Q2 2026
Where commercial real estate credit exposure sits in the Northeast, county by county.
Every bank under $100B in assets reports its construction and commercial real estate books to its regulator each quarter. Overhang reads all of them, allocates each bank to the counties where it takes deposits, and publishes what that adds up to. Q2 2026 figures are below: 218 counties, 180 of them rated.
The first written edition publishes in October. The data behind it is on this page now, and the methodology and backtest are already published in full.
Credit pressure across the Northeast
E is the highest pressure, A the lowestCredit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage
Hover or tap a county for its grade.
Colour is the grade, not a warning. A high grade means deposits in that county are concentrated in banks carrying heavy commercial real estate books — which is information about exposure, not a claim about losses.
Regional ranking
Highest credit pressure first| Rank | County | Grade | Exposed deposits | Since Q1 2026 | Coverage | Banks |
|---|---|---|---|---|---|---|
| #1 | Franklin County, PA | E | 56% | ▲ 7 places | Coverage 54% | 1 above threshold · 2 approaching |
| #2 | Mifflin County, PA | E | 48% | ▼ 1 place | Coverage 100% | 1 above threshold · 1 approaching |
| #3 | Sussex County, NJ | E | 81% | ▼ 1 place | Coverage 57% | 1 above threshold · 1 concentrated |
| #4 | Atlantic County, NJ | E | 63% | ▲ 66 places | Rated on 38% of deposits | 1 above threshold |
| #5 | Cumberland County, NJ | E | 55% | ▲ 67 places | Coverage 44% | 1 above threshold |
| #6 | Orange County, NY | E | 10% | ▼ 2 places | Rated on 37% of deposits | 2 above threshold · 1 approaching · 3 concentrated |
| #7 | Morris County, NJ | E | 29% | ▲ 9 places | Rated on 34% of deposits | 1 above threshold · 9 concentrated |
| #8 | Hunterdon County, NJ | E | 12% | ▲ 23 places | Rated on 31% of deposits | 1 above threshold · 5 concentrated |
| #9 | Cumberland County, ME | E | 49% | ▲ 3 places | Coverage 57% | 2 above threshold · 1 concentrated |
| #10 | Chester County, PA | E | 18% | ▼ 1 place | Rated on 32% of deposits | 2 above threshold · 3 concentrated |
| #11 | Androscoggin County, ME | E | 28% | ▼ 5 places | Coverage 77% | 2 above threshold |
| #12 | Passaic County, NJ | E | 8.0% | ▼ 9 places | Coverage 70% | 1 above threshold · 6 concentrated |
| #13 | Essex County, NJ | E | 11% | ▼ 6 places | Rated on 37% of deposits | 1 above threshold · 2 approaching · 12 concentrated |
| #14 | Ocean County, NJ | E | 60% | — no change | Rated on 25.2% of deposits | 2 above threshold · 2 approaching · 6 concentrated |
| #15 | Huntingdon County, PA | E | 32% | ▲ 2 places | Coverage 100% | 2 above threshold · 1 concentrated |
- 56% exposed▲ 7 placesCoverage 54%1 above threshold · 2 approaching
- 48% exposed▼ 1 placeCoverage 100%1 above threshold · 1 approaching
- 81% exposed▼ 1 placeCoverage 57%1 above threshold · 1 concentrated
- 63% exposed▲ 66 placesRated on 38% of deposits1 above threshold
- 55% exposed▲ 67 placesCoverage 44%1 above threshold
- 10% exposed▼ 2 placesRated on 37% of deposits2 above threshold · 1 approaching · 3 concentrated
- 29% exposed▲ 9 placesRated on 34% of deposits1 above threshold · 9 concentrated
- 12% exposed▲ 23 placesRated on 31% of deposits1 above threshold · 5 concentrated
- 49% exposed▲ 3 placesCoverage 57%2 above threshold · 1 concentrated
- 18% exposed▼ 1 placeRated on 32% of deposits2 above threshold · 3 concentrated
- 28% exposed▼ 5 placesCoverage 77%2 above threshold
- 8.0% exposed▼ 9 placesCoverage 70%1 above threshold · 6 concentrated
- 11% exposed▼ 6 placesRated on 37% of deposits1 above threshold · 2 approaching · 12 concentrated
- 60% exposed— no changeRated on 25.2% of deposits2 above threshold · 2 approaching · 6 concentrated
- 32% exposed▲ 2 placesCoverage 100%2 above threshold · 1 concentrated
Ranking positions 16 to 218, the quarterly series since 2015 and bank-level ratios are part of Desk. See plans
Biggest moves
Measured in points of exposed deposit share versus Q1 2026, not in ranking places.
More exposed
- Atlantic County, NJ▲ 62.9 pts63% exposed now1 above threshold of 6 banks under $100B in assets
- Cumberland County, NJ▲ 54.5 pts55% exposed now1 above threshold of 6 banks under $100B in assets
- Ocean County, NJ▲ 29.2 pts60% exposed now2 above threshold of 11 banks under $100B in assets
- Cape May County, NJ▲ 26.2 pts26% exposed now1 above threshold of 6 banks under $100B in assets
- Western Connecticut Planning Region, CT▲ 13.0 pts13% exposed now1 above threshold of 14 banks under $100B in assets
Less exposed
- Belknap County, NH▼ 15.9 pts0.0% exposed now0 above threshold of 5 banks under $100B in assets
- Merrimack County, NH▼ 14.5 pts0.0% exposed now0 above threshold of 12 banks under $100B in assets
- Schuylkill County, PA▼ 13.3 pts0.0% exposed now0 above threshold of 7 banks under $100B in assets
- Northumberland County, PA▼ 8.0 pts0.0% exposed now0 above threshold of 9 banks under $100B in assets
- Cumberland County, PA▼ 6.3 pts10% exposed now1 above threshold of 12 banks under $100B in assets
Banks to watch
Within one quarter of a threshold in Q2 2026. Ratios are part of Desk.
- Eastern BankApproachingBoston, MA$31B11 Northeast counties
- WesBanco Bank, Inc.ApproachingWheeling, WV$28B5 Northeast counties
- Israel Discount Bank of New YorkApproachingNew York, NY$14B4 Northeast counties
- Salem Five Cents Savings BankApproachingSalem, MA$8.8B4 Northeast counties
- CNB BankApproachingClearfield, PA$8.4B13 Northeast counties
- Orrstown BankApproachingHarrisburg, PA$5.6B6 Northeast counties
- Manasquan BankConcentratedManasquan, NJ$3.6B3 Northeast counties
- PCB BankConcentratedLos Angeles, CA$3.5B2 Northeast counties
All 218 counties
The table the map is drawn from. Grade, exposed deposit share and coverage for every county in Q2 2026.
Connecticut (9)
| County | Pressure | Exposed deposits | Broad share | Coverage |
|---|---|---|---|---|
| Capitol Planning Region | n/a | 0.0% | 3.7% | Not rated — 18% coverage |
| Greater Bridgeport Planning Region | n/a | 7.9% | 29% | Not rated — 12% coverage |
| Lower Connecticut River Valley Planning Region | B | 0.0% | 0.0% | Coverage 56% |
| Naugatuck Valley Planning Region | C | 0.0% | 1.0% | Coverage 55% |
| Northeastern Connecticut Planning Region | D | 0.0% | 0.0% | Coverage 64% |
| Northwest Hills Planning Region | B | 0.0% | 14% | Coverage 89% |
| South Central Connecticut Planning Region | n/a | 0.0% | 6.3% | Not rated — 24% coverage |
| Southeastern Connecticut Planning Region | A | 0.0% | 3.0% | Coverage 51% |
| Western Connecticut Planning Region | E | 13% | 47% | Rated on 36% of deposits |
Massachusetts (14)
| County | Pressure | Exposed deposits | Broad share | Coverage |
|---|---|---|---|---|
| Barnstable County | A | 0.0% | 0.0% | Coverage 65% |
| Berkshire County | D | 20% | 20% | Coverage 51% |
| Bristol County | E | 6.0% | 27% | Coverage 62% |
| Dukes County | A | 0.0% | 0.0% | Coverage 92% |
| Essex County | D | 6.0% | 7.2% | Coverage 57% |
| Franklin County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Hampden County | C | 0.0% | 30% | Coverage 45% |
| Hampshire County | C | 0.0% | 2.9% | Coverage 72% |
| Middlesex County | E | 17% | 33% | Coverage 47% |
| Nantucket County | C | 0.0% | 16% | Coverage 80% |
| Norfolk County | E | 28% | 29% | Coverage 41% |
| Plymouth County | E | 2.2% | 19% | Coverage 60% |
| Suffolk County | n/a | 17% | 19% | Not rated — 2.4% coverage |
| Worcester County | E | 1.1% | 22% | Coverage 48% |
Maine (16)
| County | Pressure | Exposed deposits | Broad share | Coverage |
|---|---|---|---|---|
| Androscoggin County | E | 28% | 28% | Coverage 77% |
| Aroostook County | B | 0.0% | 0.0% | Coverage 70% |
| Cumberland County | E | 49% | 49% | Coverage 57% |
| Franklin County | A | 0.0% | 0.0% | Coverage 92% |
| Hancock County | D | 0.0% | 26% | Coverage 94% |
| Kennebec County | D | 7.1% | 9.4% | Coverage 62% |
| Knox County | D | 0.0% | 2.5% | Coverage 84% |
| Lincoln County | C | 0.0% | 0.0% | Coverage 100% |
| Oxford County | E | 35% | 35% | Coverage 83% |
| Penobscot County | D | 0.0% | 8.8% | Coverage 79% |
| Piscataquis County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Sagadahoc County | B | 0.0% | 0.0% | Coverage 100% |
| Somerset County | B | 0.0% | 3.7% | Coverage 100% |
| Waldo County | D | 0.0% | 0.0% | Coverage 91% |
| Washington County | C | 0.0% | 12% | Coverage 100% |
| York County | E | 12% | 46% | Coverage 70% |
New Hampshire (10)
| County | Pressure | Exposed deposits | Broad share | Coverage |
|---|---|---|---|---|
| Belknap County | D | 0.0% | 47% | Coverage 60% |
| Carroll County | D | 0.0% | 27% | Coverage 57% |
| Cheshire County | A | 0.0% | 0.0% | Coverage 53% |
| Coos County | C | 0.0% | 16% | Coverage 84% |
| Grafton County | D | 0.0% | 26% | Coverage 67% |
| Hillsborough County | n/a | 5.3% | 34% | Not rated — 14% coverage |
| Merrimack County | C | 0.0% | 37% | Coverage 44% |
| Rockingham County | E | 35% | 42% | Rated on 29% of deposits |
| Strafford County | B | 0.0% | 22% | Rated on 38% of deposits |
| Sullivan County | B | 0.0% | 30% | Coverage 93% |
New Jersey (21)
| County | Pressure | Exposed deposits | Broad share | Coverage |
|---|---|---|---|---|
| Atlantic County | E | 63% | 63% | Rated on 38% of deposits |
| Bergen County | E | 8.7% | 59% | Coverage 43% |
| Burlington County | E | 7.0% | 36% | Rated on 27% of deposits |
| Camden County | n/a | 0.0% | 19% | Not rated — 20% coverage |
| Cape May County | E | 26% | 26% | Coverage 59% |
| Cumberland County | E | 55% | 55% | Coverage 44% |
| Essex County | E | 11% | 92% | Rated on 37% of deposits |
| Gloucester County | D | 5.1% | 18% | Coverage 47% |
| Hudson County | n/a | 25% | 93% | Not rated — 11% coverage |
| Hunterdon County | E | 12% | 63% | Rated on 31% of deposits |
| Mercer County | n/a | 12% | 59% | Not rated — 18% coverage |
| Middlesex County | n/a | 37% | 81% | Not rated — 23% coverage |
| Monmouth County | E | 34% | 97% | Rated on 29% of deposits |
| Morris County | E | 29% | 90% | Rated on 34% of deposits |
| Ocean County | E | 60% | 92% | Rated on 25.2% of deposits |
| Passaic County | E | 8.0% | 99.5% | Coverage 70% |
| Salem County | B | 0.0% | 0.0% | Coverage 92% |
| Somerset County | E | 15% | 73% | Rated on 28% of deposits |
| Sussex County | E | 81% | 93% | Coverage 57% |
| Union County | E | 7.1% | 77% | Rated on 31% of deposits |
| Warren County | E | 9.6% | 30% | Rated on 38% of deposits |
New York (62)
| County | Pressure | Exposed deposits | Broad share | Coverage |
|---|---|---|---|---|
| Albany County | n/a | 0.0% | 10% | Not rated — 20% coverage |
| Allegany County | C | 0.0% | 0.0% | Coverage 100% |
| Bronx County | n/a | 28% | 83% | Not rated — 23% coverage |
| Broome County | D | 0.0% | 12% | Rated on 31% of deposits |
| Cattaraugus County | B | 0.0% | 0.0% | Coverage 91% |
| Cayuga County | B | 0.0% | 26% | Coverage 68% |
| Chautauqua County | A | 0.0% | 0.0% | Coverage 67% |
| Chemung County | D | 0.0% | 52% | Coverage 97% |
| Chenango County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Clinton County | B | 0.0% | 0.0% | Coverage 62% |
| Columbia County | C | 0.0% | 0.0% | Coverage 52% |
| Cortland County | B | 0.0% | 20% | Coverage 69% |
| Delaware County | B | 0.0% | 0.0% | Coverage 100% |
| Dutchess County | C | 0.0% | 15% | Rated on 25.9% of deposits |
| Erie County | n/a | 0.0% | 2.3% | Not rated — 21% coverage |
| Essex County | C | 0.0% | 0.0% | Coverage 100% |
| Franklin County | B | 0.0% | 0.0% | Coverage 87% |
| Fulton County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Genesee County | D | 0.0% | 61% | Coverage 55% |
| Greene County | C | 0.0% | 0.0% | Rated on 30% of deposits |
| Hamilton County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Herkimer County | A | 0.0% | 0.0% | Coverage 51% |
| Jefferson County | A | 0.0% | 1.3% | Coverage 79% |
| Kings County | n/a | 1.3% | 73% | Not rated — 17% coverage |
| Lewis County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Livingston County | D | 0.0% | 30% | Coverage 89% |
| Madison County | C | 0.0% | 0.0% | Coverage 80% |
| Monroe County | B | 0.0% | 11% | Rated on 25.6% of deposits |
| Montgomery County | C | 0.0% | 0.0% | Coverage 59% |
| Nassau County | D | 1.2% | 41% | Rated on 36% of deposits |
| New York County | n/a | 2.1% | 26% | Not rated — 6.7% coverage |
| Niagara County | n/a | 0.0% | 0.0% | Not rated — 24% coverage |
| Oneida County | B | 0.0% | 0.0% | Rated on 34% of deposits |
| Onondaga County | B | 0.0% | 2.1% | Rated on 29% of deposits |
| Ontario County | B | 0.0% | 0.0% | Coverage 84% |
| Orange County | E | 10% | 42% | Rated on 37% of deposits |
| Orleans County | n/a | 0.0% | 46% | Fewer than 3 banks under $100B in assets |
| Oswego County | C | 0.0% | 0.0% | Coverage 87% |
| Otsego County | C | 0.0% | 0.0% | Coverage 89% |
| Putnam County | C | 0.0% | 83% | Rated on 29% of deposits |
| Queens County | E | 6.1% | 47% | Rated on 29% of deposits |
| Rensselaer County | A | 0.0% | 0.0% | Coverage 40% |
| Richmond County | D | 0.0% | 97% | Rated on 35% of deposits |
| Rockland County | n/a | 17% | 52% | Not rated — 14% coverage |
| Saratoga County | B | 0.0% | 3.1% | Coverage 58% |
| Schenectady County | A | 0.0% | 1.6% | Coverage 62% |
| Schoharie County | A | 0.0% | 0.0% | Coverage 86% |
| Schuyler County | n/a | 0.0% | 74% | Fewer than 3 banks under $100B in assets |
| Seneca County | B | 0.0% | 3.4% | Coverage 79% |
| St. Lawrence County | A | 0.0% | 0.9% | Coverage 87% |
| Steuben County | D | 0.0% | 13% | Coverage 95% |
| Suffolk County | C | 0.0% | 72% | Rated on 26% of deposits |
| Sullivan County | D | 6.9% | 6.9% | Coverage 60% |
| Tioga County | C | 0.0% | 31% | Coverage 89% |
| Tompkins County | C | 0.0% | 72% | Coverage 74% |
| Ulster County | B | 0.0% | 0.0% | Coverage 47% |
| Warren County | A | 0.0% | 0.0% | Coverage 59% |
| Washington County | A | 0.0% | 0.0% | Coverage 71% |
| Wayne County | B | 0.0% | 0.0% | Coverage 86% |
| Westchester County | n/a | 0.7% | 25% | Not rated — 7.5% coverage |
| Wyoming County | D | 0.0% | 49% | Coverage 78% |
| Yates County | C | 0.0% | 0.0% | Coverage 100% |
Pennsylvania (67)
| County | Pressure | Exposed deposits | Broad share | Coverage |
|---|---|---|---|---|
| Adams County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Allegheny County | n/a | 1.0% | 7.7% | Not rated — 24.9% coverage |
| Armstrong County | B | 0.0% | 46% | Coverage 85% |
| Beaver County | B | 0.0% | 2.0% | Coverage 49% |
| Bedford County | C | 0.0% | 0.0% | Coverage 79% |
| Berks County | A | 0.0% | 13% | Coverage 51% |
| Blair County | D | 2.8% | 10% | Coverage 62% |
| Bradford County | D | 0.0% | 5.0% | Coverage 89% |
| Bucks County | E | 15% | 21% | Rated on 38% of deposits |
| Butler County | C | 0.0% | 38% | Coverage 54% |
| Cambria County | A | 0.0% | 21% | Coverage 100% |
| Cameron County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Carbon County | C | 0.0% | 0.0% | Coverage 84% |
| Centre County | E | 21% | 32% | Coverage 54% |
| Chester County | E | 18% | 43% | Rated on 32% of deposits |
| Clarion County | A | 0.0% | 22% | Coverage 90% |
| Clearfield County | D | 0.0% | 38% | Coverage 90% |
| Clinton County | A | 0.0% | 0.0% | Coverage 62% |
| Columbia County | A | 0.0% | 0.0% | Coverage 78% |
| Crawford County | B | 0.0% | 0.0% | Coverage 75% |
| Cumberland County | E | 10% | 29% | Rated on 37% of deposits |
| Dauphin County | D | 1.0% | 31% | Coverage 55% |
| Delaware County | E | 29% | 37% | Rated on 26% of deposits |
| Elk County | A | 0.0% | 0.0% | Coverage 100% |
| Erie County | A | 0.0% | 0.0% | Coverage 59% |
| Fayette County | A | 0.0% | 7.2% | Coverage 67% |
| Forest County | no branches | — | — | |
| Franklin County | E | 56% | 56% | Coverage 54% |
| Fulton County | n/a | 48% | 48% | Fewer than 3 banks under $100B in assets |
| Greene County | A | 0.0% | 0.0% | Coverage 90% |
| Huntingdon County | E | 32% | 42% | Coverage 100% |
| Indiana County | C | 0.0% | 48% | Coverage 89% |
| Jefferson County | C | 0.0% | 53% | Coverage 100% |
| Juniata County | D | 9.5% | 9.5% | Coverage 100% |
| Lackawanna County | B | 0.0% | 0.0% | Coverage 65% |
| Lancaster County | A | 0.0% | 7.0% | Coverage 55% |
| Lawrence County | B | 0.0% | 0.0% | Coverage 59% |
| Lebanon County | B | 0.0% | 0.0% | Coverage 82% |
| Lehigh County | D | 8.9% | 29% | Coverage 41% |
| Luzerne County | C | 0.0% | 5.7% | Rated on 34% of deposits |
| Lycoming County | A | 0.0% | 0.0% | Coverage 59% |
| McKean County | A | 0.0% | 0.0% | Coverage 94% |
| Mercer County | B | 0.0% | 1.2% | Coverage 68% |
| Mifflin County | E | 48% | 48% | Coverage 100% |
| Monroe County | C | 0.0% | 0.0% | Rated on 30% of deposits |
| Montgomery County | D | 4.3% | 9.3% | Rated on 28% of deposits |
| Montour County | A | 0.0% | 0.0% | Coverage 75% |
| Northampton County | D | 3.0% | 3.0% | Coverage 40% |
| Northumberland County | A | 0.0% | 0.0% | Coverage 48% |
| Perry County | B | 0.0% | 11% | Coverage 100% |
| Philadelphia County | n/a | 5.9% | 12% | Not rated — 9.9% coverage |
| Pike County | C | 0.0% | 0.0% | Coverage 57% |
| Potter County | D | 0.0% | 0.0% | Coverage 100% |
| Schuylkill County | C | 0.0% | 52% | Coverage 45% |
| Snyder County | B | 0.0% | 0.0% | Coverage 54% |
| Somerset County | A | 0.0% | 14% | Coverage 89% |
| Sullivan County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Susquehanna County | C | 0.0% | 0.0% | Coverage 100% |
| Tioga County | D | 0.0% | 0.0% | Coverage 100% |
| Union County | C | 0.0% | 0.0% | Coverage 58% |
| Venango County | A | 0.0% | 0.0% | Coverage 78% |
| Warren County | A | 0.0% | 0.0% | Coverage 59% |
| Washington County | A | 0.0% | 4.0% | Coverage 50% |
| Wayne County | C | 0.0% | 0.0% | Coverage 95% |
| Westmoreland County | B | 0.0% | 28% | Coverage 59% |
| Wyoming County | B | 0.0% | 0.0% | Coverage 95% |
| York County | B | 0.0% | 0.0% | Coverage 41% |
Rhode Island (5)
| County | Pressure | Exposed deposits | Broad share | Coverage |
|---|---|---|---|---|
| Bristol County | C | 0.0% | 10% | Rated on 27% of deposits |
| Kent County | D | 0.0% | 36% | Rated on 37% of deposits |
| Newport County | D | 0.0% | 10% | Coverage 60% |
| Providence County | n/a | 0.0% | 53% | Not rated — 10% coverage |
| Washington County | D | 0.0% | 84% | Coverage 52% |
Vermont (14)
| County | Pressure | Exposed deposits | Broad share | Coverage |
|---|---|---|---|---|
| Addison County | A | 0.0% | 0.0% | Coverage 74% |
| Bennington County | A | 0.0% | 0.0% | Coverage 51% |
| Caledonia County | B | 0.0% | 25% | Coverage 91% |
| Chittenden County | n/a | 15% | 20% | Not rated — 22% coverage |
| Essex County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Franklin County | B | 0.0% | 18% | Coverage 62% |
| Grand Isle County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Lamoille County | D | 0.0% | 92% | Coverage 62% |
| Orange County | A | 0.0% | 17% | Coverage 100% |
| Orleans County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Rutland County | C | 0.0% | 44% | Rated on 30% of deposits |
| Washington County | A | 0.0% | 2.7% | Coverage 59% |
| Windham County | n/a | 0.0% | 0.0% | Fewer than 3 banks under $100B in assets |
| Windsor County | D | 0.0% | 12% | Coverage 74% |
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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.