New York · Q2 2026

Westchester County, New York

n/aCredit pressureNot rated — 7.5% coverage

Banks under $100B in assets hold 7.5% of deposits in Westchester County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.

0.7% of Westchester 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 25%.

Rank

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Exposed deposits vs Q1 2026

▲ 0.3 pts

Coverage

Coverage 7.5% — 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

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

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Sunnyside Federal Savings and Loan Association of Irvington	Irvington, NY	$0.1B	Below	—	100.0%
Emigrant Bank	Miami, FL	$5.7B	Below	—	82.6%
Customers Bank	Malvern, PA	$27B	Below	—	54.1%
Orange Bank & Trust Company	Middletown, NY	$2.8B	Concentrated	300%+, growth test not met	39.1%
The First Bank of Greenwich	Cos Cob, CT	$0.8B	Concentrated	300%+, growth test not met	15.7%
Apple Bank	New York, NY	$20B	Concentrated	300%+, growth test not met	11.3%
Tompkins Bank & Trust	Ithaca, NY	$8.8B	Concentrated	300%+, growth test not met	8.1%
NorthEast Community Bank	White Plains, NY	$2.1B	Above threshold	C1	7.3%
Patriot Bank, National Association	Stamford, CT	$1.3B	Below	—	4.4%
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Below	—	3.6%
The Putnam County National Bank of Carmel	Carmel, NY	$0.2B	Below	—	3.5%
TrustCo Bank	Glenville, NY	$6.5B	Below	—	3.5%
Webster Bank, National Association	Stamford, CT	$86B	Below	—	2.3%
Valley National Bank	Passaic, NJ	$66B	Concentrated	300%+, growth test not met	1.8%
ConnectOne Bank	Englewood Cliffs, NJ	$14B	Concentrated	300%+, growth test not met	1.5%
Flagstar Bank, National Association	Hicksville, NY	$88B	Concentrated	300%+, growth test not met	1.5%
OceanFirst Bank, National Association	Toms River, NJ	$23B	Above threshold	C2	0.7%
Dime Commercial Bank	Hauppauge, NY	$15B	Concentrated	300%+, growth test not met	0.6%

Sunnyside Federal Savings and Loan Association of IrvingtonBelow
Irvington, NY$0.1B—100.0% of bank deposits
Emigrant BankBelow
Miami, FL$5.7B—82.6% of bank deposits
Customers BankBelow
Malvern, PA$27B—54.1% of bank deposits
Orange Bank & Trust CompanyConcentrated
Middletown, NY$2.8B300%+, growth test not met39.1% of bank deposits
The First Bank of GreenwichConcentrated
Cos Cob, CT$0.8B300%+, growth test not met15.7% of bank deposits
Apple BankConcentrated
New York, NY$20B300%+, growth test not met11.3% of bank deposits
Tompkins Bank & TrustConcentrated
Ithaca, NY$8.8B300%+, growth test not met8.1% of bank deposits
NorthEast Community BankAbove threshold
White Plains, NY$2.1BC17.3% of bank deposits
Patriot Bank, National AssociationBelow
Stamford, CT$1.3B—4.4% of bank deposits
Ridgewood Savings BankBelow
Ridgewood, NY$7.5B—3.6% of bank deposits
The Putnam County National Bank of CarmelBelow
Carmel, NY$0.2B—3.5% of bank deposits
TrustCo BankBelow
Glenville, NY$6.5B—3.5% of bank deposits
Webster Bank, National AssociationBelow
Stamford, CT$86B—2.3% of bank deposits
Valley National BankConcentrated
Passaic, NJ$66B300%+, growth test not met1.8% of bank deposits
ConnectOne BankConcentrated
Englewood Cliffs, NJ$14B300%+, growth test not met1.5% of bank deposits
Flagstar Bank, National AssociationConcentrated
Hicksville, NY$88B300%+, growth test not met1.5% of bank deposits
OceanFirst Bank, National AssociationAbove threshold
Toms River, NJ$23BC20.7% of bank deposits
Dime Commercial BankConcentrated
Hauppauge, NY$15B300%+, growth test not met0.6% 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 18 banks under $100B in assets with a branch in Westchester County are above a regulatory CRE concentration threshold, and together they hold 0.7% of the county deposits this report covers. Another 9 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 25%. 1 more sits within one quarter of a threshold.

Coverage is 7.5%: the rest of the deposits in Westchester 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.