Trust and Investment Services

Please call our Trust Department at 855-363-3544 if you have any questions or would like to schedule an appointment.
What our trust and investment services can provide for you:

  • Investment Management, acting as your agent in recommending investment strategies and managing your individual or retirement (IRA/SEP) portfolio, or acting as agent and manager for corporate retirement portfolios (401K Plans)
  • Estate Settlement, acting as your executor
  • Trusteeship, acting as trustee under your will, agreement or IRA
  • Custodianship, acting as your agent in safekeeping, transferring securities and collection of income

 Other Services:
  • Singular (one time) purchase/sale of securities
  • Estate/Trust management for individual fiduciaries
  • Safekeeping of assets and providing consultation as a fiduciary or custodian.


Please Note - For Non-Deposit Investment Sales: These products are not FDIC insured. These products are not deposit or obligations of, or guaranteed by, the deposit institution. These products are subject to investment risks, including possible loss of the principal amount invested.

Trust and Investments

Our Trust Department can provide for you Custodianship, Estate Settlement, Trusteeship, and Investment Management.

  • Main Bank Contact Information

    124 Main Street
    Delhi , NY 13753

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    Call Us
    General Calls: 855-413-3544
    General Fax: 855-450-1433

    Hours
    Mon: 9:00AM-5:00PM
    Tue: 9:00AM-5:00PM
    Wed: 9:00AM-5:00PM
    Thu: 9:00AM-5:00PM
    Fri: 9:00AM-5:00PM
    Sat: 9:00AM-12:00PM

  • Margaretville Branch

    42568 ST HWY 28
    Margaretville, NY 12455

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    Call Us
    General Calls : 855-423-3544
    General Fax: 855-450-1431

    Hours
    Mon: 9:00AM-5:00PM
    Tue: 9:00AM-5:00PM
    Wed: 9:00AM-5:00PM
    Thu: 9:00AM-5:00PM
    Fri: 9:00AM-5:00PM
    Sat: 9:00AM-12:00PM

  • Davenport Branch

    2503 Prosser Hollow Rd. PO Box 25
    Davenport, NY 13750

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    Call Us
    General Calls: 855-433-3544
    General Fax: 855-450-1432

    Hours
    Mon: 9:00AM-5:00PM
    Tue: 9:00AM-5:00PM
    Wed: 9:00AM-5:00PM
    Thu: 9:00AM-5:00PM
    Fri: 9:00AM-5:00PM
    Sat: 9:00AM-12:00PM

  • Hobart Branch

    1058 Main Street
    Hobart, NY 13788

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    Call Us
    General Calls : 855-443-3544
    General Fax: 607-538-3072

    Hours
    Mon: 9:00AM-5:00PM
    Tue: 9:00AM-5:00PM
    Wed: 9:00AM-5:00PM
    Thu: 9:00AM-5:00PM
    Fri: 9:00AM-5:00PM
    Sat: 9:00AM-12:00PM

  • Oneonta Loan Office

    265 Main Street Suite 7
    Oneonta, NY 13820

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    General Calls : 855-403-3544
    General Fax : 607-433-2474

    Hours
    Mon: 10:00AM-4:00PM
    Tue: 10:00AM-4:00PM
    Wed: 10:00AM-4:00PM
    Thu: 10:00AM-4:00PM
    Fri: 10:00AM-4:00PM

  • Sidney Loan Office

    276 State Highway 7
    Sidney, NY 13838

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    Call Us
    Phone Number: (855) 483-3544

    Hours
    Mon: 8:30AM-5:00PM
    Tue: 8:30AM-5:00PM
    Wed: 8:30AM-5:00PM
    Thu: 8:30AM-5:00PM
    Fri: 8:30AM-5:00PM