Tompkins County, New York, a core county of the Ithaca-Cortland, NY market, holds $2.9B in deposits across 11 insured institutions and 22 branches. Tompkins Community Bank is the largest deposit holder at 63.1% share. The top three banks hold 78% of deposits, which places the county in the Concentrated band. Deposits have grown 6.4% since 2021 while the branch count fell by 18.5%. It produced $6.4B of real gross domestic product in 2024, ranking #501 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: 27 in 2021 to 22 in 2026. Institutions: 11 to 11. Top-three share: 79% to 78%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Tompkins Community Bank | $1.8B | 63.1% | +5% |
| Manufacturers and Traders Trust Company | $259M | 8.9% | -4% |
| JPMorgan Chase Bank | $174M | 6.0% | +443% |
| Chemung Canal Trust Company | $120M | 4.1% | +13% |
| The First National Bank of Groton | $117M | 4.0% | -2% |
| Community Bank | $108M | 3.7% | -21% |
| KeyBank | $106M | 3.6% | -21% |
| The First National Bank of Dryden | $96M | 3.3% | -20% |
| Tioga State Bank | $46M | 1.6% | +13% |
| Cayuga Lake National Bank | $35M | 1.2% | no 2021 presence |
| Citizens Bank | $16M | 0.5% | -54% |
The 11 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 Ithaca-Cortland market
Tompkins County is one of 2 counties that make up the Ithaca-Cortland, NY market, a Combined Statistical Area (ranked #217 of 293 U.S. markets by economic output). It produces 78.2% of the market’s output and holds 76.8% of its deposits.
| Measure | Tompkins County | Share of parent market |
|---|---|---|
| 2024 GDP | $6.4B | 78.2% |
| Deposits | $2.9B | 76.8% |
| Population | 104,047 | 69.4% |
View the full Ithaca-Cortland market profile →
Recruiting in Tompkins 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 Tompkins County.
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