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.
- 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
Largest banks in New York
New York banks by health grade
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 2 of 2
| Bank | Assets | Grade |
|---|---|---|
| The First National Bank of Dryden | $203M | A |
| The First National Bank of Groton | $203M | B |
| Gouverneur Savings and Loan Association | $202M | B |
| Massena Savings and Loan | $200M | B |
| Savannah Bank National Association | $189M | B |
| First Federal Savings of Middletown | $182M | A |
| Bank of Richmondville | $181M | B |
| The Putnam County National Bank of Carmel | $174M | A |
| WSB Municipal Bank | $153M | A |
| Eastbank, National Association | $147M | A |
| Maple City Savings Bank, FSB | $122M | C |
| United Orient Bank | $101M | C |
| Sunnyside Federal Savings and Loan Association of Irvington | $87M | C |
| GS&L Municipal Bank | $39M | A |
| Metropolitan Bank and Trust Company | $36M | F |
| Bank of Cattaraugus | $27M | B |
| The Citizens National Bank of Hammond | $26M | C |
| Emigrant Mercantile Bank | $3M | B |
| Bank of China | - | |
| French-American Banking Corporation (NYIC) | - |
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.
- Open the largest or highest-graded New York banks to see the full four-pillar breakdown. Top bank profile
- Compare the safest and highest-risk banks nationwide before moving funds. Safest banks
- Confirm your deposit insurance coverage - $250,000 per depositor, per category. FDIC insurance explained
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.
Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.
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.