New York · Q2 2026
Erie County, New York
Banks under $100B in assets hold 21% of deposits in Erie County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.
0.0% of Erie County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
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Banks behind this number
13 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Bank of Holland | Holland, NY | $0.3B | Below | — | 100.0% |
| Alden State Bank | Alden, NY | $0.5B | Below | — | 100.0% |
| Lake Shore Bank | Dunkirk, NY | $0.7B | Below | — | 41.1% |
| CNB Bank | Clearfield, PA | $8.4B | Approaching | — | 19.7% |
| Northwest Bank | Warren, PA | $17B | Below | — | 18.1% |
| Cattaraugus County Bank | Little Valley, NY | $0.4B | Below | — | 15.5% |
| NBT Bank, National Association | Norwich, NY | $16B | Below | — | 12.1% |
| Five Star Bank | Rochester, NY | $6.3B | Below | — | 9.3% |
| Community Bank, National Association | Canton, NY | $17B | Below | — | 1.8% |
| Chemung Canal Trust Company | Elmira, NY | $2.8B | Concentrated | 300%+, growth test not met | 1.8% |
| Tompkins Bank & Trust | Ithaca, NY | $8.8B | Concentrated | 300%+, growth test not met | 1.4% |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Concentrated | 300%+, growth test not met | 0.9% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.1% |
- Bank of HollandBelowHolland, NY$0.3B—100.0% of bank deposits
- Alden State BankBelowAlden, NY$0.5B—100.0% of bank deposits
- Lake Shore BankBelowDunkirk, NY$0.7B—41.1% of bank deposits
- CNB BankApproachingClearfield, PA$8.4B—19.7% of bank deposits
- Northwest BankBelowWarren, PA$17B—18.1% of bank deposits
- Little Valley, NY$0.4B—15.5% of bank deposits
- Norwich, NY$16B—12.1% of bank deposits
- Five Star BankBelowRochester, NY$6.3B—9.3% of bank deposits
- Canton, NY$17B—1.8% of bank deposits
- Chemung Canal Trust CompanyConcentratedElmira, NY$2.8B300%+, growth test not met1.8% of bank deposits
- Tompkins Bank & TrustConcentratedIthaca, NY$8.8B300%+, growth test not met1.4% of bank deposits
- NEXTIER BANK, NATIONAL ASSOCIATIONConcentratedKittanning, PA$2.9B300%+, growth test not met0.9% of bank deposits
- The Woodlands, TX$9.0B—0.1% of bank deposits
A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.
What this means
None of the 13 banks under $100B in assets with a branch in Erie County are above a regulatory CRE concentration threshold this quarter. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 2.3%. 2 more sit within one quarter of a threshold.
Coverage is 21%: the rest of the deposits in Erie County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.
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.