Oneida County, New York, a core county of the Utica-Rome, NY market, holds $4.8B in deposits across 9 insured institutions and 43 branches. Bank of Utica is the largest deposit holder at 22.3% share. The top three banks hold 53% of deposits, which places the county in the Moderate band. Deposits have grown 2.2% since 2021 while the branch count fell by 14.0%. It produced $11.6B of real gross domestic product in 2024, ranking #328 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: 50 in 2021 to 43 in 2026. Institutions: 10 to 9. Top-three share: 54% to 53%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Bank of Utica | $1.1B | 22.3% | -9% |
| NBT Bank | $744M | 15.4% | +15% |
| Manufacturers and Traders Trust Company | $719M | 14.9% | +8% |
| Beacon Bank and Trust | $608M | 12.6% | +15% |
| Adirondack Bank | $606M | 12.5% | +18% |
| KeyBank | $518M | 10.7% | -26% |
| Community Bank | $392M | 8.1% | +23% |
| Citizens Bank | $163M | 3.4% | -11% |
| Woodforest National Bank | $3M | 0.1% | -24% |
The 9 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 Utica-Rome market
Oneida County is one of 2 counties that make up the Utica-Rome, NY market, a Metropolitan Statistical Area (ranked #166 of 293 U.S. markets by economic output). It produces 86.7% of the market’s output and holds 85.6% of its deposits.
| Measure | Oneida County | Share of parent market |
|---|---|---|
| 2024 GDP | $11.6B | 86.7% |
| Deposits | $4.8B | 85.6% |
| Population | 226,392 | 79.3% |
View the full Utica-Rome market profile →
Recruiting in Oneida 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 Oneida County.
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