Market Intelligence

Windham County, VT

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Windham County, Vermont, a core county of the Keene-Brattleboro, NH-VT market, holds $1.1B in deposits across 6 insured institutions and 15 branches. Manufacturers and Traders Trust Company is the largest deposit holder at 33.0% share. The top three banks hold 81% of deposits, which places the county in the Concentrated band. Deposits have fallen 20.3% since 2021 while the branch count fell by 11.8%. It produced $2.4B of real gross domestic product in 2024, ranking #857 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$2.4B
#857 of 1,523
Population
45,204
#973 of 1,523
GDP per Capita
$52,619
#509 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$1.1B
#913 of 1,523
Deposits per Capita
$23,959
#693 of 1,523
Deposits per Branch
$72M
#1,069 of 1,523
Competitive structure
Insured Institutions
6
#1,145 of 1,523
Branches per 100k Pop.
33.2
#369 of 1,523
Median Deposits per Institution
$186M
The median deposits booked by a single institution in the county. #395 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
30.2%
of county deposits held by banks with $100M to $100B in assets. #1,320 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
81%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2021 to 2026)-20.3% over 5 years
$1.4B
2021
$1.3B
2022
$1.1B
2023
$1.1B
2024
$1.1B
2025
$1.1B
2026

Branches: 17 in 2021 to 15 in 2026. Institutions: 6 to 6. Top-three share: 81% to 81%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Manufacturers and Traders Trust Company$358M33.0%6-39%
TD Bank$261M24.1%2-1%
The Brattleboro Savings and Loan Association$255M23.6%3+1%
Citizens Bank$116M10.7%1-22%
Community Bank$72M6.7%2+8%
KeyBank$21M1.9%1-53%

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 Keene-Brattleboro market

Windham County is one of 2 counties that make up the Keene-Brattleboro, NH-VT market, a Combined Statistical Area (ranked #250 of 293 U.S. markets by economic output). It produces 37.0% of the market’s output and holds 33.6% of its deposits.

MeasureWindham CountyShare of parent market
2024 GDP$2.4B37.0%
Deposits$1.1B33.6%
Population45,20436.6%

View the full Keene-Brattleboro market profile →

Recruiting in Windham 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 Windham County.

See how we help banks recruit commercial banking talent