Market Intelligence

Orleans County, NY

Banking market profile · FDIC Summary of Deposits, June 30, 2025

Orleans County, New York, a county in the Rochester-Batavia-Seneca Falls, NY market, holds $476M in deposits across 5 insured institutions and 8 branches. KeyBank National Association is the largest deposit holder at 35.7% share. The top three institutions hold 80.2% of deposits, which places the county in the concentrated band. Deposits have grown 3.2% since 2020. It produces $1.5B of output, ranking #1,057 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$1.5B
#1,057 of 1,523
Total Deposits
$476M
#1,222 of 1,523
Population
39,825
#1,033 of 1,523
GDP per Capita
$36,585
#1,014 of 1,523
Insured Institutions
5
#1,206 of 1,523
Deposits per Branch
$59M
#1,262 of 1,523
Deposits per Capita
$11,940
#1,348 of 1,523
Branches per 100k Pop.
20.1
#1,005 of 1,523
Median Institution Size
$97M
Median deposits of the institutions operating in the county. #918 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
56.4%
of market deposits held by banks with $100M to $50B in assets. #880 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 Deposit Share: concentrated
80.2%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+3.2% over 5 years
$461M
2020
$543M
2021
$518M
2022
$481M
2023
$481M
2024
$476M
2025

Branches: 8 in 2020 to 8 in 2025. Institutions: 5 to 5. Top-three share: 79.5% to 80.2%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
KeyBank National Association$170M35.7%3+8%
Five Star Bank$114M24.0%2-3%
Tompkins Community Bank$97M20.5%1no 2020 presence
Generations Bank$57M11.9%1-6%
Manufacturers and Traders Trust Company$38M7.9%1+11%

The 5 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 organic 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

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 1.8% of its deposits.

MeasureOrleans CountyShare of Rochester-Batavia-Seneca Falls market
2024 GDP$1.5B2.1%
Deposits$476M1.8%
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, on a retained basis.

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