New York · Q2 2026
Suffolk County, New York
0.0% of Suffolk 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 72%.
Rated on 26% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.
Hover or tap a county for its grade.
Banks behind this number
12 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Dime Commercial Bank | Hauppauge, NY | $15B | Concentrated | 300%+, growth test not met | 44.5% |
| Hanover Community Bank | Garden City Park, NY | $2.3B | Concentrated | 300%+, growth test not met | 17.8% |
| ConnectOne Bank | Englewood Cliffs, NJ | $14B | Concentrated | 300%+, growth test not met | 17.6% |
| American Community Bank | Glen Cove, NY | $0.3B | Concentrated | 300%+, growth test not met | 17.3% |
| BankUnited, National Association | Miami Lakes, FL | $35B | Below | — | 13.7% |
| Apple Bank | New York, NY | $20B | Concentrated | 300%+, growth test not met | 12.0% |
| First Central Savings Bank | Glen Cove, NY | $1.0B | Below | — | 7.4% |
| Webster Bank, National Association | Stamford, CT | $86B | Below | — | 5.0% |
| Flagstar Bank, National Association | Hicksville, NY | $88B | Concentrated | 300%+, growth test not met | 5.0% |
| Ridgewood Savings Bank | Ridgewood, NY | $7.5B | Below | — | 3.6% |
| Valley National Bank | Passaic, NJ | $66B | Concentrated | 300%+, growth test not met | 1.0% |
| City National Bank | Los Angeles, CA | $99B | Below | — | 0.2% |
- Dime Commercial BankConcentratedHauppauge, NY$15B300%+, growth test not met44.5% of bank deposits
- Hanover Community BankConcentratedGarden City Park, NY$2.3B300%+, growth test not met17.8% of bank deposits
- ConnectOne BankConcentratedEnglewood Cliffs, NJ$14B300%+, growth test not met17.6% of bank deposits
- American Community BankConcentratedGlen Cove, NY$0.3B300%+, growth test not met17.3% of bank deposits
- Miami Lakes, FL$35B—13.7% of bank deposits
- Apple BankConcentratedNew York, NY$20B300%+, growth test not met12.0% of bank deposits
- Glen Cove, NY$1.0B—7.4% of bank deposits
- Stamford, CT$86B—5.0% of bank deposits
- Flagstar Bank, National AssociationConcentratedHicksville, NY$88B300%+, growth test not met5.0% of bank deposits
- Ridgewood, NY$7.5B—3.6% of bank deposits
- Valley National BankConcentratedPassaic, NJ$66B300%+, growth test not met1.0% of bank deposits
- City National BankBelowLos Angeles, CA$99B—0.2% 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 12 banks under $100B in assets with a branch in Suffolk County are above a regulatory CRE concentration threshold this quarter. Another 7 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 72%.
Coverage is 26%: the rest of the deposits in Suffolk 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.