Ontario County, New York, a core county of the Rochester-Batavia-Seneca Falls, NY market, holds $3.8B in deposits across 11 insured institutions and 27 branches. The Canandaigua National Bank and Trust Company is the largest deposit holder at 52.4% share. The top three banks hold 73% of deposits, which places the county in the Concentrated band. Deposits have grown 30.2% since 2021 while the branch count fell by 15.6%. It produced $6.9B of real gross domestic product in 2024, ranking #479 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: 32 in 2021 to 27 in 2026. Institutions: 10 to 11. Top-three share: 68% to 73%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| The Canandaigua National Bank and Trust Company | $2.0B | 52.4% | +58% |
| The Lyons National Bank | $414M | 11.0% | +37% |
| Five Star Bank | $353M | 9.3% | -8% |
| Community Bank | $346M | 9.2% | 0% |
| Wayne Bank | $221M | 5.8% | +74% |
| JPMorgan Chase Bank | $165M | 4.4% | +25% |
| Citizens Bank | $144M | 3.8% | -10% |
| Manufacturers and Traders Trust Company | $70M | 1.9% | -7% |
| KeyBank | $48M | 1.3% | -31% |
| CNB Bank | $35M | 0.9% | no 2021 presence |
| Woodforest National Bank | $2M | <0.1% | no 2021 presence |
The 11 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
Ontario 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 9.8% of the market’s output and holds 13.1% of its deposits.
| Measure | Ontario County | Share of parent market |
|---|---|---|
| 2024 GDP | $6.9B | 9.8% |
| Deposits | $3.8B | 13.1% |
| Population | 113,130 | 9.9% |
View the full Rochester-Batavia-Seneca Falls market profile →
Recruiting in Ontario 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 Ontario County.
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