Market Intelligence

Orleans County, NY

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Orleans County, New York, a county in the Rochester-Batavia-Seneca Falls, NY market, holds $421M in deposits across 4 insured institutions and 7 branches. KeyBank is the largest deposit holder at 41.0% share. The top three banks hold 91% of deposits, which places the county in the Concentrated band. Deposits have fallen 22.5% since 2021 while the branch count fell by 12.5%. It produced $1.5B of real gross domestic product in 2024, ranking #1,057 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$1.5B
#1,057 of 1,523
Population
39,825
#1,033 of 1,523
GDP per Capita
$36,585
#1,014 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$421M
#1,266 of 1,523
Deposits per Capita
$10,561
#1,410 of 1,523
Deposits per Branch
$60M
#1,284 of 1,523
Competitive structure
Insured Institutions
4
#1,293 of 1,523
Branches per 100k Pop.
17.6
#1,155 of 1,523
Median Deposits per Institution
$105M
The median deposits booked by a single institution in the county. #880 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
49.9%
of county deposits held by banks with $100M to $100B in assets. #1,061 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
91%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2021 to 2026)-22.5% over 5 years
$543M
2021
$518M
2022
$481M
2023
$481M
2024
$476M
2025
$421M
2026

Branches: 8 in 2021 to 7 in 2026. Institutions: 5 to 4. Top-three share: 83% to 91%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
KeyBank$172M41.0%3-21%
Five Star Bank$108M25.7%2-16%
Tompkins Community Bank$102M24.2%1-1%
Manufacturers and Traders Trust Company$38M9.1%1+7%

The 4 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

Orleans 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 2.1% of the market’s output and holds 1.5% of its deposits.

MeasureOrleans CountyShare of parent market
2024 GDP$1.5B2.1%
Deposits$421M1.5%
Population39,8253.5%

View the full Rochester-Batavia-Seneca Falls market profile →

Recruiting in Orleans 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 Orleans County.

See how we help banks recruit commercial banking talent