Cayuga County, New York, a core county of the Syracuse-Auburn, NY market, holds $1.6B in deposits across 11 insured institutions and 21 branches. KeyBank National Association is the largest deposit holder at 22.2% share. The top three institutions hold 50.8% of deposits, which places the county in the moderately concentrated band. Deposits have grown 20.3% since 2020 while the branch count fell by 2. It produces $3.1B of output, ranking #749 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 23 in 2020 to 21 in 2025. Institutions: 12 to 11. Top-three share: 54.1% to 50.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| KeyBank National Association | $360M | 22.2% | -6% |
| Five Star Bank | $247M | 15.2% | +257% |
| Cayuga Lake National Bank | $217M | 13.4% | +29% |
| Tompkins Community Bank | $168M | 10.3% | -6% |
| Chemung Canal Trust Company | $118M | 7.3% | +7% |
| Savannah Bank National Association | $103M | 6.4% | +21% |
| The Lyons National Bank | $98M | 6.0% | +21% |
| Community Bank, National Association | $98M | 6.0% | +94% |
| Manufacturers and Traders Trust Company | $94M | 5.8% | +12% |
| Generations Bank | $61M | 3.8% | +2% |
The 10 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Syracuse-Auburn market
Cayuga County is one of 4 counties that make up the Syracuse-Auburn, NY market, a Combined Statistical Area (ranked #79 of 293 U.S. markets by economic output). It produces 6.8% of the market’s output and holds 9.5% of its deposits.
| Measure | Cayuga County | Share of Syracuse-Auburn market |
|---|---|---|
| 2024 GDP | $3.1B | 6.8% |
| Deposits | $1.6B | 9.5% |
| Population | 74,365 | 10.2% |
View the full Syracuse-Auburn market profile →
Recruiting in Cayuga County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Cayuga County, on a retained basis.
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