New York · Q2 2026

Rockland County, New York

n/aCredit pressureNot rated — 14% coverage

Banks under $100B in assets hold 14% of deposits in Rockland County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.

17% of Rockland 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 52%.

Rank

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Exposed deposits vs Q1 2026

— no change

Coverage

Coverage 14% — not rated

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

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Banks behind this number

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

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
NorthEast Community Bank	White Plains, NY	$2.1B	Above threshold	C1	28.2%
Orange Bank & Trust Company	Middletown, NY	$2.8B	Concentrated	300%+, growth test not met	10.1%
ConnectOne Bank	Englewood Cliffs, NJ	$14B	Concentrated	300%+, growth test not met	2.5%
Webster Bank, National Association	Stamford, CT	$86B	Below	—	2.0%
Apple Bank	New York, NY	$20B	Concentrated	300%+, growth test not met	2.0%
TrustCo Bank	Glenville, NY	$6.5B	Below	—	1.8%

NorthEast Community BankAbove threshold
White Plains, NY$2.1BC128.2% of bank deposits
Orange Bank & Trust CompanyConcentrated
Middletown, NY$2.8B300%+, growth test not met10.1% of bank deposits
ConnectOne BankConcentrated
Englewood Cliffs, NJ$14B300%+, growth test not met2.5% of bank deposits
Webster Bank, National AssociationBelow
Stamford, CT$86B—2.0% of bank deposits
Apple BankConcentrated
New York, NY$20B300%+, growth test not met2.0% of bank deposits
TrustCo BankBelow
Glenville, NY$6.5B—1.8% 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

1 of the 6 banks under $100B in assets with a branch in Rockland County is above a regulatory CRE concentration threshold, and it holds 17% of the county deposits this report covers. Another 4 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 52%. 1 more sits within one quarter of a threshold.

Coverage is 14%: the rest of the deposits in Rockland 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.