New York · Q2 2026
Orange County, New York
10% of Orange 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 42%.
Rated on 37% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.
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Banks behind this number
15 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| First Federal Savings of Middletown | Middletown, NY | $0.2B | Below | — | 100.0% |
| Walden Savings Bank | Montgomery, NY | $1.0B | Below | — | 94.1% |
| Wallkill Valley Federal Savings and Loan Association | Wallkill, NY | $0.5B | Below | — | 59.2% |
| Orange Bank & Trust Company | Middletown, NY | $2.8B | Concentrated | 300%+, growth test not met | 47.1% |
| The Berkshire Bank | New York, NY | $0.5B | Below | — | 26.6% |
| NorthEast Community Bank | White Plains, NY | $2.1B | Above threshold | C1 | 20.4% |
| Rhinebeck Bank | Rhinebeck, NY | $1.5B | Below | — | 12.7% |
| Jeff Bank, National Association | Jeffersonville, NY | $0.7B | Below | — | 5.2% |
| Ulster Savings Bank | Kingston, NY | $1.4B | Below | — | 4.3% |
| International Bank of Chicago | Chicago, IL | $1.0B | Below | — | 3.0% |
| ConnectOne Bank | Englewood Cliffs, NJ | $14B | Concentrated | 300%+, growth test not met | 2.1% |
| Webster Bank, National Association | Stamford, CT | $86B | Below | — | 1.7% |
| Provident Bank | Jersey City, NJ | $26B | Above threshold | C2 | 1.0% |
| NBT Bank, National Association | Norwich, NY | $16B | Below | — | 1.0% |
| TrustCo Bank | Glenville, NY | $6.5B | Below | — | 0.4% |
- Middletown, NY$0.2B—100.0% of bank deposits
- Walden Savings BankBelowMontgomery, NY$1.0B—94.1% of bank deposits
- Wallkill, NY$0.5B—59.2% of bank deposits
- Orange Bank & Trust CompanyConcentratedMiddletown, NY$2.8B300%+, growth test not met47.1% of bank deposits
- The Berkshire BankBelowNew York, NY$0.5B—26.6% of bank deposits
- NorthEast Community BankAbove thresholdWhite Plains, NY$2.1BC120.4% of bank deposits
- Rhinebeck BankBelowRhinebeck, NY$1.5B—12.7% of bank deposits
- Jeffersonville, NY$0.7B—5.2% of bank deposits
- Ulster Savings BankBelowKingston, NY$1.4B—4.3% of bank deposits
- Chicago, IL$1.0B—3.0% of bank deposits
- ConnectOne BankConcentratedEnglewood Cliffs, NJ$14B300%+, growth test not met2.1% of bank deposits
- Stamford, CT$86B—1.7% of bank deposits
- Provident BankAbove thresholdJersey City, NJ$26BC21.0% of bank deposits
- Norwich, NY$16B—1.0% of bank deposits
- TrustCo BankBelowGlenville, NY$6.5B—0.4% 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
2 of the 15 banks under $100B in assets with a branch in Orange County are above a regulatory CRE concentration threshold, and together they hold 10% of the county deposits this report covers. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 42%. 1 more sits within one quarter of a threshold.
Coverage is 37%: the rest of the deposits in Orange 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.