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 banks hold 82% of deposits, which places the county in the Concentrated band. Deposits have grown 5.5% since 2020 while the branch count fell by 16.7%. It produces $1.6B of output, ranking #1,013 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: 12 in 2020 to 10 in 2025. Institutions: 5 to 5. Top-three share: 84% to 82%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Tioga State Bank | $238M | 43.9% | -3% |
| Chemung Canal Trust Company | $150M | 27.6% | +5% |
| Manufacturers and Traders Trust Company | $58M | 10.7% | +42% |
| NBT Bank | $50M | 9.2% | +25% |
| Community Bank | $47M | 8.6% | +7% |
The 5 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 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 parent market |
|---|---|---|
| 2024 GDP | $1.6B | 14.6% |
| Deposits | $542M | 13.5% |
| Population | 47,453 | 19.5% |
View the full Binghamton market profile →
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.
See how we help banks recruit commercial banking talent