Ontario County, New York, a core county of the Rochester-Batavia-Seneca Falls, NY market, holds $3.5B in deposits across 12 insured institutions and 31 branches. The Canandaigua National Bank and Trust Company is the largest deposit holder at 50.4% share. The top three institutions hold 71.5% of deposits, which places the county in the concentrated band. Deposits have grown 30.4% since 2020. It produces $6.9B of output, ranking #479 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 31 in 2020 to 31 in 2025. Institutions: 10 to 12. Top-three share: 66.9% to 71.5%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Canandaigua National Bank and Trust Company | $1.8B | 50.4% | +55% |
| The Lyons National Bank | $397M | 11.3% | +67% |
| Community Bank, National Association | $340M | 9.7% | +16% |
| Five Star Bank | $320M | 9.1% | -11% |
| Wayne Bank | $206M | 5.9% | no 2020 presence |
| JPMorgan Chase Bank, National Association | $165M | 4.7% | +62% |
| Citizens Bank, National Association | $101M | 2.9% | -45% |
| Generations Bank | $77M | 2.2% | +56% |
| Manufacturers and Traders Trust Company | $70M | 2.0% | +1% |
| KeyBank National Association | $48M | 1.4% | -12% |
The 10 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 competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
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 13.2% of its deposits.
| Measure | Ontario County | Share of Rochester-Batavia-Seneca Falls market |
|---|---|---|
| 2024 GDP | $6.9B | 9.8% |
| Deposits | $3.5B | 13.2% |
| 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, on a retained basis.
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