Rochester-Batavia-Seneca Falls, NY, a Combined Statistical Area, holds $28.9 billion in deposits across 21 insured institutions and 219 branches, and ranks #55 of 293 U.S. markets by economic output. Manufacturers and Traders Trust Company is the largest deposit holder at 17.2% share. The top three banks hold 46% of deposits, which places the market in the Moderate band. Deposits have grown 8.6% since 2021 while the branch count fell by 9.5%.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 242 in 2021 to 219 in 2026. Institutions: 21 to 21. Top-three share: 48% to 46%. Average deposits per branch: $132M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $5.0B | 17.2% | -10% |
| The Canandaigua National Bank and Trust Company | $4.5B | 15.7% | +37% |
| KeyBank | $3.8B | 13.1% | -3% |
| JPMorgan Chase Bank | $3.4B | 11.7% | -1% |
| Five Star Bank | $2.8B | 9.6% | +61% |
| Bank of America | $1.9B | 6.5% | 0% |
| Citizens Bank | $1.9B | 6.5% | +2% |
| The Lyons National Bank | $1.5B | 5.2% | +38% |
| Tompkins Community Bank | $1.2B | 4.3% | 0% |
| Genesee Regional Bank | $1.1B | 3.7% | +48% |
| Community Bank | $1.1B | 3.7% | +8% |
| Wayne Bank | $221M | 0.8% | +74% |
| The Upstate National Bank | $179M | 0.6% | +2% |
| NBT Bank | $155M | 0.5% | -26% |
| Savannah Bank | $70M | 0.2% | +18% |
| Northwest Bank | $61M | 0.2% | -33% |
| Nextier Bank | $57M | 0.2% | no 2021 presence |
| CNB Bank | $35M | 0.1% | no 2021 presence |
| Chemung Canal Trust Company | $22M | 0.1% | -37% |
| Woodforest National Bank | $12M | <0.1% | +6% |
| Wilmington Trust | $5M | <0.1% | -57% |
The 21 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Monroe County | New York | $51.6B | 750,506 | 73.2% | 70.5% |
| Ontario County | New York | $6.9B | 113,130 | 9.8% | 13.1% |
| Wayne County | New York | $4.0B | 91,250 | 5.6% | 4.4% |
| Genesee County | New York | $2.7B | 58,416 | 3.8% | 4.2% |
| Livingston County | New York | $2.4B | 61,438 | 3.3% | 4.2% |
| Seneca County | New York | $1.6B | 32,883 | 2.3% | 2.2% |
| Orleans County | New York | $1.5B | 39,825 | 2.1% | 1.5% |
Recruiting in the Rochester-Batavia-Seneca Falls market
Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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 this one.
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