Tioga County, New York, a core county of the Binghamton, NY market, holds $542M in deposits across 5 insured institutions and 10 branches. Tioga State Bank National Association is the largest deposit holder at 43.9% share. The top three institutions hold 82.2% of deposits, which places the county in the concentrated band. Deposits have grown 5.5% since 2020 while the branch count fell by 2. It produces $1.6B of output, ranking #1,013 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 12 in 2020 to 10 in 2025. Institutions: 5 to 5. Top-three share: 84.3% to 82.2%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Tioga State Bank National Association | $238M | 43.9% | -3% |
| Chemung Canal Trust Company | $150M | 27.6% | +5% |
| Manufacturers and Traders Trust Company | $58M | 10.7% | +42% |
| NBT Bank, National Association | $50M | 9.2% | +25% |
| Community Bank, National Association | $47M | 8.6% | +7% |
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 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 Binghamton market
Tioga County is one of 2 counties that make up the Binghamton, NY market, a Metropolitan Statistical Area (ranked #185 of 293 U.S. markets by economic output). It produces 14.6% of the market’s output and holds 13.5% of its deposits.
| Measure | Tioga County | Share of Binghamton market |
|---|---|---|
| 2024 GDP | $1.6B | 14.6% |
| Deposits | $542M | 13.5% |
| Population | 47,453 | 19.5% |
See the Binghamton market in Market Intelligence →
Recruiting in Tioga 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 Tioga County, on a retained basis.
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