Overhang

Q2 2026

Q2 2026: one bank crossed a concentration threshold, and four southern New Jersey counties moved with it.

Published 2026-09-15. Read the report

Credit pressure across the Northeast

E is the highest pressure, A the lowest
Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

Hover or tap a county for its grade.

Colour is the grade, not a warning. A high grade means deposits in that county are concentrated in banks carrying heavy commercial real estate books, which is information about exposure, not a claim about losses.

Regional ranking

Highest credit pressure first
RankCountyGradeExposed depositsSince Q1 2026CoverageBanks
#1Franklin County, PAE56%▲ 7 placesCoverage 54%1 above threshold · 2 approaching
#2Mifflin County, PAE48%▼ 1 placeCoverage 100%1 above threshold · 1 approaching
#3Sussex County, NJE81%▼ 1 placeCoverage 57%1 above threshold · 1 concentrated
#4Atlantic County, NJE63%▲ 66 placesRated on 38% of deposits1 above threshold
#5Cumberland County, NJE55%▲ 67 placesCoverage 44%1 above threshold
#6Orange County, NYE10%▼ 2 placesRated on 37% of deposits2 above threshold · 1 approaching · 3 concentrated
#7Morris County, NJE29%▲ 9 placesRated on 34% of deposits1 above threshold · 9 concentrated
#8Hunterdon County, NJE12%▲ 23 placesRated on 31% of deposits1 above threshold · 5 concentrated
#9Cumberland County, MEE49%▲ 3 placesCoverage 57%2 above threshold · 1 concentrated
#10Chester County, PAE18%▼ 1 placeRated on 32% of deposits2 above threshold · 3 concentrated
#11Androscoggin County, MEE28%▼ 5 placesCoverage 77%2 above threshold
#12Passaic County, NJE8.0%▼ 9 placesCoverage 70%1 above threshold · 6 concentrated
#13Essex County, NJE11%▼ 6 placesRated on 37% of deposits1 above threshold · 2 approaching · 12 concentrated
#14Ocean County, NJE60%No changeRated on 25.2% of deposits2 above threshold · 2 approaching · 6 concentrated
#15Huntingdon County, PAE32%▲ 2 placesCoverage 100%2 above threshold · 1 concentrated
Ranking positions 16 to 218, the quarterly series since 2015 and bank-level ratios are part of Desk. See plans

Biggest moves

Measured in points of exposed deposit share versus Q1 2026, not in ranking places.

More exposed

Less exposed

Banks to watch

Within one quarter of a threshold in Q2 2026. Ratios are part of Desk.

All 218 counties

The table the map is drawn from. Grade, exposed deposit share and coverage for every county in Q2 2026.

Connecticut (9)
CountyPressureExposed depositsBroad shareCoverage
Capitol Planning Regionn/a0.0%3.7%Not rated, 18% coverage
Greater Bridgeport Planning Regionn/a7.9%29%Not rated, 12% coverage
Lower Connecticut River Valley Planning RegionB0.0%0.0%Coverage 56%
Naugatuck Valley Planning RegionC0.0%1.0%Coverage 55%
Northeastern Connecticut Planning RegionD0.0%0.0%Coverage 64%
Northwest Hills Planning RegionB0.0%14%Coverage 89%
South Central Connecticut Planning Regionn/a0.0%6.3%Not rated, 24% coverage
Southeastern Connecticut Planning RegionA0.0%3.0%Coverage 51%
Western Connecticut Planning RegionE13%47%Rated on 36% of deposits
Massachusetts (14)
CountyPressureExposed depositsBroad shareCoverage
Barnstable CountyA0.0%0.0%Coverage 65%
Berkshire CountyD20%20%Coverage 51%
Bristol CountyE6.0%27%Coverage 62%
Dukes CountyA0.0%0.0%Coverage 92%
Essex CountyD6.0%7.2%Coverage 57%
Franklin Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Hampden CountyC0.0%30%Coverage 45%
Hampshire CountyC0.0%2.9%Coverage 72%
Middlesex CountyE17%33%Coverage 47%
Nantucket CountyC0.0%16%Coverage 80%
Norfolk CountyE28%29%Coverage 41%
Plymouth CountyE2.2%19%Coverage 60%
Suffolk Countyn/a17%19%Not rated, 2.4% coverage
Worcester CountyE1.1%22%Coverage 48%
Maine (16)
CountyPressureExposed depositsBroad shareCoverage
Androscoggin CountyE28%28%Coverage 77%
Aroostook CountyB0.0%0.0%Coverage 70%
Cumberland CountyE49%49%Coverage 57%
Franklin CountyA0.0%0.0%Coverage 92%
Hancock CountyD0.0%26%Coverage 94%
Kennebec CountyD7.1%9.4%Coverage 62%
Knox CountyD0.0%2.5%Coverage 84%
Lincoln CountyC0.0%0.0%Coverage 100%
Oxford CountyE35%35%Coverage 83%
Penobscot CountyD0.0%8.8%Coverage 79%
Piscataquis Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Sagadahoc CountyB0.0%0.0%Coverage 100%
Somerset CountyB0.0%3.7%Coverage 100%
Waldo CountyD0.0%0.0%Coverage 91%
Washington CountyC0.0%12%Coverage 100%
York CountyE12%46%Coverage 70%
New Hampshire (10)
CountyPressureExposed depositsBroad shareCoverage
Belknap CountyD0.0%47%Coverage 60%
Carroll CountyD0.0%27%Coverage 57%
Cheshire CountyA0.0%0.0%Coverage 53%
Coos CountyC0.0%16%Coverage 84%
Grafton CountyD0.0%26%Coverage 67%
Hillsborough Countyn/a5.3%34%Not rated, 14% coverage
Merrimack CountyC0.0%37%Coverage 44%
Rockingham CountyE35%42%Rated on 29% of deposits
Strafford CountyB0.0%22%Rated on 38% of deposits
Sullivan CountyB0.0%30%Coverage 93%
New Jersey (21)
CountyPressureExposed depositsBroad shareCoverage
Atlantic CountyE63%63%Rated on 38% of deposits
Bergen CountyE8.7%59%Coverage 43%
Burlington CountyE7.0%36%Rated on 27% of deposits
Camden Countyn/a0.0%19%Not rated, 20% coverage
Cape May CountyE26%26%Coverage 59%
Cumberland CountyE55%55%Coverage 44%
Essex CountyE11%92%Rated on 37% of deposits
Gloucester CountyD5.1%18%Coverage 47%
Hudson Countyn/a25%93%Not rated, 11% coverage
Hunterdon CountyE12%63%Rated on 31% of deposits
Mercer Countyn/a12%59%Not rated, 18% coverage
Middlesex Countyn/a37%81%Not rated, 23% coverage
Monmouth CountyE34%97%Rated on 29% of deposits
Morris CountyE29%90%Rated on 34% of deposits
Ocean CountyE60%92%Rated on 25.2% of deposits
Passaic CountyE8.0%99.5%Coverage 70%
Salem CountyB0.0%0.0%Coverage 92%
Somerset CountyE15%73%Rated on 28% of deposits
Sussex CountyE81%93%Coverage 57%
Union CountyE7.1%77%Rated on 31% of deposits
Warren CountyE9.6%30%Rated on 38% of deposits
New York (62)
CountyPressureExposed depositsBroad shareCoverage
Albany Countyn/a0.0%10%Not rated, 20% coverage
Allegany CountyC0.0%0.0%Coverage 100%
Bronx Countyn/a28%83%Not rated, 23% coverage
Broome CountyD0.0%12%Rated on 31% of deposits
Cattaraugus CountyB0.0%0.0%Coverage 91%
Cayuga CountyB0.0%26%Coverage 68%
Chautauqua CountyA0.0%0.0%Coverage 67%
Chemung CountyD0.0%52%Coverage 97%
Chenango Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Clinton CountyB0.0%0.0%Coverage 62%
Columbia CountyC0.0%0.0%Coverage 52%
Cortland CountyB0.0%20%Coverage 69%
Delaware CountyB0.0%0.0%Coverage 100%
Dutchess CountyC0.0%15%Rated on 25.9% of deposits
Erie Countyn/a0.0%2.3%Not rated, 21% coverage
Essex CountyC0.0%0.0%Coverage 100%
Franklin CountyB0.0%0.0%Coverage 87%
Fulton Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Genesee CountyD0.0%61%Coverage 55%
Greene CountyC0.0%0.0%Rated on 30% of deposits
Hamilton Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Herkimer CountyA0.0%0.0%Coverage 51%
Jefferson CountyA0.0%1.3%Coverage 79%
Kings Countyn/a1.3%73%Not rated, 17% coverage
Lewis Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Livingston CountyD0.0%30%Coverage 89%
Madison CountyC0.0%0.0%Coverage 80%
Monroe CountyB0.0%11%Rated on 25.6% of deposits
Montgomery CountyC0.0%0.0%Coverage 59%
Nassau CountyD1.2%41%Rated on 36% of deposits
New York Countyn/a2.1%26%Not rated, 6.7% coverage
Niagara Countyn/a0.0%0.0%Not rated, 24% coverage
Oneida CountyB0.0%0.0%Rated on 34% of deposits
Onondaga CountyB0.0%2.1%Rated on 29% of deposits
Ontario CountyB0.0%0.0%Coverage 84%
Orange CountyE10%42%Rated on 37% of deposits
Orleans Countyn/a0.0%46%Fewer than 3 banks under $100B in assets
Oswego CountyC0.0%0.0%Coverage 87%
Otsego CountyC0.0%0.0%Coverage 89%
Putnam CountyC0.0%83%Rated on 29% of deposits
Queens CountyE6.1%47%Rated on 29% of deposits
Rensselaer CountyA0.0%0.0%Coverage 40%
Richmond CountyD0.0%97%Rated on 35% of deposits
Rockland Countyn/a17%52%Not rated, 14% coverage
Saratoga CountyB0.0%3.1%Coverage 58%
Schenectady CountyA0.0%1.6%Coverage 62%
Schoharie CountyA0.0%0.0%Coverage 86%
Schuyler Countyn/a0.0%74%Fewer than 3 banks under $100B in assets
Seneca CountyB0.0%3.4%Coverage 79%
St. Lawrence CountyA0.0%0.9%Coverage 87%
Steuben CountyD0.0%13%Coverage 95%
Suffolk CountyC0.0%72%Rated on 26% of deposits
Sullivan CountyD6.9%6.9%Coverage 60%
Tioga CountyC0.0%31%Coverage 89%
Tompkins CountyC0.0%72%Coverage 74%
Ulster CountyB0.0%0.0%Coverage 47%
Warren CountyA0.0%0.0%Coverage 59%
Washington CountyA0.0%0.0%Coverage 71%
Wayne CountyB0.0%0.0%Coverage 86%
Westchester Countyn/a0.7%25%Not rated, 7.5% coverage
Wyoming CountyD0.0%49%Coverage 78%
Yates CountyC0.0%0.0%Coverage 100%
Pennsylvania (67)
CountyPressureExposed depositsBroad shareCoverage
Adams Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Allegheny Countyn/a1.0%7.7%Not rated, 24.9% coverage
Armstrong CountyB0.0%46%Coverage 85%
Beaver CountyB0.0%2.0%Coverage 49%
Bedford CountyC0.0%0.0%Coverage 79%
Berks CountyA0.0%13%Coverage 51%
Blair CountyD2.8%10%Coverage 62%
Bradford CountyD0.0%5.0%Coverage 89%
Bucks CountyE15%21%Rated on 38% of deposits
Butler CountyC0.0%38%Coverage 54%
Cambria CountyA0.0%21%Coverage 100%
Cameron Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Carbon CountyC0.0%0.0%Coverage 84%
Centre CountyE21%32%Coverage 54%
Chester CountyE18%43%Rated on 32% of deposits
Clarion CountyA0.0%22%Coverage 90%
Clearfield CountyD0.0%38%Coverage 90%
Clinton CountyA0.0%0.0%Coverage 62%
Columbia CountyA0.0%0.0%Coverage 78%
Crawford CountyB0.0%0.0%Coverage 75%
Cumberland CountyE10%29%Rated on 37% of deposits
Dauphin CountyD1.0%31%Coverage 55%
Delaware CountyE29%37%Rated on 26% of deposits
Elk CountyA0.0%0.0%Coverage 100%
Erie CountyA0.0%0.0%Coverage 59%
Fayette CountyA0.0%7.2%Coverage 67%
Forest Countyno branches––
Franklin CountyE56%56%Coverage 54%
Fulton Countyn/a48%48%Fewer than 3 banks under $100B in assets
Greene CountyA0.0%0.0%Coverage 90%
Huntingdon CountyE32%42%Coverage 100%
Indiana CountyC0.0%48%Coverage 89%
Jefferson CountyC0.0%53%Coverage 100%
Juniata CountyD9.5%9.5%Coverage 100%
Lackawanna CountyB0.0%0.0%Coverage 65%
Lancaster CountyA0.0%7.0%Coverage 55%
Lawrence CountyB0.0%0.0%Coverage 59%
Lebanon CountyB0.0%0.0%Coverage 82%
Lehigh CountyD8.9%29%Coverage 41%
Luzerne CountyC0.0%5.7%Rated on 34% of deposits
Lycoming CountyA0.0%0.0%Coverage 59%
McKean CountyA0.0%0.0%Coverage 94%
Mercer CountyB0.0%1.2%Coverage 68%
Mifflin CountyE48%48%Coverage 100%
Monroe CountyC0.0%0.0%Rated on 30% of deposits
Montgomery CountyD4.3%9.3%Rated on 28% of deposits
Montour CountyA0.0%0.0%Coverage 75%
Northampton CountyD3.0%3.0%Coverage 40%
Northumberland CountyA0.0%0.0%Coverage 48%
Perry CountyB0.0%11%Coverage 100%
Philadelphia Countyn/a5.9%12%Not rated, 9.9% coverage
Pike CountyC0.0%0.0%Coverage 57%
Potter CountyD0.0%0.0%Coverage 100%
Schuylkill CountyC0.0%52%Coverage 45%
Snyder CountyB0.0%0.0%Coverage 54%
Somerset CountyA0.0%14%Coverage 89%
Sullivan Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Susquehanna CountyC0.0%0.0%Coverage 100%
Tioga CountyD0.0%0.0%Coverage 100%
Union CountyC0.0%0.0%Coverage 58%
Venango CountyA0.0%0.0%Coverage 78%
Warren CountyA0.0%0.0%Coverage 59%
Washington CountyA0.0%4.0%Coverage 50%
Wayne CountyC0.0%0.0%Coverage 95%
Westmoreland CountyB0.0%28%Coverage 59%
Wyoming CountyB0.0%0.0%Coverage 95%
York CountyB0.0%0.0%Coverage 41%
Rhode Island (5)
CountyPressureExposed depositsBroad shareCoverage
Bristol CountyC0.0%10%Rated on 27% of deposits
Kent CountyD0.0%36%Rated on 37% of deposits
Newport CountyD0.0%10%Coverage 60%
Providence Countyn/a0.0%53%Not rated, 10% coverage
Washington CountyD0.0%84%Coverage 52%
Vermont (14)
CountyPressureExposed depositsBroad shareCoverage
Addison CountyA0.0%0.0%Coverage 74%
Bennington CountyA0.0%0.0%Coverage 51%
Caledonia CountyB0.0%25%Coverage 91%
Chittenden Countyn/a15%20%Not rated, 22% coverage
Essex Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Franklin CountyB0.0%18%Coverage 62%
Grand Isle Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Lamoille CountyD0.0%92%Coverage 62%
Orange CountyA0.0%17%Coverage 100%
Orleans Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Rutland CountyC0.0%44%Rated on 30% of deposits
Washington CountyA0.0%2.7%Coverage 59%
Windham Countyn/a0.0%0.0%Fewer than 3 banks under $100B in assets
Windsor CountyD0.0%12%Coverage 74%

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Calculation v1 · Call report Q2 2026 · Summary of Deposits 2025 · Universe: banks under $100B in assets · Methodology

Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.

Nothing on this page is investment advice.