Market Intelligence

Cheshire County, NH

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Keene-Brattleboro, NH-VT › Cheshire County

Cheshire County, New Hampshire, a core county of the Keene-Brattleboro, NH-VT market, holds $2.1B in deposits across 6 insured institutions and 16 branches. Savings Bank of Walpole is the largest deposit holder at 35.8% share. The top three institutions hold 83.9% of deposits, which places the county in the concentrated band. Deposits have grown 6.5% since 2020 while the branch count fell by 1. It produces $4.1B of output, ranking #672 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$4.1B
#672 of 1,523
Total Deposits
$2.1B
#643 of 1,523
Population
78,269
#721 of 1,523
GDP per Capita
$51,830
#532 of 1,523
Insured Institutions
6
#1,050 of 1,523
Deposits per Branch
$129M
#312 of 1,523
Deposits per Capita
$26,325
#541 of 1,523
Branches per 100k Pop.
20.4
#977 of 1,523
Median Institution Size
$252M
Median deposits of the institutions operating in the county. #219 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
53.3%
of market deposits held by banks with $100M to $50B in assets. #937 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Deposit Share: concentrated
83.9%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+6.5% over 5 years
$1.9B
2020
$2.3B
2021
$2.7B
2022
$2.1B
2023
$2.1B
2024
$2.1B
2025

Branches: 17 in 2020 to 16 in 2025. Institutions: 7 to 6. Top-three share: 75.2% to 83.9%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Savings Bank of Walpole$738M35.8%7+52%
TD Bank, National Association$677M32.9%2-1%
Mascoma Bank$314M15.2%2+59%
Manufacturers and Traders Trust Company$191M9.2%3-33%
Bank of America, National Association$94M4.6%1-1%
NBT Bank, National Association$47M2.3%1-26%

The 6 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.

Part of the Keene-Brattleboro market

Cheshire County is one of 2 counties that make up the Keene-Brattleboro, NH-VT market, a Combined Statistical Area (ranked #250 of 293 U.S. markets by economic output). It produces 63.0% of the market’s output and holds 66.1% of its deposits.

MeasureCheshire CountyShare of Keene-Brattleboro market
2024 GDP$4.1B63.0%
Deposits$2.1B66.1%
Population78,26963.4%

See the Keene-Brattleboro market in Market Intelligence →

Recruiting in Cheshire County

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Cheshire County, on a retained basis.

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