New York · Q2 2026

New York County, New York

n/aCredit pressureNot rated — 6.7% coverage

Banks under $100B in assets hold 6.7% of deposits in New York County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.

2.1% of New York County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.

Counting institutions that are concentrated but do not meet the growth test, the share is 26%.

Rank

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Exposed deposits vs Q1 2026

▲ 0.2 pts

Coverage

Coverage 6.7% — not rated

Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

Hover or tap a county for its grade.

Banks behind this number

55 banks under $100B in assets with a branch here

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Deutsche Bank Trust Company Americas	New York, NY	$41B	Below	—	100.0%
Bessemer Trust Company, National Association Fewer than 12 quarters of history; criterion 2 not evaluated	New York, NY	$4.2B	Below	—	100.0%
Modern Bank, National Association	New York, NY	$0.6B	Below	—	100.0%
United Orient Bank	New York, NY	$0.1B	Concentrated	300%+, growth test not met	100.0%
Eastbank, National Association	New York, NY	$0.2B	Below	—	100.0%
BTG Pactual Bank, National Association	New York, NY	$1.0B	Below	—	100.0%
Alpine Capital Bank	New York, NY	$0.2B	Above threshold	C2	100.0%
Piermont Bank	New York, NY	$0.5B	Concentrated	300%+, growth test not met	100.0%
Metropolitan Commercial Bank	New York, NY	$8.9B	Concentrated	300%+, growth test not met	93.9%
Global Bank	New York, NY	$0.3B	Below	—	88.5%
Amalgamated Bank	New York, NY	$9.4B	Below	—	75.0%
Grasshopper Bank, N.A.	New York, NY	$1.6B	Below	—	73.1%
Israel Discount Bank of New York	New York, NY	$14B	Approaching	—	70.1%
Safra National Bank of New York	New York, NY	$16B	Below	—	69.6%
Interaudi Bank	New York, NY	$2.7B	Below	—	65.0%
Ponce Bank, National Association	Bronx, NY	$3.5B	Above threshold	C1+C2	59.8%
Carver Federal Savings Bank	New York, NY	$0.7B	Concentrated	300%+, growth test not met	59.3%
Abacus Federal Savings Bank	New York, NY	$0.3B	Below	—	49.3%
The Berkshire Bank	New York, NY	$0.5B	Below	—	45.8%
BankUnited, National Association	Miami Lakes, FL	$35B	Below	—	32.2%
Industrial and Commercial Bank of China USA, National Association	New York, NY	$2.9B	Below	—	29.0%
Habib American Bank	New York, NY	$2.8B	Above threshold	C2	28.2%
Hanover Community Bank	Garden City Park, NY	$2.3B	Concentrated	300%+, growth test not met	27.8%
Peapack Private Bank & Trust	Bedminster, NJ	$8.0B	Concentrated	300%+, growth test not met	24.4%
City National Bank	Los Angeles, CA	$99B	Below	—	22.9%
Apple Bank	New York, NY	$20B	Concentrated	300%+, growth test not met	19.8%
Emigrant Bank	Miami, FL	$5.7B	Below	—	17.4%
Popular Bank	New York, NY	$15B	Concentrated	300%+, growth test not met	15.3%
Fieldpoint Private Bank & Trust	Greenwich, CT	$0.9B	Below	—	14.2%
Flagstar Bank, National Association	Hicksville, NY	$88B	Concentrated	300%+, growth test not met	14.1%
NorthEast Community Bank	White Plains, NY	$2.1B	Above threshold	C1	11.7%
Shinhan Bank America	New York, NY	$2.2B	Below	—	11.3%
Hana Bank USA, National Association	Fort Lee, NJ	$0.8B	Below	—	10.8%
Valley National Bank	Passaic, NJ	$66B	Concentrated	300%+, growth test not met	10.1%
NewBank	Flushing, NY	$0.6B	Below	—	9.5%
International Finance Bank	Miami, FL	$1.6B	Above threshold	C2	8.7%
Industrial Bank	Washington, DC	$0.8B	Below	—	8.4%
Alma Bank	Astoria, NY	$1.6B	Concentrated	300%+, growth test not met	5.4%
Bank of Hope	Los Angeles, CA	$19B	Below	—	5.2%
East West Bank	Pasadena, CA	$84B	Below	—	4.7%
New Millennium Bank	Fort Lee, NJ	$0.9B	Below	—	4.4%
Dime Commercial Bank	Hauppauge, NY	$15B	Concentrated	300%+, growth test not met	4.1%
Cathay Bank	Los Angeles, CA	$25B	Below	—	4.0%
Woori America Bank	New York, NY	$4.1B	Below	—	3.8%
Royal Business Bank	Los Angeles, CA	$4.3B	Below	—	3.6%
OceanFirst Bank, National Association	Toms River, NJ	$23B	Above threshold	C2	3.3%
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Below	—	3.1%
Hanmi Bank	Los Angeles, CA	$8.0B	Concentrated	300%+, growth test not met	2.2%
ConnectOne Bank	Englewood Cliffs, NJ	$14B	Concentrated	300%+, growth test not met	2.0%
First Horizon Bank	Memphis, TN	$84B	Below	—	1.1%
Western Alliance Bank	Phoenix, AZ	$99B	Below	—	0.8%
Centennial Bank	Conway, AR	$25B	Below	—	0.8%
Webster Bank, National Association	Stamford, CT	$86B	Below	—	0.2%
Preferred Bank	Los Angeles, CA	$7.7B	Concentrated	300%+, growth test not met	0.1%

Deutsche Bank Trust Company AmericasBelow
New York, NY$41B—100.0% of bank deposits
Bessemer Trust Company, National AssociationBelow
New York, NY$4.2B—100.0% of bank deposits
Fewer than 12 quarters of history; criterion 2 not evaluated
Modern Bank, National AssociationBelow
New York, NY$0.6B—100.0% of bank deposits
United Orient BankConcentrated
New York, NY$0.1B300%+, growth test not met100.0% of bank deposits
Eastbank, National AssociationBelow
New York, NY$0.2B—100.0% of bank deposits
BTG Pactual Bank, National AssociationBelow
New York, NY$1.0B—100.0% of bank deposits
Alpine Capital BankAbove threshold
New York, NY$0.2BC2100.0% of bank deposits
Piermont BankConcentrated
New York, NY$0.5B300%+, growth test not met100.0% of bank deposits
Metropolitan Commercial BankConcentrated
New York, NY$8.9B300%+, growth test not met93.9% of bank deposits
Global BankBelow
New York, NY$0.3B—88.5% of bank deposits
Amalgamated BankBelow
New York, NY$9.4B—75.0% of bank deposits
Grasshopper Bank, N.A.Below
New York, NY$1.6B—73.1% of bank deposits
Israel Discount Bank of New YorkApproaching
New York, NY$14B—70.1% of bank deposits
Safra National Bank of New YorkBelow
New York, NY$16B—69.6% of bank deposits
Interaudi BankBelow
New York, NY$2.7B—65.0% of bank deposits
Ponce Bank, National AssociationAbove threshold
Bronx, NY$3.5BC1+C259.8% of bank deposits
Carver Federal Savings BankConcentrated
New York, NY$0.7B300%+, growth test not met59.3% of bank deposits
Abacus Federal Savings BankBelow
New York, NY$0.3B—49.3% of bank deposits
The Berkshire BankBelow
New York, NY$0.5B—45.8% of bank deposits
BankUnited, National AssociationBelow
Miami Lakes, FL$35B—32.2% of bank deposits
Industrial and Commercial Bank of China USA, National AssociationBelow
New York, NY$2.9B—29.0% of bank deposits
Habib American BankAbove threshold
New York, NY$2.8BC228.2% of bank deposits
Hanover Community BankConcentrated
Garden City Park, NY$2.3B300%+, growth test not met27.8% of bank deposits
Peapack Private Bank & TrustConcentrated
Bedminster, NJ$8.0B300%+, growth test not met24.4% of bank deposits
City National BankBelow
Los Angeles, CA$99B—22.9% of bank deposits
Apple BankConcentrated
New York, NY$20B300%+, growth test not met19.8% of bank deposits
Emigrant BankBelow
Miami, FL$5.7B—17.4% of bank deposits
Popular BankConcentrated
New York, NY$15B300%+, growth test not met15.3% of bank deposits
Fieldpoint Private Bank & TrustBelow
Greenwich, CT$0.9B—14.2% of bank deposits
Flagstar Bank, National AssociationConcentrated
Hicksville, NY$88B300%+, growth test not met14.1% of bank deposits
NorthEast Community BankAbove threshold
White Plains, NY$2.1BC111.7% of bank deposits
Shinhan Bank AmericaBelow
New York, NY$2.2B—11.3% of bank deposits
Hana Bank USA, National AssociationBelow
Fort Lee, NJ$0.8B—10.8% of bank deposits
Valley National BankConcentrated
Passaic, NJ$66B300%+, growth test not met10.1% of bank deposits
NewBankBelow
Flushing, NY$0.6B—9.5% of bank deposits
International Finance BankAbove threshold
Miami, FL$1.6BC28.7% of bank deposits
Industrial BankBelow
Washington, DC$0.8B—8.4% of bank deposits
Alma BankConcentrated
Astoria, NY$1.6B300%+, growth test not met5.4% of bank deposits
Bank of HopeBelow
Los Angeles, CA$19B—5.2% of bank deposits
East West BankBelow
Pasadena, CA$84B—4.7% of bank deposits
New Millennium BankBelow
Fort Lee, NJ$0.9B—4.4% of bank deposits
Dime Commercial BankConcentrated
Hauppauge, NY$15B300%+, growth test not met4.1% of bank deposits
Cathay BankBelow
Los Angeles, CA$25B—4.0% of bank deposits
Woori America BankBelow
New York, NY$4.1B—3.8% of bank deposits
Royal Business BankBelow
Los Angeles, CA$4.3B—3.6% of bank deposits
OceanFirst Bank, National AssociationAbove threshold
Toms River, NJ$23BC23.3% of bank deposits
Ridgewood Savings BankBelow
Ridgewood, NY$7.5B—3.1% of bank deposits
Hanmi BankConcentrated
Los Angeles, CA$8.0B300%+, growth test not met2.2% of bank deposits
ConnectOne BankConcentrated
Englewood Cliffs, NJ$14B300%+, growth test not met2.0% of bank deposits
First Horizon BankBelow
Memphis, TN$84B—1.1% of bank deposits
Western Alliance BankBelow
Phoenix, AZ$99B—0.8% of bank deposits
Centennial BankBelow
Conway, AR$25B—0.8% of bank deposits
Webster Bank, National AssociationBelow
Stamford, CT$86B—0.2% of bank deposits
Preferred BankConcentrated
Los Angeles, CA$7.7B300%+, growth test not met0.1% 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

6 of the 55 banks under $100B in assets with a branch in New York County are above a regulatory CRE concentration threshold, and together they hold 2.1% of the county deposits this report covers. Another 16 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 26%. 2 more sit within one quarter of a threshold.

Coverage is 6.7%: the rest of the deposits in New York 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.

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.