New York · Q2 2026
Monroe County, New York
0.0% of Monroe 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 11%.
Rated on 25.6% 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
11 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Genesee Regional Bank | Rochester, NY | $1.3B | Below | — | 100.0% |
| The Upstate National Bank | Ogdensburg, NY | $0.3B | Concentrated | 300%+, growth test not met | 83.1% |
| The Canandaigua National Bank and Trust Company | Canandaigua, NY | $5.4B | Below | — | 68.4% |
| Five Star Bank | Rochester, NY | $6.3B | Below | — | 9.9% |
| Tompkins Bank & Trust | Ithaca, NY | $8.8B | Concentrated | 300%+, growth test not met | 5.7% |
| The Lyons National Bank | Lyons, NY | $2.1B | Below | — | 4.4% |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Concentrated | 300%+, growth test not met | 1.4% |
| NBT Bank, National Association | Norwich, NY | $16B | Below | — | 1.3% |
| Northwest Bank | Warren, PA | $17B | Below | — | 0.6% |
| Community Bank, National Association | Canton, NY | $17B | Below | — | 0.3% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.1% |
- Rochester, NY$1.3B—100.0% of bank deposits
- The Upstate National BankConcentratedOgdensburg, NY$0.3B300%+, growth test not met83.1% of bank deposits
- Canandaigua, NY$5.4B—68.4% of bank deposits
- Five Star BankBelowRochester, NY$6.3B—9.9% of bank deposits
- Tompkins Bank & TrustConcentratedIthaca, NY$8.8B300%+, growth test not met5.7% of bank deposits
- Lyons, NY$2.1B—4.4% of bank deposits
- NEXTIER BANK, NATIONAL ASSOCIATIONConcentratedKittanning, PA$2.9B300%+, growth test not met1.4% of bank deposits
- Norwich, NY$16B—1.3% of bank deposits
- Northwest BankBelowWarren, PA$17B—0.6% of bank deposits
- Canton, NY$17B—0.3% of bank deposits
- The Woodlands, TX$9.0B—0.1% 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 11 banks under $100B in assets with a branch in Monroe County are above a regulatory CRE concentration threshold this quarter. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 11%.
Coverage is 25.6%: the rest of the deposits in Monroe 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.