePct":39.2,"leaderShareRank":1664,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36077","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":23,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1346197,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":10,"concentrationClass":"highly_concentrated","countyFips":"36107","countyName":"Tioga","depositRank":1703,"hhi":2962,"hhiPercentile":53.1,"hhiRank":1456,"leadingOrganization":"TSB SERVICES, INC.","leadingOrganizationSharePct":43.9,"leaderShareRank":1355,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36107","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":24,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":541561,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":31,"concentrationClass":"highly_concentrated","countyFips":"36069","countyName":"Ontario","depositRank":447,"hhi":2925,"hhiPercentile":52.3,"hhiRank":1483,"leadingOrganization":"CANANDAIGUA NATIONAL CORPORATION","leadingOrganizationSharePct":50.4,"leaderShareRank":1067,"organizationCount":12,"organizationDepthRank":515,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36069","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":25,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":3502415,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":5,"concentrationClass":"highly_concentrated","countyFips":"36123","countyName":"Yates","depositRank":1624,"hhi":2844,"hhiPercentile":50.5,"hhiRank":1537,"leadingOrganization":"LYONS BANCORP, INC.","leadingOrganizationSharePct":38.3,"leaderShareRank":1717,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36123","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":26,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":588148,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":14,"concentrationClass":"highly_concentrated","countyFips":"36051","countyName":"Livingston","depositRank":1010,"hhi":2799,"hhiPercentile":49.3,"hhiRank":1574,"leadingOrganization":"FINANCIAL INSTITUTIONS, INC.","leadingOrganizationSharePct":37.1,"leaderShareRank":1798,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36051","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":27,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1177028,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":16,"concentrationClass":"highly_concentrated","countyFips":"36101","countyName":"Steuben","depositRank":841,"hhi":2741,"hhiPercentile":47.9,"hhiRank":1617,"leadingOrganization":"FINANCIAL INSTITUTIONS, INC.","leadingOrganizationSharePct":37.3,"leaderShareRank":1781,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36101","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":28,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1492331,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":17,"concentrationClass":"highly_concentrated","countyFips":"36025","countyName":"Delaware","depositRank":975,"hhi":2731,"hhiPercentile":47.7,"hhiRank":1624,"leadingOrganization":"NORWOOD FINANCIAL CORP.","leadingOrganizationSharePct":31.4,"leaderShareRank":2187,"organizationCount":4,"organizationDepthRank":1929,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36025","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":29,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1226411,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":24,"concentrationClass":"highly_concentrated","countyFips":"36075","countyName":"Oswego","depositRank":759,"hhi":2662,"hhiPercentile":46.2,"hhiRank":1672,"leadingOrganization":"PATHFINDER BANCORP, INC.","leadingOrganizationSharePct":43.9,"leaderShareRank":1355,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36075","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":30,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1733892,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":17,"concentrationClass":"highly_concentrated","countyFips":"36031","countyName":"Essex","depositRank":1211,"hhi":2621,"hhiPercentile":45.4,"hhiRank":1695,"leadingOrganization":"CHAMPLAIN BANK CORPORATION","leadingOrganizationSharePct":33.3,"leaderShareRank":2054,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36031","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":31,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":927949,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":18,"concentrationClass":"highly_concentrated","countyFips":"36021","countyName":"Columbia","depositRank":868,"hhi":2592,"hhiPercentile":44.8,"hhiRank":1714,"leadingOrganization":"KEYCORP","leadingOrganizationSharePct":37.3,"leaderShareRank":1781,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36021","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":32,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1442421,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":14,"concentrationClass":"highly_concentrated","countyFips":"36043","countyName":"Herkimer","depositRank":1329,"hhi":2545,"hhiPercentile":43.7,"hhiRank":1749,"leadingOrganization":"M&T BANK CORPORATION","leadingOrganizationSharePct":33.8,"leaderShareRank":2010,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36043","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":33,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":806468,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":27,"concentrationClass":"highly_concentrated","countyFips":"36063","countyName":"Niagara","depositRank":437,"hhi":2528,"hhiPercentile":43.1,"hhiRank":1766,"leadingOrganization":"KEYCORP","leadingOrganizationSharePct":40.6,"leaderShareRank":1583,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36063","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":34,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":3626745,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":19,"concentrationClass":"highly_concentrated","countyFips":"36019","countyName":"Clinton","depositRank":649,"hhi":2510,"hhiPercentile":42.5,"hhiRank":1786,"leadingOrganization":"COMMUNITY FINANCIAL SYSTEM, INC.","leadingOrganizationSharePct":39.3,"leaderShareRank":1658,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36019","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":35,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":2178668,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":28,"concentrationClass":"moderately_concentrated","countyFips":"36045","countyName":"Jefferson","depositRank":668,"hhi":2500,"hhiPercentile":42.3,"hhiRank":1793,"leadingOrganization":"Watertown Savings Bank","leadingOrganizationSharePct":36.5,"leaderShareRank":1830,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":6,"profileHref":"/geographies/banking/36045","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":36,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":2082041,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":7,"concentrationClass":"moderately_concentrated","countyFips":"36073","countyName":"Orleans","depositRank":1825,"hhi":2476,"hhiPercentile":41.6,"hhiRank":1813,"leadingOrganization":"KEYCORP","leadingOrganizationSharePct":35.7,"leaderShareRank":1884,"organizationCount":5,"organizationDepthRank":1597,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36073","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":37,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":475512,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":503,"concentrationClass":"moderately_concentrated","countyFips":"36061","countyName":"New York","depositRank":1,"hhi":2444,"hhiPercentile":40.7,"hhiRank":1843,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":45.1,"leaderShareRank":1310,"organizationCount":77,"organizationDepthRank":5,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36061","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":38,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1774447976,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":26,"concentrationClass":"moderately_concentrated","countyFips":"36089","countyName":"St. Lawrence","depositRank":794,"hhi":2389,"hhiPercentile":39.1,"hhiRank":1891,"leadingOrganization":"COMMUNITY FINANCIAL SYSTEM, INC.","leadingOrganizationSharePct":40.3,"leaderShareRank":1599,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36089","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":39,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1624989,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":10,"concentrationClass":"moderately_concentrated","countyFips":"36037","countyName":"Genesee","depositRank":1008,"hhi":2271,"hhiPercentile":35.8,"hhiRank":1993,"leadingOrganization":"TOMPKINS FINANCIAL CORPORATION","leadingOrganizationSharePct":33.4,"leaderShareRank":2041,"organizationCount":6,"organizationDepthRank":1326,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36037","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":40,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1178884,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":99,"concentrationClass":"moderately_concentrated","countyFips":"36001","countyName":"Albany","depositRank":137,"hhi":2251,"hhiPercentile":35.2,"hhiRank":2013,"leadingOrganization":"KEYCORP","leadingOrganizationSharePct":42.8,"leaderShareRank":1436,"organizationCount":17,"organizationDepthRank":277,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36001","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":41,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":16963549,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":12,"concentrationClass":"moderately_concentrated","countyFips":"36099","countyName":"Seneca","depositRank":1439,"hhi":2188,"hhiPercentile":33.2,"hhiRank":2075,"leadingOrganization":"FINANCIAL INSTITUTIONS, INC.","leadingOrganizationSharePct":27.9,"leaderShareRank":2432,"organizationCount":7,"organizationDepthRank":1119,"organizationsOver5pct":4,"profileHref":"/geographies/banking/36099","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":42,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":717590,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":123,"concentrationClass":"moderately_concentrated","countyFips":"36005","countyName":"Bronx","depositRank":135,"hhi":2111,"hhiPercentile":31.2,"hhiRank":2136,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":40.8,"leaderShareRank":1565,"organizationCount":23,"organizationDepthRank":156,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36005","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":43,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":17454306,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":68,"concentrationClass":"moderately_concentrated","countyFips":"36087","countyName":"Rockland","depositRank":168,"hhi":1994,"hhiPercentile":28.3,"hhiRank":2226,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":37.7,"leaderShareRank":1755,"organizationCount":14,"organizationDepthRank":398,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36087","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":44,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":13254363,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":22,"concentrationClass":"moderately_concentrated","countyFips":"36105","countyName":"Sullivan","depositRank":852,"hhi":1970,"hhiPercentile":27.5,"hhiRank":2251,"leadingOrganization":"JEFFERSONVILLE BANCORP","leadingOrganizationSharePct":36.2,"leaderShareRank":1852,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":7,"profileHref":"/geographies/banking/36105","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":45,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1476536,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":330,"concentrationClass":"moderately_concentrated","countyFips":"36047","countyName":"Kings","depositRank":43,"hhi":1909,"hhiPercentile":25.4,"hhiRank":2317,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":39.4,"leaderShareRank":1646,"organizationCount":40,"organizationDepthRank":34,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36047","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":46,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":68338333,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":40,"concentrationClass":"moderately_concentrated","countyFips":"36093","countyName":"Schenectady","depositRank":454,"hhi":1821,"hhiPercentile":23.2,"hhiRank":2386,"leadingOrganization":"TRUSTCO BANK CORP NY","leadingOrganizationSharePct":34.1,"leaderShareRank":1990,"organizationCount":12,"organizationDepthRank":515,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36093","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":47,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":3448821,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":31,"concentrationClass":"moderately_concentrated","countyFips":"36013","countyName":"Chautauqua","depositRank":636,"hhi":1758,"hhiPercentile":21.4,"hhiRank":2442,"leadingOrganization":"COMMUNITY FINANCIAL SYSTEM, INC.","leadingOrganizationSharePct":25.3,"leaderShareRank":2594,"organizationCount":8,"organizationDepthRank":947,"organizationsOver5pct":6,"profileHref":"/geographies/banking/36013","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":48,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":2213111,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":33,"concentrationClass":"moderately_concentrated","countyFips":"36083","countyName":"Rensselaer","depositRank":548,"hhi":1659,"hhiPercentile":18.4,"hhiRank":2534,"leadingOrganization":"KEYCORP","leadingOrganizationSharePct":29.8,"leaderShareRank":2296,"organizationCount":12,"organizationDepthRank":515,"organizationsOver5pct":7,"profileHref":"/geographies/banking/36083","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":49,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":2751342,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":23,"concentrationClass":"moderately_concentrated","countyFips":"36079","countyName":"Putnam","depositRank":536,"hhi":1582,"hhiPercentile":16.6,"hhiRank":2589,"leadingOrganization":"BROOKLINE BANCORP, INC.","leadingOrganizationSharePct":23.6,"leaderShareRank":2717,"organizationCount":9,"organizationDepthRank":797,"organizationsOver5pct":7,"profileHref":"/geographies/banking/36079","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":50,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":2814915,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":104,"concentrationClass":"unconcentrated","countyFips":"36067","countyName":"Onondaga","depositRank":173,"hhi":1496,"hhiPercentile":13.8,"hhiRank":2676,"leadingOrganization":"M&T BANK CORPORATION","leadingOrganizationSharePct":27.7,"leaderShareRank":2444,"organizationCount":14,"organizationDepthRank":398,"organizationsOver5pct":6,"profileHref":"/geographies/banking/36067","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":51,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":12545089,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":130,"concentrationClass":"unconcentrated","countyFips":"36055","countyName":"Monroe","depositRank":127,"hhi":1465,"hhiPercentile":12.8,"hhiRank":2707,"leadingOrganization":"M&T BANK CORPORATION","leadingOrganizationSharePct":23.1,"leaderShareRank":2747,"organizationCount":16,"organizationDepthRank":316,"organizationsOver5pct":7,"profileHref":"/geographies/banking/36055","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":52,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":18266776,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":42,"concentrationClass":"unconcentrated","countyFips":"36065","countyName":"Oneida","depositRank":347,"hhi":1459,"hhiPercentile":12.7,"hhiRank":2710,"leadingOrganization":"Bank of Utica","leadingOrganizationSharePct":21.8,"leaderShareRank":2828,"organizationCount":9,"organizationDepthRank":797,"organizationsOver5pct":7,"profileHref":"/geographies/banking/36065","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":53,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":4782579,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":345,"concentrationClass":"unconcentrated","countyFips":"36081","countyName":"Queens","depositRank":36,"hhi":1370,"hhiPercentile":10.4,"hhiRank":2781,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":30.9,"leaderShareRank":2224,"organizationCount":50,"organizationDepthRank":18,"organizationsOver5pct":5,"profileHref":"/geographies/banking/36081","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":54,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":79198240,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":90,"concentrationClass":"unconcentrated","countyFips":"36085","countyName":"Richmond","depositRank":126,"hhi":1327,"hhiPercentile":9.1,"hhiRank":2823,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":21.7,"leaderShareRank":2833,"organizationCount":16,"organizationDepthRank":316,"organizationsOver5pct":6,"profileHref":"/geographies/banking/36085","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":55,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":18500198,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":301,"concentrationClass":"unconcentrated","countyFips":"36103","countyName":"Suffolk","depositRank":48,"hhi":1242,"hhiPercentile":7.1,"hhiRank":2884,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":26.7,"leaderShareRank":2508,"organizationCount":22,"organizationDepthRank":167,"organizationsOver5pct":8,"profileHref":"/geographies/banking/36103","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":56,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":62805904,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":21,"concentrationClass":"unconcentrated","countyFips":"36011","countyName":"Cayuga","depositRank":796,"hhi":1238,"hhiPercentile":6.9,"hhiRank":2890,"leadingOrganization":"KEYCORP","leadingOrganizationSharePct":22.2,"leaderShareRank":2798,"organizationCount":11,"organizationDepthRank":580,"organizationsOver5pct":9,"profileHref":"/geographies/banking/36011","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":57,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":1621237,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":331,"concentrationClass":"unconcentrated","countyFips":"36059","countyName":"Nassau","depositRank":33,"hhi":1179,"hhiPercentile":5.4,"hhiRank":2938,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":22.8,"leaderShareRank":2760,"organizationCount":30,"organizationDepthRank":84,"organizationsOver5pct":6,"profileHref":"/geographies/banking/36059","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":58,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":96261666,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":68,"concentrationClass":"unconcentrated","countyFips":"36091","countyName":"Saratoga","depositRank":281,"hhi":1159,"hhiPercentile":4.9,"hhiRank":2952,"leadingOrganization":"ADIRONDACK TRUST COMPANY EMPLOYEE STOCK OWNERSHIP TRUST, THE","leadingOrganizationSharePct":20,"leaderShareRank":2921,"organizationCount":14,"organizationDepthRank":398,"organizationsOver5pct":7,"profileHref":"/geographies/banking/36091","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":59,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":6460145,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":68,"concentrationClass":"unconcentrated","countyFips":"36027","countyName":"Dutchess","depositRank":230,"hhi":1151,"hhiPercentile":4.7,"hhiRank":2958,"leadingOrganization":"CITIZENS FINANCIAL GROUP, INC.","leadingOrganizationSharePct":22.4,"leaderShareRank":2781,"organizationCount":15,"organizationDepthRank":364,"organizationsOver5pct":8,"profileHref":"/geographies/banking/36027","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":60,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":8405681,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":84,"concentrationClass":"unconcentrated","countyFips":"36071","countyName":"Orange","depositRank":197,"hhi":1088,"hhiPercentile":3.6,"hhiRank":2992,"leadingOrganization":"JPMORGAN CHASE & CO.","leadingOrganizationSharePct":22.3,"leaderShareRank":2792,"organizationCount":22,"organizationDepthRank":167,"organizationsOver5pct":8,"profileHref":"/geographies/banking/36071","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":61,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":10772982,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."},{"branchCount":44,"concentrationClass":"unconcentrated","countyFips":"36111","countyName":"Ulster","depositRank":349,"hhi":1060,"hhiPercentile":3.1,"hhiRank":3010,"leadingOrganization":"Ulster Savings Bank","leadingOrganizationSharePct":19.6,"leaderShareRank":2942,"organizationCount":18,"organizationDepthRank":244,"organizationsOver5pct":7,"profileHref":"/geographies/banking/36111","stateCode":"NY","stateCountyCount":62,"stateHref":"/geographies/new-york","stateHhiRank":62,"stateMedianHhi":2607,"stateName":"New York","totalDepositsThousands":4776425,"year":2025,"sourceId":"fdic-sod-2025","sourceTitle":"2025 Summary of Deposits","sourcePublisher":"Federal Deposit Insurance Corporation","sourceUrl":"https://banks.data.fdic.gov/bankfind-suite/SOD","sourceProfileHref":"/sources/fdic-sod-2025","accessDate":"2026-07-19","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"Antitrust Radar sums positive June 30, 2025 branch deposits within each FDIC-reported county or county equivalent, groups branches to the FDIC-reported top bank holding company when available and otherwise to the insured institution certificate, then calculates shares and HHI from those grouped balances.","methodologyHref":"/methodology#county-banking-screen","guardrail":"County rows are screens of positive FDIC Summary of Deposits branch balances grouped to the reported top bank holding company when available and otherwise to the insured institution. Branch-reported deposits may not represent where every customer lives or competes, county boundaries may not match a banking market, deposits are not every banking product, and these screens are not legal market definitions."}]}