New York · Q2 2026

Nassau County, New York

DCredit pressureD on a scale where E is the highest pressure and A the lowest

1.2% of Nassau 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 41%.

Rated on 36% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.

Rank

Outside the top 15

Full ranking is part of Desk

Exposed deposits vs Q1 2026

▲ 0.0 pts

Coverage

Coverage 36% — low

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

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Banks behind this number

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

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Esquire Bank, National Association	Jericho, NY	$2.5B	Below	—	100.0%
American Community Bank	Glen Cove, NY	$0.3B	Concentrated	300%+, growth test not met	82.7%
Webster Bank, National Association	Stamford, CT	$86B	Below	—	41.8%
First Central Savings Bank	Glen Cove, NY	$1.0B	Below	—	29.8%
Hanover Community Bank	Garden City Park, NY	$2.3B	Concentrated	300%+, growth test not met	25.7%
ConnectOne Bank	Englewood Cliffs, NJ	$14B	Concentrated	300%+, growth test not met	21.9%
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Below	—	19.5%
Dime Commercial Bank	Hauppauge, NY	$15B	Concentrated	300%+, growth test not met	18.8%
Apple Bank	New York, NY	$20B	Concentrated	300%+, growth test not met	17.3%
Habib American Bank	New York, NY	$2.8B	Above threshold	C2	14.0%
Maspeth Federal Savings and Loan Association	Maspeth, NY	$2.2B	Below	—	10.6%
Flagstar Bank, National Association	Hicksville, NY	$88B	Concentrated	300%+, growth test not met	8.6%
Alma Bank	Astoria, NY	$1.6B	Concentrated	300%+, growth test not met	3.4%
Metropolitan Commercial Bank	New York, NY	$8.9B	Concentrated	300%+, growth test not met	2.7%
BCB Community Bank	Bayonne, NJ	$3.1B	Concentrated	300%+, growth test not met	2.1%
Valley National Bank	Passaic, NJ	$66B	Concentrated	300%+, growth test not met	1.7%
Bank of Hope	Los Angeles, CA	$19B	Below	—	1.4%
Provident Bank	Jersey City, NJ	$26B	Above threshold	C2	0.8%
The Bank of Princeton	Princeton, NJ	$2.3B	Concentrated	300%+, growth test not met	0.7%

Esquire Bank, National AssociationBelow
Jericho, NY$2.5B—100.0% of bank deposits
American Community BankConcentrated
Glen Cove, NY$0.3B300%+, growth test not met82.7% of bank deposits
Webster Bank, National AssociationBelow
Stamford, CT$86B—41.8% of bank deposits
First Central Savings BankBelow
Glen Cove, NY$1.0B—29.8% of bank deposits
Hanover Community BankConcentrated
Garden City Park, NY$2.3B300%+, growth test not met25.7% of bank deposits
ConnectOne BankConcentrated
Englewood Cliffs, NJ$14B300%+, growth test not met21.9% of bank deposits
Ridgewood Savings BankBelow
Ridgewood, NY$7.5B—19.5% of bank deposits
Dime Commercial BankConcentrated
Hauppauge, NY$15B300%+, growth test not met18.8% of bank deposits
Apple BankConcentrated
New York, NY$20B300%+, growth test not met17.3% of bank deposits
Habib American BankAbove threshold
New York, NY$2.8BC214.0% of bank deposits
Maspeth Federal Savings and Loan AssociationBelow
Maspeth, NY$2.2B—10.6% of bank deposits
Flagstar Bank, National AssociationConcentrated
Hicksville, NY$88B300%+, growth test not met8.6% of bank deposits
Alma BankConcentrated
Astoria, NY$1.6B300%+, growth test not met3.4% of bank deposits
Metropolitan Commercial BankConcentrated
New York, NY$8.9B300%+, growth test not met2.7% of bank deposits
BCB Community BankConcentrated
Bayonne, NJ$3.1B300%+, growth test not met2.1% of bank deposits
Valley National BankConcentrated
Passaic, NJ$66B300%+, growth test not met1.7% of bank deposits
Bank of HopeBelow
Los Angeles, CA$19B—1.4% of bank deposits
Provident BankAbove threshold
Jersey City, NJ$26BC20.8% of bank deposits
The Bank of PrincetonConcentrated
Princeton, NJ$2.3B300%+, growth test not met0.7% 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 20 banks under $100B in assets with a branch in Nassau County are above a regulatory CRE concentration threshold, and together they hold 1.2% of the county deposits this report covers. Another 11 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 41%.

Coverage is 36%: the rest of the deposits in Nassau 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.