Wayne County, Pennsylvania

• The Dime BankBelow
  Honesdale, PA$1.2B—71.6% of bank deposits
• The Honesdale National BankBelow
  Honesdale, PA$1.2B—35.1% of bank deposits
• Wayne BankBelow
  Honesdale, PA$2.9B—14.8% of bank deposits
• Citizens Savings BankBelow
  Clarks Summit, PA$0.4B—7.7% of bank deposits
• Peoples Security Bank and Trust CompanyBelow
  Dunmore, PA$5.4B—1.8% of bank deposits
• NBT Bank, National AssociationBelow
  Norwich, NY$16B—1.6% 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 6 banks under $100B in assets with a branch in Wayne County are above a regulatory CRE concentration threshold this quarter.

Coverage is 95%: the rest of the deposits in Wayne 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.