Branch Presence
Banks with Branches in Schenectady, NY
12 banks operate 26 branches in Schenectady, NY, ranked below by local branch count from the FDIC Summary of Deposits. This counts every bank with a branch here, not only banks headquartered locally.
Deposit share is each bank's share of the $2.16B held in Schenectady, NY, as of the June 30, 2026 FDIC Summary of Deposits, ranked by deposits (#1 is largest). Banks that book deposits at a headquarters branch can show a share that exceeds their local customer base.
| Bank | Branches in Schenectady | Local deposits | Deposit share |
|---|---|---|---|
| TrustCo Bank | 7 | $714.1M | 33.1% (#1) |
| KeyBank N.A. | 3 | $378.0M | 17.5% (#2) |
| First National Bank of Scotia | 3 | $134.6M | 6.2% (#6) |
| Bank of America, N.A. | 2 | $374.7M | 17.4% (#3) |
| Pioneer Bank, N.A. | 2 | $172.3M | 8.0% (#4) |
| JPMorgan Chase Bank, N.A. | 2 | $64.5M | 3.0% (#8) |
| Arrow Bank N.A. | 2 | $44.4M | 2.1% (#9) |
| NBT Bank, N.A. | 1 | $138.2M | 6.4% (#5) |
| Citizens Bank, N.A. | 1 | $101.2M | 4.7% (#7) |
| Chemung Canal Trust Company, N.A. | 1 | $33.8M | 1.6% (#10) |
| Community Bank, N.A. | 1 | $2.2M | 0.1% (#11) |
| Manufacturers and Traders Trust Company | 1 | $952K | <0.1% (#12) |
County deposit market: Schenectady, NY
The $3.49B held across 13 FDIC-insured banks in this county, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | TrustCo Bank | 35.0% | $1.22B | 12 |
| 2 | KeyBank N.A. | 13.7% | $478.2M | 4 |
| 3 | First National Bank of Scotia | 13.7% | $476.2M | 6 |
| 4 | Bank of America, N.A. | 13.5% | $470.8M | 3 |
| 5 | NBT Bank, N.A. | 6.2% | $215.4M | 2 |
| 6 | Pioneer Bank, N.A. | 4.9% | $172.3M | 2 |
| 7 | Citizens Bank, N.A. | 4.5% | $157.6M | 2 |
| 8 | TD Bank, N.A. | 2.6% | $90.2M | 1 |
| 9 | JPMorgan Chase Bank, N.A. | 2.2% | $77.1M | 3 |
| 10 | Manufacturers and Traders Trust Company | 1.4% | $48.5M | 2 |
Metro area deposit market: Albany-Schenectady-Troy, NY
The $31.10B held across 19 FDIC-insured banks in this metro area, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | KeyBank N.A. | 31.1% | $9.67B | 33 |
| 2 | TrustCo Bank | 11.8% | $3.66B | 52 |
| 3 | Bank of America, N.A. | 9.3% | $2.88B | 12 |
| 4 | Manufacturers and Traders Trust Company | 8.1% | $2.50B | 14 |
| 5 | Citizens Bank, N.A. | 6.8% | $2.10B | 16 |
| 6 | Pioneer Bank, N.A. | 6.3% | $1.96B | 18 |
| 7 | The Adirondack Trust Company | 4.4% | $1.38B | 10 |
| 8 | NBT Bank, N.A. | 4.3% | $1.34B | 15 |
| 9 | TD Bank, N.A. | 3.6% | $1.11B | 7 |
| 10 | Ballston Spa National Bank | 2.9% | $910.3M | 16 |
About this data
Branch counts and local deposits come from the FDIC Summary of Deposits, the annual June 30 survey of branch-office deposits for every FDIC-insured bank. Click any bank to see its full regulatory profile and complete branch network. Looking for banks headquartered here instead? See the US bank directory.