Orange County, New York, a core county of the New York-Newark, NY-NJ-CT-PA market, holds $10.8B in deposits across 22 insured institutions and 85 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 22.3% share. The top three banks hold 47% of deposits, which places the county in the Moderate band. Deposits have grown 2.4% since 2020 while the branch count fell by 15.0%. It produces $21.5B of output, ranking #209 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: 100 in 2020 to 85 in 2025. Institutions: 24 to 22. Top-three share: 51% to 47%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| JPMorgan Chase Bank | $2.4B | 22.3% | +22% |
| TD Bank | $1.6B | 14.6% | +15% |
| Orange Bank & Trust Company | $1.1B | 10.0% | +45% |
| Manufacturers and Traders Trust Company | $847M | 7.9% | +69% |
| Walden Savings Bank | $755M | 7.0% | +28% |
| KeyBank | $743M | 6.9% | -64% |
| Bank of America | $733M | 6.8% | +6% |
| Webster Bank | $653M | 6.1% | -30% |
| Citizens Bank | $407M | 3.8% | +6% |
| Wallkill Valley Federal Savings and Loan Association | $243M | 2.3% | +45% |
| NorthEast Community Bank | $225M | 2.1% | +94% |
| Provident Bank | $182M | 1.7% | no 2020 presence |
| ConnectOne Bank | $171M | 1.6% | -8% |
| Rhinebeck Bank | $138M | 1.3% | +445% |
| NBT Bank | $127M | 1.2% | no 2020 presence |
| The Berkshire Bank | $117M | 1.1% | -12% |
| First Federal Savings of Middletown | $109M | 1.0% | +21% |
| Wells Fargo Bank | $101M | 0.9% | +7% |
| International Bank of Chicago | $67M | 0.6% | +281% |
| Ulster Savings Bank | $52M | 0.5% | +84% |
| Jeff Bank | $29M | 0.3% | +66% |
| TrustCo Bank | $19M | 0.2% | +2% |
The 22 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “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 New York-Newark market
Orange County is one of 30 counties that make up the New York-Newark, NY-NJ-CT-PA market, a Combined Statistical Area (ranked #1 of 293 U.S. markets by economic output). It produces 1.0% of the market’s output and holds 0.4% of its deposits.
| Measure | Orange County | Share of parent market |
|---|---|---|
| 2024 GDP | $21.5B | 1.0% |
| Deposits | $10.8B | 0.4% |
| Population | 417,669 | 1.9% |
View the full New York-Newark market profile →
Recruiting in Orange 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 Orange County.
See how we help banks recruit commercial banking talent