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Financial strength ranking · New York · Call Report data as of Q2 2026

Best Banks in New York by Financial Strength

Northeast Community Bank ranks first among the 92 banks headquartered in New York we score, with a financial strength score of 91.7 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first
Northeast Community Bank
Its score
91.7 of 100
Banks scored in New York
92
Its return on assets
2.05%

Every scored bank in New York

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in New York ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
1 Northeast Community Bank White Plains 91.7 2.05% 38.77% 17.32% 0.00% $2.11B
2 Jeff Bank, N.A. Jeffersonville 76.2 1.91% 48.55% 14.92% 0.27% $686.2M
3 Esquire Bank, N.A. Jericho 75.6 2.33% 45.35% 11.68% 0.21% $2.49B
4 Spring Bank Bronx 75.6 1.92% 41.99% 14.59% 0.42% $641.0M
5 Watertown Savings Bank Watertown 68.4 1.92% 48.44% 17.60% 1.19% $971.0M
6 Amerasia Bank Flushing 67.8 1.70% 38.25% 15.12% 1.20% $1.08B
7 American Community Bank Glen Cove 64.8 1.29% 65.77% 13.37% 0.00% $306.5M
8 Bank of Millbrook Millbrook 64.1 1.96% 49.76% 12.11% 0.78% $311.7M
9 The Putnam County National Bank of Carmel Carmel 63.3 1.65% 60.20% 26.77% 0.63% $182.7M
10 Bank of Greene Catskill 63.0 1.51% 43.74% 9.88% 0.12% $3.18B
11 Orange Bank & Trust Company Middletown 62.5 2.03% 56.72% 13.15% 0.79% $2.79B
12 Genesee Regional Bank Rochester 62.2 1.82% 51.28% 10.97% 0.44% $1.31B
13 Lake Shore Bank Dunkirk 61.0 1.19% 62.31% 17.43% 0.20% $735.9M
14 Ponce Bank, N.A. Bronx 58.0 1.16% 53.92% 15.81% 0.68% $3.49B
15 The First National Bank of Dryden Dryden 56.7 1.15% 54.72% 13.55% 0.51% $203.9M
16 Alpine Capital Bank New York 56.6 0.79% 68.27% 13.74% 0.00% $237.3M
17 Deutsche Bank Trust Company Americas New York 55.7 1.05% 63.99% 25.79% 0.35% $40.53B
18 Carthage Savings and Loan, N.A. Carthage 55.3 1.07% 59.78% 12.86% 0.24% $312.1M
19 The Bank of New York Mellon New York 55.2 1.64% 56.49% 6.20% 0.00% $425.12B
20 Five Star Bank Rochester 54.6 1.43% 51.33% 10.87% 0.63% $6.29B
21 Popular Bank New York 53.0 0.97% 55.41% 11.80% 0.31% $15.03B
22 Eastbank, N.A. New York 53.0 0.47% 82.01% 22.99% 0.00% $153.0M
23 Massena Savings and Loan Massena 52.6 1.18% 54.98% 15.15% 1.37% $199.9M
24 Chemung Canal Trust Company, N.A. Elmira 52.5 1.35% 60.04% 11.38% 0.39% $2.82B
25 Bank of Holland Holland 52.5 1.51% 51.18% 8.77% 0.23% $261.6M
26 Bessemer Trust Company, N.A. New York 51.6 3.38% 79.48% 7.62% 0.00% $4.16B
27 The North Country Savings Bank Canton 51.6 1.39% 66.13% 14.53% 0.72% $373.5M
28 Morgan Stanley Private Bank, N.A. Purchase 50.6 1.08% 26.48% 6.65% 0.17% $250.43B
29 Dime Commercial Bank Bridgehampton 50.3 1.02% 49.19% 10.67% 0.46% $15.03B
30 Newbank Flushing 50.0 1.27% 58.31% 15.00% 2.00% $618.0M
31 Woori America Bank New York 49.7 1.02% 49.95% 12.78% 1.44% $4.12B
32 Alden State Bank Alden 49.2 1.33% 62.11% 15.18% 1.72% $463.1M
33 Goldman Sachs Bank USA New York 48.9 1.23% 37.69% 7.67% 0.34% $758.79B
34 Safra National Bank of New York New York 48.0 1.04% 58.88% 8.56% 0.00% $15.69B
35 Amalgamated Bank New York 47.9 1.52% 47.12% 9.60% 1.09% $9.41B
36 The First National Bank of Groton Groton 47.6 1.26% 65.46% 14.58% 1.03% $203.9M
37 Manufacturers and Traders Trust Company Buffalo 47.2 1.54% 50.65% 9.51% 0.89% $218.79B
38 Tompkins Bank & Trust Ithaca 46.7 1.47% 51.50% 9.11% 0.60% $8.79B
39 Metropolitan Commercial Bank New York 44.6 0.91% 53.68% 11.07% 0.76% $8.86B
40 Tioga State Bank, N.A. Spencer 44.6 1.29% 65.65% 11.38% 0.63% $625.2M
41 Bank of Richmondville Cobleskill 44.5 0.80% 72.65% 11.54% 0.08% $185.9M
42 NBT Bank, N.A. Norwich 43.9 1.23% 56.71% 9.49% 0.41% $16.09B
43 Champlain National Bank Elizabethtown 42.3 0.95% 70.69% 10.87% 0.17% $497.1M
44 The Adirondack Trust Company Saratoga Springs 42.0 1.12% 68.36% 10.49% 0.27% $1.70B
45 Piermont Bank New York 41.9 -2.00% 151.65% 12.70% 0.00% $505.1M
46 Interaudi Bank New York 41.5 1.28% 52.93% 10.02% 1.68% $2.68B
47 Arrow Bank N.A. Glens Falls 40.8 1.00% 60.97% 9.33% 0.19% $4.46B
48 The Lyons National Bank Lyons 40.3 1.16% 58.43% 9.02% 0.35% $2.13B
49 Rhinebeck Bank Rhinebeck 39.8 0.90% 72.00% 10.93% 0.24% $1.47B
50 Community Bank, N.A. Canton 39.4 1.20% 56.90% 7.86% 0.37% $17.45B
51 TrustCo Bank Glenville 39.1 1.05% 55.54% 8.38% 0.35% $6.52B
52 Geddes Federal Savings and Loan Association Syracuse 39.1 0.32% 76.61% 14.70% 0.37% $685.7M
53 Shinhan Bank America New York 38.1 0.67% 71.79% 12.47% 0.46% $2.23B
54 Industrial and Commercial Bank of China (USA), N.A. New York 37.7 0.81% 66.56% 17.26% 4.16% $2.86B
55 Wallkill Valley Federal Savings and Loan Association Wallkill 37.2 0.69% 72.95% 9.17% 0.00% $485.0M
56 Abacus Federal Savings Bank New York 36.6 0.29% 91.49% 16.32% 0.42% $320.7M
57 Habib American Bank New York 36.5 0.99% 55.09% 8.49% 0.49% $2.84B
58 Solvay Bank Solvay 36.5 0.86% 72.26% 9.53% 0.07% $1.20B
59 The Canandaigua National Bank and Trust Company Canandaigua 36.0 1.21% 59.99% 9.01% 0.63% $5.41B
60 Gouverneur Savings and Loan Association Gouverneur 35.7 0.62% 79.53% 14.53% 0.71% $198.9M
61 The Berkshire Bank New York 34.9 0.69% 72.51% 24.16% 3.46% $530.0M
62 The Upstate National Bank Ogdensburg 34.8 0.11% 92.19% 10.19% 0.00% $294.8M
63 Israel Discount Bank of New York New York 33.2 0.76% 66.11% 11.01% 0.82% $14.39B
64 Savannah Bank, N.A. Savannah 33.2 0.92% 72.78% 8.92% 0.11% $187.2M
65 The Delaware National Bank of Delhi Delhi 32.5 0.81% 64.32% 9.61% 0.43% $384.1M
66 Walden Savings Bank Montgomery 31.8 0.91% 64.98% 10.19% 0.82% $1.02B
67 Cattaraugus County Bank Little Valley 29.2 0.69% 72.48% 11.26% 0.97% $384.7M
68 Mizuho Bank (USA) New York 28.9 0.64% 93.63% 7.05% 0.00% $2.14B
69 Rondout Savings Bank Kingston 27.9 0.39% 83.94% 9.79% 0.15% $512.0M
70 United Orient Bank New York 27.0 -0.11% 101.82% 12.53% 0.67% $101.4M
71 First Central Savings Bank Glen Cove 26.6 0.92% 68.90% 10.30% 1.61% $1.03B
72 Cross County Savings Bank Middle Village 26.3 0.51% 83.10% 12.84% 1.66% $525.4M
73 Hanover Community Bank Garden City Park 26.1 0.88% 65.70% 9.76% 1.24% $2.33B
74 Pioneer Bank, N.A. Albany 25.8 0.50% 79.75% 9.97% 0.39% $2.34B
75 Alma Bank Astoria 25.7 0.72% 74.69% 10.35% 0.83% $1.60B
76 Empire State Bank Staten Island 25.7 0.74% 73.34% 10.13% 0.78% $617.8M
77 Pathfinder Bank Oswego 24.5 0.97% 64.59% 9.64% 2.83% $1.49B
78 Community Federal Savings Bank Woodhaven 24.4 -0.18% 102.37% 9.94% 0.20% $827.0M
79 Grasshopper Bank, N.A. New York 21.4 0.69% 77.86% 8.22% 0.37% $1.60B
80 Apple Bank New York 20.7 0.51% 78.03% 7.74% 0.31% $19.89B
81 Ballston Spa National Bank Ballston Spa 19.9 0.02% 102.73% 8.74% 0.18% $1.37B
82 First National Bank of Scotia Scotia 18.7 0.74% 73.87% 9.22% 1.08% $719.0M
83 Global Bank New York 18.6 -0.26% 95.51% 12.11% 3.99% $304.2M
84 Sawyer Savings Bank Saugerties 18.2 0.30% 86.98% 11.02% 2.02% $284.7M
85 Maple City Savings Bank, FSB Hornell 17.3 0.63% 79.46% 9.46% 1.05% $121.8M
86 Seneca Savings Bank, N.A. Baldwinsville 16.9 0.28% 86.33% 9.84% 0.86% $312.5M
87 Ulster Savings Bank Kingston 16.6 0.51% 83.11% 9.79% 1.16% $1.39B
88 Cayuga Lake National Bank Union Springs 14.7 0.67% 79.96% 9.30% 1.57% $273.7M
89 Quontic Bank Astoria 11.0 0.37% 89.19% 9.73% 2.84% $787.0M
90 Flagstar Bank, N.A. Hicksville 10.8 0.16% 82.77% 9.70% 3.47% $87.71B
91 Modern Bank, N.A. New York 8.3 0.26% 108.01% 9.56% 4.20% $648.5M
92 Carver Federal Savings Bank New York 2.4 -0.77% 116.21% 7.74% 2.94% $651.5M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in New York?

By our financial strength score, Northeast Community Bank of White Plains ranks first among the 92 scored banks headquartered in New York, scoring 91.7 out of 100 for Q2 2026: return on assets of 2.05%, an efficiency ratio of 38.77%, a Tier 1 leverage ratio of 17.32% and nonperforming assets of 0.00% of total assets. Jeff Bank, N.A. and Esquire Bank, N.A. rank second and third.

How are the best banks in New York ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

Best banks in other states

More in New York

Largest banks in New York Bank deposits in New York Largest credit unions in New York Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.