County banking markets / NY / 36093
SchenectadyNew York
FIPS 36093. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 62 counties in New York’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,475) and moderately concentrated on deposits (1,821).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
48 branch offices and 13 institutions in 1994; 40 and 12 in 2025. Deposits booked in the county went from $2.24B to $3.45B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | TrustCo Bank cert 31945 | $1.17B | 34.06% | 12 | 30.00% |
| 2 | Bank of America, National Association cert 3510 | $467.0M | 13.54% | 3 | 7.50% |
| 3 | First National Bank of Scotia cert 11501 | $463.1M | 13.43% | 6 | 15.00% |
| 4 | KeyBank National Association cert 17534 | $461.8M | 13.39% | 4 | 10.00% |
| 5 | NBT Bank, National Association cert 7230 | $252.0M | 7.31% | 2 | 5.00% |
| 6 | Pioneer Bank, National Association cert 20741 | $171.9M | 4.99% | 2 | 5.00% |
| 7 | Citizens Bank, National Association cert 57957 | $155.6M | 4.51% | 2 | 5.00% |
| 8 | TD Bank, National Association cert 18409 | $116.9M | 3.39% | 1 | 2.50% |
| 9 | JPMorgan Chase Bank, National Association cert 628 | $65.7M | 1.90% | 3 | 7.50% |
| 10 | Manufacturers and Traders Trust Company cert 588 | $50.0M | 1.45% | 2 | 5.00% |
| 11 | Arrow Bank National Association cert 7074 | $36.6M | 1.06% | 2 | 5.00% |
| 12 | Chemung Canal Trust Company cert 597 | $33.7M | 0.98% | 1 | 2.50% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to New York, or read the methodology for the two HHI constructions and what they cannot tell you.