Monroe County, New York, a core county of the Rochester-Batavia-Seneca Falls, NY market, holds $18.3B in deposits across 16 insured institutions and 132 branches. Manufacturers and Traders Trust Company is the largest deposit holder at 23.1% share. The top three institutions hold 56.6% of deposits, which places the county in the moderately concentrated band. Deposits have grown 8.7% since 2020 while the branch count fell by 19. It produces $51.6B of output, ranking #87 of the 1,523 counties within a CSA or MSA by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 151 in 2020 to 132 in 2025. Institutions: 15 to 16. Top-three share: 61.0% to 56.6%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $4.2B | 23.1% | -5% |
| JPMorgan Chase Bank | $3.1B | 16.9% | +4% |
| KeyBank | $3.0B | 16.6% | +6% |
| The Canandaigua National Bank and Trust Company | $2.4B | 13.2% | +39% |
| Bank of America | $1.7B | 9.1% | +11% |
| Citizens Bank | $1.6B | 8.8% | +7% |
| Genesee Regional Bank | $980M | 5.4% | +54% |
| Five Star Bank | $408M | 2.2% | +23% |
| Tompkins Community Bank | $342M | 1.9% | no 2020 presence |
| NBT Bank | $176M | 1.0% | no 2020 presence |
The 10 largest of 16 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. Deposit figures are nominal and are not adjusted for inflation.
Part of the Rochester-Batavia-Seneca Falls market
Monroe County is one of 7 counties that make up the Rochester-Batavia-Seneca Falls, NY market, a Combined Statistical Area (ranked #55 of 293 U.S. markets by economic output). It produces 73.2% of the market’s output and holds 68.7% of its deposits.
| Measure | Monroe County | Share of parent market |
|---|---|---|
| 2024 GDP | $51.6B | 73.2% |
| Deposits | $18.3B | 68.7% |
| Population | 750,506 | 65.4% |
View the full Rochester-Batavia-Seneca Falls market profile →
Recruiting in Monroe 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 Monroe County, on a retained basis.
Start a confidential conversation