Schoharie County, New York, a county in the Albany-Schenectady, NY market, holds $683M in deposits across 6 insured institutions and 11 branches. NBT Bank is the largest deposit holder at 51.4% share. The top three banks hold 84% of deposits, which places the county in the Concentrated band. Deposits have grown 13.7% since 2021. It produced $1.0B of real gross domestic product in 2024, ranking #1,192 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: 11 in 2021 to 11 in 2026. Institutions: 6 to 6. Top-three share: 82% to 84%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| NBT Bank | $351M | 51.4% | +29% |
| Bank of Richmondville | $166M | 24.4% | +6% |
| KeyBank | $59M | 8.7% | -10% |
| Ballston Spa National Bank | $40M | 5.9% | -12% |
| TrustCo Bank | $40M | 5.8% | +21% |
| Community Bank | $27M | 3.9% | -2% |
The 6 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 Albany-Schenectady market
Schoharie County is one of 10 counties that make up the Albany-Schenectady, NY market, a Combined Statistical Area (ranked #43 of 293 U.S. markets by economic output). It produces 1.2% of the market’s output and holds 1.8% of its deposits.
| Measure | Schoharie County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.0B | 1.2% |
| Deposits | $683M | 1.8% |
| Population | 30,176 | 2.5% |
View the full Albany-Schenectady market profile →
Recruiting in Schoharie 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 Schoharie County.
See how we help banks recruit commercial banking talent