State directory · NY

New York Banks

Every FDIC-insured bank headquartered in New York, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
120
FDIC banks
71/100
Avg health score
$2.02T
Total assets
6
Failures since 2000

Data updated July 2026

The state picture

New York's 120 FDIC banks hold $2.02T in assets and average 71/100 on health - 72% earn an A or B grade.

120
FDIC-insured banks
72%
grade A or B (86 banks)
$645.0B
largest - Goldman Sachs Bank USA
6
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: New York's average health score of 71/100 is below the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
46
38% of banks
B
40
33% of banks
C
19
16% of banks
D
4
3% of banks
F
11
9% of banks

Largest banks in New York

Top 10 New York banks by total assets
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

  6. 6
    Bank of China $61.9B

    New York, NY · Grade F

  7. 7
    Deutsche Bank Trust Company Americas $43.0B

    New York, NY · Grade A

  8. 8
    State Bank of India $22.6B

    New York, NY · Grade F

  9. 9
    Apple Bank $19.2B

    New York, NY · Grade C

  10. 10
    Community Bank $17.0B

    Canton, NY · Grade A

Top 10 of 120 New York banks · FDIC Call Report Q4 2025.

New York banks by health grade

0 10 20 30 40 50 A B C D F 46 40 19 4 11

How New York compares nationally

New York ranks #47 of 55 states and territories by average bank health score - better than 15% of them.

States grouped by average health score

All 120 New York banks · Page 1 of 2

Bank Assets Grade
Goldman Sachs Bank USA $645.0B A
The Bank of New York Mellon $381.0B A
Morgan Stanley Private Bank, National Association $254.7B A
Manufacturers and Traders Trust Company $212.9B A
Flagstar Bank, National Association $87.5B D
Bank of China $61.9B F
Deutsche Bank Trust Company Americas $43.0B A
State Bank of India $22.6B F
Apple Bank $19.2B C
Community Bank, National Association $17.0B A
Bank of Baroda $15.9B F
NBT Bank, National Association $15.9B B
Dime Community Bank $15.3B A
Popular Bank $15.1B B
Israel Discount Bank of New York $14.4B B
Safra National Bank of New York $12.5B A
Bank Hapoalim B.M. $10.2B F
Amalgamated Bank $8.9B A
Flushing Bank $8.7B B
Tompkins Community Bank $8.7B C
Metropolitan Commercial Bank $8.3B B
Ridgewood Savings Bank $7.5B B
Bank of India $7.0B F
TrustCo Bank $6.4B A
Bessemer Trust Company, National Association $6.4B A
Five Star Bank $6.2B A
Northfield Bank $5.8B C
Mizuho Bank (USA) $5.5B A
The Canandaigua National Bank and Trust Company $5.3B B
Arrow Bank National Association $4.4B B
Woori America Bank $4.0B A
The Bank of East Asia Ltd. $3.9B F
Ponce Bank, National Association $3.2B A
The Bank of Greene County $3.1B A
Industrial and Commercial Bank of China USA, National Association $2.9B B
Habib American Bank $2.7B B
Chemung Canal Trust Company $2.7B B
Orange Bank & Trust Company $2.7B A
Interaudi Bank $2.6B A
Hanover Community Bank $2.4B C
Esquire Bank, National Association $2.3B A
Maspeth Federal Savings and Loan Association $2.2B A
Pioneer Bank, National Association $2.2B A
The Lyons National Bank $2.1B A
NorthEast Community Bank $2.1B A
Shinhan Bank America $1.9B B
The Adirondack Trust Company $1.8B B
Grasshopper Bank, N.A. $1.6B B
Alma Bank $1.5B C
Pathfinder Bank $1.4B C
Bank of Utica $1.4B A
Ulster Savings Bank $1.4B C
Genesee Regional Bank $1.3B B
Greene County Commercial Bank $1.3B A
Rhinebeck Bank $1.3B B
Solvay Bank $1.2B D
Amerasia Bank $1000M A
First Central Savings Bank $970M B
Walden Savings Bank $968M A
Adirondack Bank $942M C
Watertown Savings Bank $941M A
Ballston Spa National Bank $929M B
BTG Pactual Bank, National Association $888M B
Community Federal Savings Bank $866M A
Quontic Bank $832M C
Lake Shore Bank $728M A
First National Bank of Scotia $699M B
Carver Federal Savings Bank $696M F
Modern Bank, National Association $664M D
Jeff Bank $662M A
Geddes Federal Savings and Loan Association $652M B
NewBank $637M A
Empire State Bank $617M B
Tioga State Bank National Association $609M A
Spring Bank $558M A
The Berkshire Bank $536M B
Cross County Savings Bank $530M B
The Bank of East Asia Ltd. $524M F
Piermont Bank $520M C
Rondout Savings Bank $512M C
The National Bank of Coxsackie $512M B
Fulton Savings Bank $490M A
Champlain National Bank $486M B
Wallkill Valley Federal Savings and Loan Association $465M C
Alden State Bank $448M A
Cattaraugus County Bank $375M B
The Delaware National Bank of Delhi $371M B
The North Country Savings Bank $366M A
Generations Bank $347M C
American Community Bank $321M A
Abacus Federal Savings Bank $316M B
Seneca Savings Bank, National Association $312M D
Bank of Millbrook $308M A
Carthage Savings and Loan, National Association $304M B
Sawyer Savings Bank $288M C
Cayuga Lake National Bank $288M B
The Upstate National Bank $277M B
Global Bank $273M C
Bank of Holland $246M A
Alpine Capital Bank $222M B

How to read the New York bank directory

This page lists every FDIC-insured bank with a primary regulatory address in New York. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 120 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across New York, 86 institutions (72%) sit in the A or B band, while 15 (13%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 6 banks headquartered in New York have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the New York directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.

Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.