Monroe County, New York, a core county of the Rochester-Batavia-Seneca Falls, NY market, holds $20.3B in deposits across 16 insured institutions and 136 branches. Manufacturers and Traders Trust Company is the largest deposit holder at 22.5% share. The top three banks hold 54% of deposits, which places the county in the Moderate band. Deposits have grown 6.9% since 2021 while the branch count fell by 5.6%. It produced $51.6B of real gross domestic product in 2024, ranking #87 of the 1,523 ranked counties 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: 144 in 2021 to 136 in 2026. Institutions: 15 to 16. Top-three share: 61% to 54%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $4.6B | 22.5% | -11% |
| KeyBank | $3.3B | 16.2% | 0% |
| JPMorgan Chase Bank | $3.1B | 15.5% | -2% |
| The Canandaigua National Bank and Trust Company | $2.5B | 12.5% | +24% |
| Bank of America | $1.7B | 8.3% | -1% |
| Citizens Bank | $1.7B | 8.2% | +6% |
| Five Star Bank | $1.4B | 6.8% | +232% |
| Genesee Regional Bank | $1.1B | 5.3% | +48% |
| Tompkins Community Bank | $386M | 1.9% | +10% |
| The Upstate National Bank | $179M | 0.9% | +2% |
| NBT Bank | $155M | 0.8% | -26% |
| The Lyons National Bank | $84M | 0.4% | +6% |
| Northwest Bank | $61M | 0.3% | -33% |
| Nextier Bank | $57M | 0.3% | no 2021 presence |
| Community Bank | $47M | 0.2% | +564% |
| Woodforest National Bank | $5M | <0.1% | -33% |
The 16 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 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 70.5% of its deposits.
| Measure | Monroe County | Share of parent market |
|---|---|---|
| 2024 GDP | $51.6B | 73.2% |
| Deposits | $20.3B | 70.5% |
| 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.
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