Warren County, New York, a core county of the Albany-Schenectady, NY market, holds $3.4B in deposits across 10 insured institutions and 26 branches. Arrow Bank National Association is the largest deposit holder at 63.0% share. The top three institutions hold 83.8% of deposits, which places the county in the concentrated band. Deposits have grown 36.2% since 2020 while the branch count fell by 5. It produces $5.4B of output, ranking #568 of the 1,523 counties within a CSA or MSA 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: 31 in 2020 to 26 in 2025. Institutions: 10 to 10. Top-three share: 81.1% to 83.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Arrow Bank | $2.1B | 63.0% | +52% |
| TD Bank | $561M | 16.5% | +14% |
| Citizens Bank | $146M | 4.3% | +20% |
| NBT Bank | $118M | 3.5% | +2% |
| TrustCo Bank | $113M | 3.3% | +37% |
| The Adirondack Trust Company | $87M | 2.6% | +81% |
| Berkshire Bank | $85M | 2.5% | +29% |
| KeyBank | $82M | 2.4% | -21% |
| Community Bank | $49M | 1.4% | +21% |
| Pioneer Bank | $16M | 0.5% | -2% |
The 10 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. Deposit figures are nominal and are not adjusted for inflation.
Part of the Albany-Schenectady market
Warren 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 6.2% of the market’s output and holds 8.9% of its deposits.
| Measure | Warren County | Share of parent market |
|---|---|---|
| 2024 GDP | $5.4B | 6.2% |
| Deposits | $3.4B | 8.9% |
| Population | 65,020 | 5.4% |
View the full Albany-Schenectady market profile →
Recruiting in Warren 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 Warren County, on a retained basis.
Start a confidential conversation