New York · Q2 2026

Kings County, New York

n/aCredit pressureNot rated — 17% coverage

Banks under $100B in assets hold 17% of deposits in Kings County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.

1.3% of Kings 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 73%.

Rank

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Exposed deposits vs Q1 2026

▲ 0.1 pts

Coverage

Coverage 17% — not rated

Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

Hover or tap a county for its grade.

Banks behind this number

29 banks under $100B in assets with a branch here

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Empire State Bank	Staten Island, NY	$0.6B	Concentrated	300%+, growth test not met	39.8%
Carver Federal Savings Bank	New York, NY	$0.7B	Concentrated	300%+, growth test not met	31.2%
The Berkshire Bank	New York, NY	$0.5B	Below	—	27.6%
Alma Bank	Astoria, NY	$1.6B	Concentrated	300%+, growth test not met	21.1%
Abacus Federal Savings Bank	New York, NY	$0.3B	Below	—	19.3%
Apple Bank	New York, NY	$20B	Concentrated	300%+, growth test not met	17.9%
Cross County Savings Bank	Middle Village, NY	$0.5B	Below	—	16.4%
Popular Bank	New York, NY	$15B	Concentrated	300%+, growth test not met	14.3%
Dime Commercial Bank	Hauppauge, NY	$15B	Concentrated	300%+, growth test not met	12.3%
Global Bank	New York, NY	$0.3B	Below	—	11.5%
Northfield Bank	Staten Island, NY	$5.5B	Concentrated	300%+, growth test not met	11.0%
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Below	—	9.6%
Royal Business Bank	Los Angeles, CA	$4.3B	Below	—	9.5%
Hanover Community Bank	Garden City Park, NY	$2.3B	Concentrated	300%+, growth test not met	8.8%
Ponce Bank, National Association	Bronx, NY	$3.5B	Above threshold	C1+C2	6.9%
Industrial and Commercial Bank of China USA, National Association	New York, NY	$2.9B	Below	—	4.8%
Spring Bank	Bronx, NY	$0.6B	Above threshold	C2	3.4%
Metropolitan Commercial Bank	New York, NY	$8.9B	Concentrated	300%+, growth test not met	3.3%
Flagstar Bank, National Association	Hicksville, NY	$88B	Concentrated	300%+, growth test not met	3.2%
Webster Bank, National Association	Stamford, CT	$86B	Below	—	2.5%
CTBC Bank Corp. (USA)	Los Angeles, CA	$5.9B	Below	—	2.2%
Kearny Bank	Kearny, NJ	$7.7B	Concentrated	300%+, growth test not met	2.1%
Israel Discount Bank of New York	New York, NY	$14B	Approaching	—	2.0%
Cathay Bank	Los Angeles, CA	$25B	Below	—	1.5%
Valley National Bank	Passaic, NJ	$66B	Concentrated	300%+, growth test not met	0.9%
ConnectOne Bank	Englewood Cliffs, NJ	$14B	Concentrated	300%+, growth test not met	0.7%
East West Bank	Pasadena, CA	$84B	Below	—	0.7%
Amalgamated Bank	New York, NY	$9.4B	Below	—	0.5%
BankUnited, National Association	Miami Lakes, FL	$35B	Below	—	0.0%

Empire State BankConcentrated
Staten Island, NY$0.6B300%+, growth test not met39.8% of bank deposits
Carver Federal Savings BankConcentrated
New York, NY$0.7B300%+, growth test not met31.2% of bank deposits
The Berkshire BankBelow
New York, NY$0.5B—27.6% of bank deposits
Alma BankConcentrated
Astoria, NY$1.6B300%+, growth test not met21.1% of bank deposits
Abacus Federal Savings BankBelow
New York, NY$0.3B—19.3% of bank deposits
Apple BankConcentrated
New York, NY$20B300%+, growth test not met17.9% of bank deposits
Cross County Savings BankBelow
Middle Village, NY$0.5B—16.4% of bank deposits
Popular BankConcentrated
New York, NY$15B300%+, growth test not met14.3% of bank deposits
Dime Commercial BankConcentrated
Hauppauge, NY$15B300%+, growth test not met12.3% of bank deposits
Global BankBelow
New York, NY$0.3B—11.5% of bank deposits
Northfield BankConcentrated
Staten Island, NY$5.5B300%+, growth test not met11.0% of bank deposits
Ridgewood Savings BankBelow
Ridgewood, NY$7.5B—9.6% of bank deposits
Royal Business BankBelow
Los Angeles, CA$4.3B—9.5% of bank deposits
Hanover Community BankConcentrated
Garden City Park, NY$2.3B300%+, growth test not met8.8% of bank deposits
Ponce Bank, National AssociationAbove threshold
Bronx, NY$3.5BC1+C26.9% of bank deposits
Industrial and Commercial Bank of China USA, National AssociationBelow
New York, NY$2.9B—4.8% of bank deposits
Spring BankAbove threshold
Bronx, NY$0.6BC23.4% of bank deposits
Metropolitan Commercial BankConcentrated
New York, NY$8.9B300%+, growth test not met3.3% of bank deposits
Flagstar Bank, National AssociationConcentrated
Hicksville, NY$88B300%+, growth test not met3.2% of bank deposits
Webster Bank, National AssociationBelow
Stamford, CT$86B—2.5% of bank deposits
CTBC Bank Corp. (USA)Below
Los Angeles, CA$5.9B—2.2% of bank deposits
Kearny BankConcentrated
Kearny, NJ$7.7B300%+, growth test not met2.1% of bank deposits
Israel Discount Bank of New YorkApproaching
New York, NY$14B—2.0% of bank deposits
Cathay BankBelow
Los Angeles, CA$25B—1.5% of bank deposits
Valley National BankConcentrated
Passaic, NJ$66B300%+, growth test not met0.9% of bank deposits
ConnectOne BankConcentrated
Englewood Cliffs, NJ$14B300%+, growth test not met0.7% of bank deposits
East West BankBelow
Pasadena, CA$84B—0.7% of bank deposits
Amalgamated BankBelow
New York, NY$9.4B—0.5% of bank deposits
BankUnited, National AssociationBelow
Miami Lakes, FL$35B—0.0% 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

2 of the 29 banks under $100B in assets with a branch in Kings County are above a regulatory CRE concentration threshold, and together they hold 1.3% of the county deposits this report covers. Another 13 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 73%. 1 more sits within one quarter of a threshold.

Coverage is 17%: the rest of the deposits in Kings 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.

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.