TrustCo Bank holds $5.5B in deposits across 34 counties in 8 ranked markets and 5 states. Its deposit footprint is concentrated: the top three counties (Albany County, Schenectady County, Saratoga County) hold 57% of its deposits, and New York accounts for 79% of the total. It ranks among the three largest institutions in 3 of the 34 counties where it operates.
Identifying and Recruiting the Right People
Deposit share data tends to track where commercial client relationships, and the bankers who hold them, are concentrated. We help banks building or entering competitive markets recruit the people who have those relationships.
See how we help banks recruit commercial banking talentDeposits by county
Data as of June 30, 2025 (FDIC Summary of Deposits)
| County | Deposits | County’s % of Bank’s Deposits | Bank’s % of County Deposits | Branches | |
|---|---|---|---|---|---|
| 1. | Albany County, NY | $1.2B | 22.4% | 7.2% | 18 |
| 2. | Schenectady County, NY | $1.2B | 21.4% | 34.1% | 12 |
| 3. | Saratoga County, NY | $720M | 13.1% | 11.2% | 14 |
| 4. | Rensselaer County, NY | $362M | 6.6% | 13.2% | 7 |
| 5. | Orange County, FL | $281M | 5.1% | 0.6% | 15 |
| 6. | Westchester County, NY | $193M | 3.5% | 0.1% | 9 |
| 7. | Seminole County, FL | $188M | 3.4% | 1.7% | 11 |
| 8. | Sarasota County, FL | $145M | 2.6% | 0.8% | 4 |
| 9. | Lake County, FL | $122M | 2.2% | 1.3% | 5 |
| 10. | Warren County, NY | $113M | 2.1% | 3.3% | 4 |
| 11. | Greene County, NY | $109M | 2.0% | 3.0% | 1 |
| 12. | Rockland County, NY | $99M | 1.8% | 0.7% | 4 |
| 13. | Washington County, NY | $92M | 1.7% | 10.1% | 2 |
| 14. | Columbia County, NY | $90M | 1.6% | 6.2% | 3 |
| 15. | Volusia County, FL | $75M | 1.4% | 0.6% | 3 |
| 16. | Hillsborough County, FL | $73M | 1.3% | 0.2% | 2 |
| 17. | Dutchess County, NY | $65M | 1.2% | 0.8% | 3 |
| 18. | Schoharie County, NY | $38M | 0.7% | 5.9% | 1 |
| 19. | Polk County, FL | $36M | 0.7% | 0.2% | 2 |
| 20. | Charlotte County, FL | $36M | 0.7% | 0.6% | 1 |
| 21. | Osceola County, FL | $35M | 0.6% | 0.6% | 2 |
| 22. | Montgomery County, NY | $34M | 0.6% | 3.3% | 1 |
| 23. | Berkshire County, MA | $29M | 0.5% | 0.6% | 1 |
| 24. | Orange County, NY | $19M | 0.4% | 0.2% | 1 |
| 25. | Flagler County, FL | $19M | 0.4% | 0.8% | 1 |
| 26. | Brevard County, FL | $19M | 0.3% | 0.2% | 1 |
| 27. | Martin County, FL | $17M | 0.3% | 0.2% | 1 |
| 28. | Bennington County, VT | $16M | 0.3% | 1.4% | 1 |
| 29. | Palm Beach County, FL | $13M | 0.2% | 0.0% | 1 |
| 30. | Manatee County, FL | $12M | 0.2% | 0.1% | 1 |
| 31. | Indian River County, FL | $12M | 0.2% | 0.2% | 1 |
| 32. | Bergen County, NJ | $11M | 0.2% | 0.0% | 1 |
| 33. | Ulster County, NY | $7M | 0.1% | 0.1% | 1 |
| 34. | Putnam County, NY | $5M | 0.1% | 0.2% | 1 |
Deposits are as reported to the FDIC at branch level, June 30, 2025, and are nominal. “County’s % of Bank’s Deposits” is this county’s share of the institution’s total deposits; “Bank’s % of County Deposits” is this institution’s deposits as a percent of all deposits booked in that county. Counties within a Combined or Metropolitan Statistical Area link to their full profile; other counties are shown for completeness.
All 293 markets and the 1,533 counties within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates.