New York · Q2 2026

Queens County, New York

ECredit pressureE on a scale where E is the highest pressure and A the lowest

6.1% of Queens 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 47%.

Rated on 29% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.

Rank

Outside the top 15

Full ranking is part of Desk

Exposed deposits vs Q1 2026

▲ 0.4 pts

Coverage

Coverage 29% — low

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

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

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Community Federal Savings Bank	Woodhaven, NY	$0.8B	Above threshold	C2	100.0%
Quontic Bank	Astoria, NY	$0.8B	Below	—	100.0%
Maspeth Federal Savings and Loan Association	Maspeth, NY	$2.2B	Below	—	89.4%
Cross County Savings Bank	Middle Village, NY	$0.5B	Below	—	81.1%
Amerasia Bank	Flushing, NY	$1.1B	Concentrated	300%+, growth test not met	69.3%
First Central Savings Bank	Glen Cove, NY	$1.0B	Below	—	62.8%
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Below	—	53.6%
NewBank	Flushing, NY	$0.6B	Below	—	43.7%
Alma Bank	Astoria, NY	$1.6B	Concentrated	300%+, growth test not met	42.0%
New Millennium Bank	Fort Lee, NJ	$0.9B	Below	—	16.3%
Hanover Community Bank	Garden City Park, NY	$2.3B	Concentrated	300%+, growth test not met	15.9%
Woori America Bank	New York, NY	$4.1B	Below	—	14.5%
Abacus Federal Savings Bank	New York, NY	$0.3B	Below	—	14.3%
Preferred Bank	Los Angeles, CA	$7.7B	Concentrated	300%+, growth test not met	13.7%
Habib American Bank	New York, NY	$2.8B	Above threshold	C2	12.5%
Ponce Bank, National Association	Bronx, NY	$3.5B	Above threshold	C1+C2	12.0%
Dime Commercial Bank	Hauppauge, NY	$15B	Concentrated	300%+, growth test not met	11.1%
Shinhan Bank America	New York, NY	$2.2B	Below	—	10.4%
Carver Federal Savings Bank	New York, NY	$0.7B	Concentrated	300%+, growth test not met	9.5%
Industrial and Commercial Bank of China USA, National Association	New York, NY	$2.9B	Below	—	9.0%
CTBC Bank Corp. (USA)	Los Angeles, CA	$5.9B	Below	—	8.4%
Royal Business Bank	Los Angeles, CA	$4.3B	Below	—	7.9%
Flagstar Bank, National Association	Hicksville, NY	$88B	Concentrated	300%+, growth test not met	6.7%
Apple Bank	New York, NY	$20B	Concentrated	300%+, growth test not met	6.1%
Bank of Hope	Los Angeles, CA	$19B	Below	—	6.1%
Hana Bank USA, National Association	Fort Lee, NJ	$0.8B	Below	—	6.0%
Cathay Bank	Los Angeles, CA	$25B	Below	—	5.8%
Webster Bank, National Association	Stamford, CT	$86B	Below	—	4.9%
Metro City Bank	Doraville, GA	$4.5B	Below	—	4.3%
Popular Bank	New York, NY	$15B	Concentrated	300%+, growth test not met	4.3%
PCB Bank	Los Angeles, CA	$3.5B	Concentrated	300%+, growth test not met	4.0%
PromiseOne Bank	Duluth, GA	$0.8B	Below	—	2.3%
ConnectOne Bank	Englewood Cliffs, NJ	$14B	Concentrated	300%+, growth test not met	2.2%
The Bank of Princeton	Princeton, NJ	$2.3B	Concentrated	300%+, growth test not met	1.8%
East West Bank	Pasadena, CA	$84B	Below	—	1.3%
Provident Bank	Jersey City, NJ	$26B	Above threshold	C2	1.0%
Valley National Bank	Passaic, NJ	$66B	Concentrated	300%+, growth test not met	0.6%
EverBank, National Association	Jacksonville, FL	$47B	Below	—	0.1%

Community Federal Savings BankAbove threshold
Woodhaven, NY$0.8BC2100.0% of bank deposits
Quontic BankBelow
Astoria, NY$0.8B—100.0% of bank deposits
Maspeth Federal Savings and Loan AssociationBelow
Maspeth, NY$2.2B—89.4% of bank deposits
Cross County Savings BankBelow
Middle Village, NY$0.5B—81.1% of bank deposits
Amerasia BankConcentrated
Flushing, NY$1.1B300%+, growth test not met69.3% of bank deposits
First Central Savings BankBelow
Glen Cove, NY$1.0B—62.8% of bank deposits
Ridgewood Savings BankBelow
Ridgewood, NY$7.5B—53.6% of bank deposits
NewBankBelow
Flushing, NY$0.6B—43.7% of bank deposits
Alma BankConcentrated
Astoria, NY$1.6B300%+, growth test not met42.0% of bank deposits
New Millennium BankBelow
Fort Lee, NJ$0.9B—16.3% of bank deposits
Hanover Community BankConcentrated
Garden City Park, NY$2.3B300%+, growth test not met15.9% of bank deposits
Woori America BankBelow
New York, NY$4.1B—14.5% of bank deposits
Abacus Federal Savings BankBelow
New York, NY$0.3B—14.3% of bank deposits
Preferred BankConcentrated
Los Angeles, CA$7.7B300%+, growth test not met13.7% of bank deposits
Habib American BankAbove threshold
New York, NY$2.8BC212.5% of bank deposits
Ponce Bank, National AssociationAbove threshold
Bronx, NY$3.5BC1+C212.0% of bank deposits
Dime Commercial BankConcentrated
Hauppauge, NY$15B300%+, growth test not met11.1% of bank deposits
Shinhan Bank AmericaBelow
New York, NY$2.2B—10.4% of bank deposits
Carver Federal Savings BankConcentrated
New York, NY$0.7B300%+, growth test not met9.5% of bank deposits
Industrial and Commercial Bank of China USA, National AssociationBelow
New York, NY$2.9B—9.0% of bank deposits
CTBC Bank Corp. (USA)Below
Los Angeles, CA$5.9B—8.4% of bank deposits
Royal Business BankBelow
Los Angeles, CA$4.3B—7.9% of bank deposits
Flagstar Bank, National AssociationConcentrated
Hicksville, NY$88B300%+, growth test not met6.7% of bank deposits
Apple BankConcentrated
New York, NY$20B300%+, growth test not met6.1% of bank deposits
Bank of HopeBelow
Los Angeles, CA$19B—6.1% of bank deposits
Hana Bank USA, National AssociationBelow
Fort Lee, NJ$0.8B—6.0% of bank deposits
Cathay BankBelow
Los Angeles, CA$25B—5.8% of bank deposits
Webster Bank, National AssociationBelow
Stamford, CT$86B—4.9% of bank deposits
Metro City BankBelow
Doraville, GA$4.5B—4.3% of bank deposits
Popular BankConcentrated
New York, NY$15B300%+, growth test not met4.3% of bank deposits
PCB BankConcentrated
Los Angeles, CA$3.5B300%+, growth test not met4.0% of bank deposits
PromiseOne BankBelow
Duluth, GA$0.8B—2.3% of bank deposits
ConnectOne BankConcentrated
Englewood Cliffs, NJ$14B300%+, growth test not met2.2% of bank deposits
The Bank of PrincetonConcentrated
Princeton, NJ$2.3B300%+, growth test not met1.8% of bank deposits
East West BankBelow
Pasadena, CA$84B—1.3% of bank deposits
Provident BankAbove threshold
Jersey City, NJ$26BC21.0% of bank deposits
Valley National BankConcentrated
Passaic, NJ$66B300%+, growth test not met0.6% of bank deposits
EverBank, National AssociationBelow
Jacksonville, FL$47B—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

4 of the 38 banks under $100B in assets with a branch in Queens County are above a regulatory CRE concentration threshold, and together they hold 6.1% of the county deposits this report covers. Another 13 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 47%. 1 more sits within one quarter of a threshold.

Coverage is 29%: the rest of the deposits in Queens 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.