The catalogue › United States › Mid-Atlantic › New York
The state note · prepared 7 September 2026

New York

121 banks and 269 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

121 banks filing · read from the 30 June 2026 Call Report
121
banks filing
$2.29T in assets
+4.8%
Loans, year over year
median; 28 above 10%, 28 shrinking
29.5%
CRE / loans
median
85.6%
Loans / deposits
median
0.61%
NPA / loans
median
10.9%
Equity / assets
median

New York's 121 banks hold $2.29T in assets at 30 June 2026. Goldman Sachs Bank USA is the largest at $759B, and the five largest hold 76% of the total; 64 institutions are above $1B, holding $2.27T.

Loans grew a median +4.8% in the year to 30 June 2026: 28 institutions grew faster than 10% and 28 shrank. The median bank lends 86% of its deposits and holds commercial real estate at 29.5% of loans. Nonperforming loans sit at a median 0.61% of the book, return on assets at 0.97%, and equity at 10.9% of assets.

39 of the 121 are in the catalogue, each read from its own filing beside the banks its size in the state: Goldman Sachs Bank USA, Bank of New York Mellon, Morgan Stanley Private Bank N.A., Manufacturers & Traders Trust Co., Flagstar Bank National Association, Standard Chartered Bank PLC, Banco Bilbao Vizcaya Sa, Bank of China, Deutsche Bank Trust Co. Americas, Apple Bank, Community Bank National Association, Bank of Baroda, NBT Bank National Association, Safra National Bank of New York, Dime Commercial Bank, Popular Bank, Israel Discount Bank of NY, Bank Hapoalim Bank M, Amalgamated Bank, Metropolitan Commercial Bank, Tompkins Community Bank, Ridgewood Savings Bank, Bank of India, Mashreqbank PSC, Trustco Bank, Five Star Bank, Industrial & Commercial Bank Chi, Habib American Bank, Chemung Canal Trust Co., Orange Bank & Trust Co., Interaudi Bank, Esquire Bank National Association, Allied Irish Banks, Pioneer Bank National Association, Hanover Community Bank, BTG Pactual Bank N.A., Watertown Savings Bank, Community FSB, Quontic Bank.

Who holds the state's assetseach institution's share of the $2.29T the state's 121 hold; the largest first, amber in the catalogue
Goldman Sachs Bank USA: 33.1%GS33%Bank of New York Mellon: 18.5%Bo19%Morgan Stanley Private Bank N.A.: 10.9%MS11%Manufacturers & Traders Trust Co.: 9.5%MT10%Flagstar Bank National Association: 3.8%FBStandard Chartered Bank PLC: 3.0%Banco Bilbao Vizcaya Sa: 2.5%Bank of China: 2.1%Deutsche Bank Trust Co. Americas: 1.8%State Bank of India: 1.0%111 others 14%GSGoldman Sachs Bank USA33.1%BoBank of New York Mell…18.5%MSMorgan Stanley Privat…10.9%MTManufacturers & Trade…9.5%FBFlagstar Bank Nationa…3.8%SCStandard Chartered Ba…3.0%BBBanco Bilbao Vizcaya …2.5%BoBank of China2.1%DBDeutsche Bank Trust C…1.8%SBState Bank of India1.0%

Goldman Sachs Bank USA holds 33.1% of the state's bank assets; the five largest hold 76%, and 64 of the 121 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestGoldman Sachs Bank USA: 33% of the totalThe five largest76% of the totalThe ten largest86% of the totalGINI0.90 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 76% of the assets in 4% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Other loans and leases39.8%$402BCommercial & industrial17.1%$173B1-4 family residential, closed-end16.6%$168BMultifamily7.3%$73.8BNonfarm nonresidential, non-owner-occupied6.8%$68.6BNonfarm nonresidential, owner-occupied3.0%$30.6BConstruction & land2.4%$24.6BConsumer, other2.2%$22.6BCredit card2.0%$20.5BAuto1.1%$11.4BHome equity lines1.1%$10.7BStates & municipalities0.5%$4.9BFarmland0.1%$745MAgricultural production0.0%$442M

Other loans and leases is the largest category at 39.8% of the state's $1.01T in loans, then Commercial & industrial at 17.1% and 1-4 family residential, closed-end at 16.6%.

Loans, year over yearNew York banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 116 · amber, in the catalogue
state median +4.8% AC Alpine Capital Bank +67.3% BP BTG Pactual Bank N.A. +67.0% BB Banco Bilbao Vizcaya Sa +64.1% AI Allied Irish Banks +43.9% BS Ballston Spa National Bank +42.1% SB Spring Bank +33.8% Bo Bank of New York Mellon +31.6% BT Bessemer Trust Co. N.A. +28.2% EB Esquire Bank National Association +27.6% GB Grasshopper Bank N A +25.0% SN Safra National Bank of New York +24.8% SC Standard Chartered Bank PLC +24.4% CF Community FSB +21.8% PB Pioneer Bank National Association +21.2% Bo Bank of Utica +20.3% MS Morgan Stanley Private Bank N.A. +19.9% GS Goldman Sachs Bank USA +19.6% PB Ponce Bank National Association +17.0% BH Bank Hapoalim Bank M +16.4% SB Shinhan Bank America +14.8% Bo Bank of Baroda +14.5% WS Walden Savings Bank +13.9% N Newbank +13.3% HA Habib American Bank +13.3% SS Seneca Savings Bank N.A. +12.9%

Alpine Capital Bank grew fastest at +67.3%; 28 grew faster than 10% and 28 shrank, Mizuho Bank USA the most at -83.6%. The median is +4.8%.

Commercial real estate, share of loansNew York banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 116 · amber, in the catalogue
state median 29.5% NC Northeast Community Bank 92.0% FF First Federal Savings of Middleto… 91.0% CF Community FSB 87.6% AC Alpine Capital Bank 84.3% BB Berkshire Bank 81.3% PB Piermont Bank 81.2% PB Ponce Bank National Association 80.5% EN Eastbank National Association 79.4% HA Habib American Bank 75.1% NB Northfield Bank 74.8% SB Spring Bank 74.4% AB Amerasia Bank 72.7% OB Orange Bank & Trust Co. 68.9% UO United Orient Bank 65.2% AC American Community Bank 61.7% MF Maspeth Federal Savings & Loan As… 55.9% DC Dime Commercial Bank 55.8% Bo Bank of Greene County 55.2% CC Chemung Canal Trust Co. 54.5% FB Flagstar Bank National Association 53.5% AB Alma Bank 52.5% CF Carver Federal Savings Bank 51.3% RS Ridgewood Savings Bank 49.9% AB Apple Bank 49.4% AT Adirondack Trust Co. 49.0%

Northeast Community Bank is the most CRE-weighted at 92.0% of loans; 41 of the 121 are above 40%, against a median of 29.5%.

Commercial real estate against capital, the 300% screenNew York banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 108 · amber, in the catalogue
state median 175% 300% screen HA Habib American Bank 526% NC Northeast Community Bank 501% CF Carver Federal Savings Bank 442% AB Apple Bank 436% UO United Orient Bank 425% PB Ponce Bank National Association 414% AB Alma Bank 406% PB Piermont Bank 402% NB Northfield Bank 381% CC Chemung Canal Trust Co. 375% AC American Community Bank 367% CF Community FSB 361% SB Spring Bank 361% DC Dime Commercial Bank 355% AB Amerasia Bank 354% OB Orange Bank & Trust Co. 353% HC Hanover Community Bank 346% AC Alpine Capital Bank 343% FB Flagstar Bank National Association 328% UN Upstate National Bank 326% TC Tompkins Community Bank 323% ES Empire State Bank 313% PB Popular Bank 311% MC Metropolitan Commercial Bank 304% GB Global Bank 299%

24 of the 108 banks sit above the 300% screen, Habib American Bank the highest at 526% of capital; the median is 175%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenNew York banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 108 · amber, in the catalogue
state median 8% 100% screen NC Northeast Community Bank 398% PB Ponce Bank National Association 144% FS Five Star Bank 90% PB Pioneer Bank National Association 86% PB Popular Bank 74% WS Walden Savings Bank 58% TC Tompkins Community Bank 58% AC Alpine Capital Bank 56% US Ulster Savings Bank 47% Bo Bank of Holland 46% MC Metropolitan Commercial Bank 45% FF First Federal Savings of Middleto… 45% GR Genesee Regional Bank 42% CC Chemung Canal Trust Co. 41% AB Adirondack Bank 40% MC Maple City Savings Bank FSB 39% SB Spring Bank 39% ID Israel Discount Bank of NY 37% Bo Bank of Greene County 36% CN Canandaigua National Bank & Trust… 34% LN Lyons National Bank 33% SS Seneca Savings Bank N.A. 32% AT Adirondack Trust Co. 31% OB Orange Bank & Trust Co. 30% NB NBT Bank National Association 29%

2 of the 108 banks sit above the 100% construction screen, Northeast Community Bank the highest at 398%; the median is 8%.

Loans to depositsNew York banks, 30 June 2026 · listed highest first · the 25 highest of 119 · amber, in the catalogue
state median 86% IB Industrial Bank of Korea 4116% Bo Bank of East Asia LTD 2009% BB Banco Bilbao Vizcaya Sa 201% MF Maspeth Federal Savings & Loan As… 140% FF First Federal Savings of Middleto… 134% PB Ponce Bank National Association 127% NC Northeast Community Bank 124% UO United Orient Bank 123% IC Industrial & Commercial Bank Chi 123% MS Massena Savings & Loan 123% GB Global Bank 117% GF Geddes Federal Savings & Loan Ass… 113% UN Upstate National Bank 111% SB State Bank of India 107% NC North Country Savings Bank 106% BH Bank Hapoalim Bank M 105% Bo Bank of Baroda 105% ES Empire State Bank 104% AB Alma Bank 102% MB Modern Bank National Association 101% FC First Central Savings Bank 101% AC American Community Bank 100% CC Chemung Canal Trust Co. 100% HC Hanover Community Bank 99% PB Popular Bank 99%

22 of the 121 lend more than they hold in deposits, Industrial Bank of Korea the furthest at 4116%; the median is 86%.

Nonperforming loans, share of loansNew York banks, 30 June 2026 · listed highest first · the 25 highest of 116 · amber, in the catalogue
state median 0.61% BB Berkshire Bank 12.68% MB Modern Bank National Association 5.60% FB Flagstar Bank National Association 4.97% PB Pathfinder Bank 4.69% GB Global Bank 4.49% IC Industrial & Commercial Bank Chi 4.20% QB Quontic Bank 3.53% CF Carver Federal Savings Bank 3.46% N Newbank 2.65% AS Alden State Bank 2.63% SS Sawyer Savings Bank 2.57% Bo Bank of East Asia LTD 2.52% CL Cayuga Lake National Bank 2.46% IB Interaudi Bank 2.36% CC Cross County Savings Bank 2.21% AB Amalgamated Bank 1.99% WS Watertown Savings Bank 1.95% BH Bank Hapoalim Bank M 1.92% WA Woori America Bank 1.92% RS Ridgewood Savings Bank 1.85% Bo Bank of Millbrook 1.76% CC Cattaraugus County Bank 1.73% Bo Bank of China 1.63% FN First National Bank of Groton 1.62% AB Amerasia Bank 1.59%

Berkshire Bank carries the most nonperforming loans at 12.68% of the book; 40 of the 121 are above 1%, and the median is 0.61%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%NPA / loansAllowance / loansENEastbank National Association+2.55%ATAdirondack Trust Co.+1.51%BoBank of Richmondville+1.40%ACAlpine Capital Bank+1.24%ACAmerican Community Bank+1.21%SBSavannah Bank National Association+1.11%WVWallkill Valley Federal Savings &…+1.10%SFSunnyside Federal Savings & Loan …+1.07%FFFirst Federal Savings of Middleto…+1.04%EBEsquire Bank National Association+1.03%LNLyons National Bank+1.03%BoBank of Greene County+1.02%PBPioneer Bank National Association+1.00%ABAlma Bank+1.00%UNUpstate National Bank+0.98%JBJeff Bank+0.96%BSBallston Spa National Bank+0.96%PCPutnam County National Bank of Ca…+0.94%SBSolvay Bank+0.94%PBPiermont Bank+0.87%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 40 of the 121 hold an allowance smaller than their nonperforming loans.

Return on assetsNew York banks, 30 June 2026 · listed highest first · the 25 highest of 108 · amber, in the catalogue
state median 0.97% SS State Street Bank & Trust Co. N.A. 11.76% Bo Bank of Utica 4.72% BT Bessemer Trust Co. N.A. 3.22% EB Esquire Bank National Association 2.29% WM WSB Municipal Bank 2.26% Bo Bank of Millbrook 2.19% NC Northeast Community Bank 2.06% GL GS & L Municipal Bank 1.96% JB Jeff Bank 1.91% WS Watertown Savings Bank 1.90% OB Orange Bank & Trust Co. 1.87% FF First Federal Savings of Middleto… 1.85% FS Fulton Savings Bank 1.80% AB Amerasia Bank 1.75% SB Spring Bank 1.63% GR Genesee Regional Bank 1.58% Bo Bank of New York Mellon 1.56% FN First National Bank of Dryden 1.48% Bo Bank of Greene County 1.46% FS Five Star Bank 1.42% MT Manufacturers & Traders Trust Co. 1.40% TC Tompkins Community Bank 1.39% CC Chemung Canal Trust Co. 1.37% GC Greene Cnty Commercial Bank 1.35% Bo Bank of Holland 1.33%

State Street Bank & Trust Co. N.A. earns the most at 11.76% and Adirondack Bank the least at -2.12%; 23 of the 121 earn under 0.50%, and the median is 0.97%.

The efficiency ratio, with the return beside itNew York banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 108 · amber, in the catalogue
state median 66.9% WM WSB Municipal Bank 2.2% ROA 2.26% GC Greene Cnty Commercial Bank 10.9% ROA 1.35% GL GS & L Municipal Bank 14.9% ROA 1.96% MS Morgan Stanley Private Bank N.A. 25.0% ROA 1.13% Bo Bank of Utica 35.0% ROA 4.72% AB Amerasia Bank 36.4% ROA 1.75% GS Goldman Sachs Bank USA 38.5% ROA 1.12% NC Northeast Community Bank 39.8% ROA 2.06% SB Spring Bank 41.2% ROA 1.63% EB Esquire Bank National Association 45.3% ROA 2.29% FF First Federal Savings of Middleto… 45.7% ROA 1.85% Bo Bank of Greene County 46.8% ROA 1.46% AB Amalgamated Bank 47.7% ROA 1.31% WS Watertown Savings Bank 49.1% ROA 1.90% DC Dime Commercial Bank 49.7% ROA 1.00% Bo Bank of Millbrook 49.8% ROA 2.19% JB Jeff Bank 50.3% ROA 1.91% FN First National Bank of Dryden 50.7% ROA 1.48% FS Five Star Bank 52.1% ROA 1.42% MC Metropolitan Commercial Bank 52.2% ROA 1.18% NB Northfield Bank 52.3% ROA 0.96% GR Genesee Regional Bank 52.7% ROA 1.58% TC Tompkins Community Bank 53.1% ROA 1.39% IB Interaudi Bank 53.8% ROA 1.21% WA Woori America Bank 53.9% ROA 0.69%

WSB Municipal Bank runs the leanest at 2.2% of revenue in cost; 26 of the 121 spend more than 80 cents of every revenue dollar, and the median is 66.9%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Goldman Sachs Bank USA$759B+19.6%5.4%50%1.04%1.12%7.9%
Bank of New York Mellon$425B+31.6%10.3%13%0.04%1.56%6.9%
Morgan Stanley Private Bank N.A.$250B+19.9%3.7%88%0.20%1.13%6.8%
Manufacturers & Traders Trust Co.$219B+5.2%16.8%83%1.35%1.40%12.9%
Flagstar Bank National Association$87.7B-5.0%53.5%91%4.97%0.13%9.3%
Standard Chartered Bank PLC$69.2B+24.4%2.0%53%0.60%no recordno record
Banco Bilbao Vizcaya Sa$58.4B+64.1%6.6%201%0.51%no recordno record
Bank of China$48.5B+9.9%10.8%71%1.63%no recordno record
Deutsche Bank Trust Co. Americas$40.5B-3.7%25.5%55%0.92%0.98%24.5%
State Bank of India$22.5B-1.4%0.0%107%0.00%no recordno record
Apple Bank$19.9B+6.6%49.4%86%0.44%0.39%8.1%
Community Bank National Association$17.4B+7.3%25.2%76%0.50%1.17%9.6%
Bank of Baroda$16.2B+14.5%0.0%105%0.00%no recordno record
NBT Bank National Association$16.1B+2.1%31.1%87%0.55%1.21%11.6%
Safra National Bank of New York$15.7B+24.8%30.4%26%0.00%0.97%8.6%
Five years, 2021 to 2026the 120 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$574B$1.01T+76%
Deposits, in total$1.19T$1.72T+45%
NPA / loans, median0.48%0.61%+0.13 pts
Efficiency, median68.3%67.1%-1.2 pts
ROA, median0.82%0.96%+0.14 pts

Small-business lending

SBA 7(a) approvals into New York since FY2008, across every lender type

$19.3B of 7(a) credit has been approved into New York since FY2008 across 66,911 loans. Retail trade is the largest category at 17.9%, Accommodation & food services at 17.4%, Health care & social assistance at 8.5%; the three together are 44% of the money. The heaviest losses fall in Transportation & warehousing, at 3.06% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 402 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
Ma Manufacturers and Traders Trust C… 6.5% $1.3B · 10,321 loans N Newbank 6.4% $1.2B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.1B · 8,716 loans TB TD Bank, National Association 5.5% $1.1B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans TB The Bank of Princeton 2.4% $463M · 466 loans New York Business Development Cor… 2.4% $461M · 874 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Retail trade18.8%$3.5B · 10,476 loansAccommodation & food services18.3%$3.4B · 8,279 loansHealth care & social assistance9.0%$1.7B · 5,084 loansWholesale trade8.5%$1.6B · 4,718 loansOther services8.4%$1.6B · 6,085 loansProfessional & technical services8.3%$1.5B · 7,282 loansManufacturing8.2%$1.5B · 4,442 loansConstruction8.1%$1.5B · 7,862 loansArts, entertainment & recreation3.7%$686M · 2,063 loansAdministrative & waste services3.4%$625M · 3,016 loansReal estate & leasing2.8%$515M · 1,442 loansTransportation & warehousing2.4%$433M · 2,427 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Retail trade$3.5B10,47617.9%$97M2.80%
Accommodation & food services$3.4B8,27917.4%$83M2.46%
Health care & social assistance$1.7B5,0848.5%$20M1.18%
Wholesale trade$1.6B4,7188.1%$46M2.92%
Other services$1.6B6,0858.0%$29M1.86%
Professional & technical services$1.5B7,2827.9%$36M2.34%
Manufacturing$1.5B4,4427.8%$38M2.50%
Construction$1.5B7,8627.7%$44M2.96%
Arts, entertainment & recreation$686M2,0633.5%$17M2.41%
Administrative & waste services$625M3,0163.2%$13M2.12%
Real estate & leasing$515M1,4422.7%$7M1.32%
Transportation & warehousing$433M2,4272.2%$13M3.06%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
New York$2.8B8,257208
Kings$2.5B7,896169
Queens$1.9B5,656155
Suffolk$1.8B5,080174
Nassau$1.7B4,767171
Westchester$959M3,022152
Erie$860M4,23694
Monroe$811M4,30689
Rockland$671M2,118112
Bronx$653M1,695108

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any New York institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in New York

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue