Asset Quality ranking · New York · Call report data as of September 30, 2026
New York Banks: Highest CRE Delinquency
Industrial and Commercial Bank of China (USA), N.A. has the highest commercial real estate noncurrent rate of the 83 ranked banks headquartered in New York, at 13.04% as of September 30, 2026. The median among the 83 ranked New York banks is 0.50%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.53%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks New York banks by commercial real estate noncurrent rate. For the largest banks headquartered in New York, see largest banks in New York.
- No. 1 in New York
- Industrial and Commercial Bank of China (USA)
- Its CRE noncurrent
- 13.04%
- New York median
- 0.50%
- Banks ranked
- 83
Ranked among banks headquartered in New York, numbered 1 to 83 within the state from the same population as the national list. Browse every bank in the New York bank directory.
Top 83 New York banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the New York median of 0.50%. Missing values show as a dash and sort last.
| 1 | Industrial and Commercial Bank of China (USA), N.A. New York, NY | 13.04% | $2.79B $1B to $10B |
| 2 | Goldman Sachs Bank USA New York, NY | 10.03% | $789.72B $100B and over |
| 3 | The Berkshire Bank New York, NY | 8.35% | $483.7M $100M to $1B |
| 4 | Global Bank New York, NY | 8.08% | $317.0M $100M to $1B |
| 5 | Pathfinder Bank Oswego, NY | 7.29% | $1.48B $1B to $10B |
| 6 | Flagstar Bank, N.A. Hicksville, NY | 5.79% | $87.41B $10B to $100B |
| 7 | Deutsche Bank Trust Company Americas New York, NY | 5.30% | $42.45B $10B to $100B |
| 8 | Cayuga Lake National Bank Union Springs, NY | 4.44% | $270.8M $100M to $1B |
| 9 | First National Bank of Scotia Scotia, NY | 3.85% | $723.9M $100M to $1B |
| 10 | Ulster Savings Bank Kingston, NY | 3.79% | $1.38B $1B to $10B |
| 11 | Carver Federal Savings Bank New York, NY | 3.51% | $662.8M $100M to $1B |
| 12 | Seneca Savings Bank, N.A. Baldwinsville, NY | 3.23% | $315.6M $100M to $1B |
| 13 | Hanover Community Bank Garden City Park, NY | 3.08% | $2.44B $1B to $10B |
| 14 | Morgan Stanley Private Bank, N.A. Purchase, NY | 2.73% | $258.63B $100B and over |
| 15 | Cattaraugus County Bank Little Valley, NY | 2.48% | $370.2M $100M to $1B |
| 16 | Woori America Bank New York, NY | 2.37% | $4.35B $1B to $10B |
| 17 | Watertown Savings Bank Watertown, NY | 2.05% | $983.0M $100M to $1B |
| 18 | Bank of Utica Utica, NY | 1.73% | $1.52B $1B to $10B |
| 19 | Walden Savings Bank Montgomery, NY | 1.71% | $1.04B $1B to $10B |
| 20 | Orange Bank & Trust Company Middletown, NY | 1.59% | $2.73B $1B to $10B |
| 21 | Empire State Bank Staten Island, NY | 1.58% | $596.3M $100M to $1B |
| 22 | Maspeth Federal Savings and Loan Association Maspeth, NY | 1.49% | $2.22B $1B to $10B |
| 23 | Manufacturers and Traders Trust Company Buffalo, NY | 1.47% | $219.99B $100B and over |
| 24 | Amerasia Bank Flushing, NY | 1.44% | $1.08B $1B to $10B |
| 25 | Genesee Regional Bank Rochester, NY | 1.31% | $1.31B $1B to $10B |
| 26 | Sawyer Savings Bank Saugerties, NY | 1.29% | $280.5M $100M to $1B |
| 27 | Alden State Bank Alden, NY | 1.26% | $464.0M $100M to $1B |
| 28 | Israel Discount Bank of New York New York, NY | 1.20% | $14.54B $10B to $100B |
| 29 | Bank of Millbrook Millbrook, NY | 1.19% | $336.0M $100M to $1B |
| 30 | The Adirondack Trust Company Saratoga Springs, NY | 1.07% | $1.75B $1B to $10B |
| 31 | Bank of Holland Holland, NY | 1.07% | $256.4M $100M to $1B |
| 32 | Jeff Bank, N.A. Jeffersonville, NY | 0.94% | $678.5M $100M to $1B |
| 33 | Shinhan Bank America New York, NY | 0.87% | $2.17B $1B to $10B |
| 34 | The Canandaigua National Bank and Trust Company Canandaigua, NY | 0.81% | $5.53B $1B to $10B |
| 35 | Tioga State Bank, N.A. Spencer, NY | 0.72% | $628.7M $100M to $1B |
| 36 | Interaudi Bank New York, NY | 0.66% | $2.67B $1B to $10B |
| 37 | Newbank Flushing, NY | 0.65% | $639.0M $100M to $1B |
| 38 | The Lyons National Bank Lyons, NY | 0.63% | $2.21B $1B to $10B |
| 39 | Habib American Bank New York, NY | 0.61% | $3.03B $1B to $10B |
| 40 | NBT Bank, N.A. Norwich, NY | 0.50% | $16.27B $10B to $100B |
| 41 | Rhinebeck Bank Rhinebeck, NY | 0.50% | $1.51B $1B to $10B |
| 42 | Pioneer Bank, N.A. Albany, NY | 0.50% | $2.57B $1B to $10B |
| 43 | Esquire Bank, N.A. Jericho, NY | 0.39% | $4.80B $1B to $10B |
| 44 | Popular Bank New York, NY | 0.37% | $15.14B $10B to $100B |
| 45 | Grasshopper Bank, N.A. New York, NY | 0.35% | $1.58B $1B to $10B |
| 46 | Rondout Savings Bank Kingston, NY | 0.35% | $514.6M $100M to $1B |
| 47 | Spring Bank Bronx, NY | 0.34% | $628.4M $100M to $1B |
| 48 | Arrow Bank N.A. Glens Falls, NY | 0.33% | $5.52B $1B to $10B |
| 49 | Dime Commercial Bank Bridgehampton, NY | 0.27% | $15.54B $10B to $100B |
| 50 | Community Bank, N.A. Canton, NY | 0.27% | $17.47B $10B to $100B |
| 51 | Tompkins Bank & Trust Ithaca, NY | 0.24% | $8.97B $1B to $10B |
| 52 | Chemung Canal Trust Company, N.A. Elmira, NY | 0.22% | $2.85B $1B to $10B |
| 53 | Ballston Spa National Bank Ballston Spa, NY | 0.17% | $1.38B $1B to $10B |
| 54 | Metropolitan Commercial Bank New York, NY | 0.08% | $9.47B $1B to $10B |
| 55 | Bank of Greene Catskill, NY | 0.08% | $3.24B $1B to $10B |
| 56 | First Central Savings Bank Glen Cove, NY | 0.07% | $1.09B $1B to $10B |
| 57 | Five Star Bank Rochester, NY | 0.07% | $6.47B $1B to $10B |
| 58 | Lake Shore Bank Dunkirk, NY | 0.04% | $733.5M $100M to $1B |
| 59 | Solvay Bank Solvay, NY | 0.04% | $1.23B $1B to $10B |
| 60 | The Bank of New York Mellon New York, NY | 0.00% | $392.89B $100B and over |
| 61 | Apple Bank New York, NY | 0.00% | $19.96B $10B to $100B |
| 62 | Safra National Bank of New York New York, NY | 0.00% | $13.53B $10B to $100B |
| 63 | Amalgamated Bank New York, NY | 0.00% | $9.73B $1B to $10B |
| 64 | Ridgewood Savings Bank Ridgewood, NY | 0.00% | $7.57B $1B to $10B |
| 65 | TrustCo Bank Glenville, NY | 0.00% | $6.49B $1B to $10B |
| 66 | Ponce Bank, N.A. Bronx, NY | 0.00% | $3.67B $1B to $10B |
| 67 | Northeast Community Bank White Plains, NY | 0.00% | $2.21B $1B to $10B |
| 68 | Alma Bank Astoria, NY | 0.00% | $1.61B $1B to $10B |
| 69 | BTG Pactual Bank, N.A. New York, NY | 0.00% | $1.22B $1B to $10B |
| 70 | Community Federal Savings Bank Woodhaven, NY | 0.00% | $845.3M $100M to $1B |
| 71 | Modern Bank, N.A. New York, NY | 0.00% | $650.0M $100M to $1B |
| 72 | Cross County Savings Bank Middle Village, NY | 0.00% | $530.3M $100M to $1B |
| 73 | Piermont Bank New York, NY | 0.00% | $505.8M $100M to $1B |
| 74 | Champlain National Bank Elizabethtown, NY | 0.00% | $502.8M $100M to $1B |
| 75 | Wallkill Valley Federal Savings and Loan Association Wallkill, NY | 0.00% | $481.2M $100M to $1B |
| 76 | The Delaware National Bank of Delhi Delhi, NY | 0.00% | $381.5M $100M to $1B |
| 77 | Abacus Federal Savings Bank New York, NY | 0.00% | $325.0M $100M to $1B |
| 78 | American Community Bank Glen Cove, NY | 0.00% | $314.7M $100M to $1B |
| 79 | The Upstate National Bank Ogdensburg, NY | 0.00% | $289.3M $100M to $1B |
| 80 | Alpine Capital Bank New York, NY | 0.00% | $239.6M $100M to $1B |
| 81 | First Federal Savings of Middletown Middletown, NY | 0.00% | $189.9M $100M to $1B |
| 82 | The Putnam County National Bank of Carmel Carmel, NY | 0.00% | $186.8M $100M to $1B |
| 83 | Eastbank, N.A. New York, NY | 0.00% | $164.1M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 83 banks headquartered in New York that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in New York has the highest commercial real estate noncurrent rate?
Industrial and Commercial Bank of China (USA), N.A. has the highest commercial real estate noncurrent rate of the 83 ranked banks headquartered in New York, at 13.04% as of September 30, 2026, according to its FFIEC call report. Goldman Sachs Bank USA ranks second at 10.03%. The median is 0.50%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other New York rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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