New York · Q2 2026

Niagara County, New York

n/aCredit pressureNot rated — 24% coverage

Banks under $100B in assets hold 24% of deposits in Niagara County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.

0.0% of Niagara County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.

Rank

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Exposed deposits vs Q1 2026

— no change

Coverage

Coverage 24% — not rated

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

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Banks behind this number

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

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Northwest Bank	Warren, PA	$17B	Below	—	6.0%
CNB Bank	Clearfield, PA	$8.4B	Approaching	—	3.5%
NBT Bank, National Association	Norwich, NY	$16B	Below	—	0.5%
Woodforest National Bank	The Woodlands, TX	$9.0B	Below	—	0.1%

Northwest BankBelow
Warren, PA$17B—6.0% of bank deposits
CNB BankApproaching
Clearfield, PA$8.4B—3.5% of bank deposits
NBT Bank, National AssociationBelow
Norwich, NY$16B—0.5% of bank deposits
Woodforest National BankBelow
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 4 banks under $100B in assets with a branch in Niagara County are above a regulatory CRE concentration threshold this quarter. 1 more sits within one quarter of a threshold.

Coverage is 24%: the rest of the deposits in Niagara 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.