Syracuse-Auburn, NY, a Combined Statistical Area, holds $17.2 billion in deposits across 20 insured institutions and 169 branches, ranking #79 of 293 U.S. markets by economic output. Manufacturers and Traders Trust Company is the largest deposit holder at 21.2% share. The top three institutions hold 47.7% of deposits, which places the market in the moderate band.
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: 173 in 2020 to 169 in 2025. Institutions: 23 to 20. Top-three share: 53.5% to 47.7%. Deposits per branch: $101M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $3.6B | 21.2% | -9% |
| KeyBank | $2.8B | 16.2% | -20% |
| JPMorgan Chase Bank | $1.8B | 10.3% | +24% |
| NBT Bank | $1.4B | 8.4% | +42% |
| Community Bank | $1.4B | 8.4% | +36% |
| Pathfinder Bank | $1.2B | 7.2% | +25% |
| Bank of America | $1.2B | 7.1% | -4% |
| Solvay Bank | $1.1B | 6.2% | +12% |
| Geddes Federal Savings and Loan Association | $0.5B | 2.8% | +13% |
| Citizens Bank | $0.4B | 2.1% | -6% |
| Fulton Savings Bank | $305M | 1.8% | +9% |
| Five Star Bank | $247M | 1.4% | +257% |
| Tompkins Community Bank | $244M | 1.4% | +8% |
| Seneca Savings | $233M | 1.4% | +42% |
| Cayuga Lake National Bank | $217M | 1.3% | +29% |
| The Lyons National Bank | $149M | 0.9% | +22% |
| Chemung Canal Trust Company | $118M | 0.7% | +7% |
| Savannah Bank | $103M | 0.6% | +21% |
| Generations Bank | $61M | 0.4% | +2% |
| The First National Bank of Groton | $58M | 0.3% | +9% |
The 20 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 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 | |
|---|---|---|---|---|---|
| Onondaga County | New York | $33.3B | 466,584 | 72.3% | 73.2% |
| Oswego County | New York | $7.2B | 118,569 | 15.7% | 10.1% |
| Cayuga County | New York | $3.1B | 74,365 | 6.8% | 9.5% |
| Madison County | New York | $2.4B | 67,120 | 5.2% | 7.3% |
Recruiting in the Syracuse-Auburn 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.
See how we help banks recruit commercial banking talent