New York · Q2 2026
Richmond County, New York
0.0% of Richmond 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 97%.
Rated on 35% 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
9 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Empire State Bank | Staten Island, NY | $0.6B | Concentrated | 300%+, growth test not met | 60.2% |
| Northfield Bank | Staten Island, NY | $5.5B | Concentrated | 300%+, growth test not met | 44.3% |
| Dime Commercial Bank | Hauppauge, NY | $15B | Concentrated | 300%+, growth test not met | 7.9% |
| BCB Community Bank | Bayonne, NJ | $3.1B | Concentrated | 300%+, growth test not met | 4.6% |
| Flagstar Bank, National Association | Hicksville, NY | $88B | Concentrated | 300%+, growth test not met | 4.2% |
| Apple Bank | New York, NY | $20B | Concentrated | 300%+, growth test not met | 2.0% |
| Israel Discount Bank of New York | New York, NY | $14B | Approaching | — | 1.8% |
| Kearny Bank | Kearny, NJ | $7.7B | Concentrated | 300%+, growth test not met | 0.9% |
| Valley National Bank | Passaic, NJ | $66B | Concentrated | 300%+, growth test not met | 0.1% |
- Empire State BankConcentratedStaten Island, NY$0.6B300%+, growth test not met60.2% of bank deposits
- Northfield BankConcentratedStaten Island, NY$5.5B300%+, growth test not met44.3% of bank deposits
- Dime Commercial BankConcentratedHauppauge, NY$15B300%+, growth test not met7.9% of bank deposits
- BCB Community BankConcentratedBayonne, NJ$3.1B300%+, growth test not met4.6% of bank deposits
- Flagstar Bank, National AssociationConcentratedHicksville, NY$88B300%+, growth test not met4.2% of bank deposits
- Apple BankConcentratedNew York, NY$20B300%+, growth test not met2.0% of bank deposits
- Israel Discount Bank of New YorkApproachingNew York, NY$14B—1.8% of bank deposits
- Kearny BankConcentratedKearny, NJ$7.7B300%+, growth test not met0.9% of bank deposits
- Valley National BankConcentratedPassaic, NJ$66B300%+, 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
None of the 9 banks under $100B in assets with a branch in Richmond County are above a regulatory CRE concentration threshold this quarter. Another 8 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 97%. 1 more sits within one quarter of a threshold.
Coverage is 35%: the rest of the deposits in Richmond 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.