St. Lawrence County, New York

• The Citizens National Bank of HammondBelow
  Hammond, NY$0.0B—100.0% of bank deposits
  Fewer than 12 quarters of history; criterion 2 not evaluated
• Massena Savings and LoanBelow
  Massena, NY$0.2B—100.0% of bank deposits
• The North Country Savings BankBelow
  Canton, NY$0.4B—96.7% of bank deposits
• Gouverneur Savings and Loan AssociationBelow
  Gouverneur, NY$0.2B—40.8% of bank deposits
• The Upstate National BankConcentrated
  Ogdensburg, NY$0.3B300%+, growth test not met7.0% of bank deposits
• Community Bank, National AssociationBelow
  Canton, NY$17B—4.7% of bank deposits
• NBT Bank, National AssociationBelow
  Norwich, NY$16B—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

None of the 7 banks under $100B in assets with a branch in St. Lawrence County are above a regulatory CRE concentration threshold this quarter. Another 1 carries commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 0.9%.

Coverage is 87%: the rest of the deposits in St. Lawrence 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.