Liquidity & Balance Sheet · New York
US Banks with Highest Loan-to-Deposit Ratio in New York
Ranked among banks headquartered in New York. Re-ranked 1-100 within the state from the same national ranking population.
#1 Loan-to-Deposit Ratio:MASPETH FEDERAL SAVINGS AND LOAN ASSOCIATION — 137.93% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
| # | Bank | HQ | US Banks with … | Total Assets |
|---|---|---|---|---|
| 1 | MASPETH FEDERAL SAVINGS AND LOAN ASSOCIATION | MASPETH , NY | 137.93% | $2.2B |
| 2 | FIRST FEDERAL SAVINGS OF MIDDLETOWN | MIDDLETOWN , NY | 136.01% | $186M |
| 3 | PONCE BANK, NATIONAL ASSOCIATION | BRONX , NY | 126.95% | $3.3B |
| 4 | MASSENA SAVINGS AND LOAN | MASSENA , NY | 121.44% | $201M |
| 5 | INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION | NEW YORK , NY | 119.47% | $2.9B |
| 6 | GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION | SYRACUSE , NY | 116.78% | $669M |
| 7 | UNITED ORIENT BANK | NEW YORK , NY | 116.44% | $104M |
| 8 | UPSTATE NATIONAL BANK, THE | OGDENSBURG , NY | 113.66% | $285M |
| 9 | NORTHEAST COMMUNITY BANK | WHITE PLAINS , NY | 111.55% | $2.0B |
| 10 | GLOBAL BANK | NEW YORK , NY | 110.86% | $280M |
| 11 | NORTH COUNTRY SAVINGS BANK, THE | CANTON , NY | 106.85% | $366M |
| 12 | SHINHAN BANK AMERICA | NEW YORK , NY | 104.51% | $2.0B |
| 13 | FIRST CENTRAL SAVINGS BANK | GLEN COVE , NY | 104.09% | $960M |
| 14 | ALMA BANK | ASTORIA , NY | 102.22% | $1.5B |
| 15 | EMPIRE STATE BANK | STATEN ISLAND , NY | 101.13% | $644M |
| 16 | CHEMUNG CANAL TRUST COMPANY | ELMIRA , NY | 99.65% | $2.7B |
| 17 | BALLSTON SPA NATIONAL BANK | BALLSTON SPA , NY | 98.46% | $942M |
| 18 | HANOVER COMMUNITY BANK | GARDEN CITY PARK , NY | 97.93% | $2.4B |
| 19 | PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE | CARMEL , NY | 97.60% | $173M |
| 20 | SAWYER SAVINGS BANK | SAUGERTIES , NY | 96.85% | $279M |
| 21 | ABACUS FEDERAL SAVINGS BANK | NEW YORK , NY | 96.49% | $319M |
| 22 | MODERN BANK, NATIONAL ASSOCIATION | NEW YORK , NY | 96.41% | $696M |
| 23 | The First National Bank of Long Island | Glen Head , NY | 95.86% | $4.1B |
| 24 | CARVER FEDERAL SAVINGS BANK | NEW YORK , NY | 95.33% | $676M |
| 25 | LAKE SHORE BANK | DUNKIRK , NY | 95.09% | $722M |
| 26 | POPULAR BANK | NEW YORK , NY | 94.97% | $15.0B |
| 27 | CATSKILL HUDSON BANK | MONTICELLO , NY | 94.65% | $526M |
| 28 | WALDEN SAVINGS BANK | MONTGOMERY , NY | 94.63% | $977M |
| 29 | SENECA SAVINGS BANK, NATIONAL ASSOCIATION | BALDWINSVILLE , NY | 93.87% | $316M |
| 30 | Evans Bank, National Association | Angola , NY | 93.67% | $2.2B |
| 31 | TRUSTCO BANK | GLENVILLE , NY | 93.59% | $6.5B |
| 32 | RONDOUT SAVINGS BANK | KINGSTON , NY | 93.13% | $510M |
| 33 | CARTHAGE SAVINGS AND LOAN, NATIONAL ASSOCIATION | CARTHAGE , NY | 92.59% | $308M |
| 34 | NORTHFIELD BANK | STATEN ISLAND , NY | 92.40% | $5.7B |
| 35 | AMERICAN COMMUNITY BANK | GLEN COVE , NY | 92.24% | $325M |
| 36 | BTG PACTUAL BANK, NATIONAL ASSOCIATION | NEW YORK , NY | 91.97% | $892M |
| 37 | FULTON SAVINGS BANK | FULTON , NY | 91.88% | $493M |
| 38 | PIONEER BANK, NATIONAL ASSOCIATION | ALBANY , NY | 91.35% | $2.2B |
| 39 | AMERASIA BANK | FLUSHING , NY | 91.24% | $1.0B |
| 40 | EASTBANK, NATIONAL ASSOCIATION | NEW YORK , NY | 91.15% | $146M |
| 41 | FLAGSTAR BANK, NATIONAL ASSOCIATION | HICKSVILLE , NY | 90.76% | $87.1B |
| 42 | GENERATIONS BANK | SENECA FALLS , NY | 90.53% | $347M |
| 43 | METROPOLITAN COMMERCIAL BANK | NEW YORK , NY | 90.40% | $8.8B |
| 44 | TOMPKINS COMMUNITY BANK | ITHACA , NY | 89.40% | $8.7B |
| 45 | CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE | CANANDAIGUA , NY | 88.01% | $5.5B |
| 46 | WOORI AMERICA BANK | NEW YORK , NY | 87.68% | $4.0B |
| 47 | CROSS COUNTY SAVINGS BANK | MIDDLE VILLAGE , NY | 87.41% | $538M |
| 48 | MORGAN STANLEY PRIVATE BANK, NATIONAL ASSOCIATION | PURCHASE , NY | 86.64% | $241.4B |
| 49 | FIVE STAR BANK | ROCHESTER , NY | 86.53% | $6.3B |
| 50 | GENESEE REGIONAL BANK | ROCHESTER , NY | 86.39% | $1.3B |
| 51 | FLUSHING BANK | UNIONDALE , NY | 86.37% | $8.9B |
| 52 | GRASSHOPPER BANK, N.A. | NEW YORK , NY | 86.11% | $1.5B |
| 53 | ULSTER SAVINGS BANK | KINGSTON , NY | 85.74% | $1.4B |
| 54 | ARROW BANK NATIONAL ASSOCIATION | GLENS FALLS , NY | 85.66% | $4.5B |
| 55 | ESQUIRE BANK, NATIONAL ASSOCIATION | JERICHO , NY | 85.55% | $2.4B |
| 56 | NEWBANK | FLUSHING , NY | 85.09% | $614M |
| 57 | APPLE BANK | NEW YORK , NY | 84.96% | $19.2B |
| 58 | RHINEBECK BANK | POUGHKEEPSIE , NY | 84.37% | $1.3B |
| 59 | DIME COMMUNITY BANK | BRIDGEHAMPTON , NY | 84.09% | $15.0B |
| 60 | WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION | WALLKILL , NY | 83.88% | $476M |
| 61 | MANUFACTURERS AND TRADERS TRUST COMPANY | BUFFALO , NY | 83.72% | $214.2B |
| 62 | SPRING BANK | BRONX , NY | 83.63% | $647M |
| 63 | PIERMONT BANK | NEW YORK , NY | 83.44% | $474M |
| 64 | NBT BANK, NATIONAL ASSOCIATION | NORWICH , NY | 83.13% | $16.1B |
| 65 | FIRST NATIONAL BANK OF SCOTIA | SCOTIA , NY | 82.60% | $706M |
| 66 | ORANGE BANK & TRUST COMPANY | MIDDLETOWN , NY | 82.58% | $2.7B |
| 67 | GOUVERNEUR SAVINGS AND LOAN ASSOCIATION | GOUVERNEUR , NY | 82.56% | $199M |
| 68 | MAPLE CITY SAVINGS BANK, FSB | HORNELL , NY | 82.39% | $123M |
| 69 | ISRAEL DISCOUNT BANK OF NEW YORK | NEW YORK , NY | 82.03% | $14.0B |
| 70 | RIDGEWOOD SAVINGS BANK | RIDGEWOOD , NY | 80.94% | $7.5B |
| 71 | LYONS NATIONAL BANK, THE | LYONS , NY | 80.88% | $2.1B |
| 72 | BANK OF HOLLAND | HOLLAND , NY | 80.58% | $256M |
| 73 | The National Bank of Coxsackie | Coxsackie , NY | 78.67% | $517M |
| 74 | ALDEN STATE BANK | ALDEN , NY | 78.26% | $452M |
| 75 | QUONTIC BANK | ASTORIA , NY | 76.46% | $853M |
| 76 | PCSB Bank | Brewster , NY | 75.72% | $2.1B |
| 77 | COMMUNITY BANK, NATIONAL ASSOCIATION | CANTON , NY | 74.14% | $17.4B |
| 78 | WATERTOWN SAVINGS BANK | WATERTOWN , NY | 74.00% | $970M |
| 79 | PATHFINDER BANK | OSWEGO , NY | 73.91% | $1.4B |
| 80 | CHAMPLAIN NATIONAL BANK | ELIZABETHTOWN , NY | 73.68% | $500M |
| 81 | HABIB AMERICAN BANK | NEW YORK , NY | 72.98% | $3.0B |
| 82 | DELAWARE NATIONAL BANK OF DELHI, THE | DELHI , NY | 71.16% | $408M |
| 83 | TIOGA STATE BANK, N.A. | SPENCER , NY | 68.90% | $640M |
| 84 | INTERAUDI BANK | NEW YORK , NY | 68.67% | $2.7B |
| 85 | CAYUGA LAKE NATIONAL BANK | UNION SPRINGS , NY | 68.29% | $281M |
| 86 | SOLVAY BANK | SOLVAY , NY | 67.43% | $1.2B |
| 87 | ALPINE CAPITAL BANK | NEW YORK , NY | 66.70% | $225M |
| 88 | CATTARAUGUS COUNTY BANK | LITTLE VALLEY , NY | 66.30% | $379M |
| 89 | ADIRONDACK BANK | UTICA , NY | 66.21% | $1.0B |
| 90 | ADIRONDACK TRUST COMPANY, THE | SARATOGA SPRINGS , NY | 65.68% | $1.8B |
| 91 | JEFF BANK | JEFFERSONVILLE , NY | 64.53% | $672M |
| 92 | BANK OF GREENE COUNTY, THE | CATSKILL , NY | 62.90% | $3.2B |
| 93 | AMALGAMATED BANK | NEW YORK , NY | 61.30% | $9.2B |
| 94 | FIRST NATIONAL BANK OF GROTON, THE | GROTON , NY | 57.41% | $212M |
| 95 | DEUTSCHE BANK TRUST COMPANY AMERICAS | NEW YORK , NY | 56.68% | $39.7B |
| 96 | FIRST NATIONAL BANK OF DRYDEN, THE | DRYDEN , NY | 54.04% | $211M |
| 97 | SAVANNAH BANK, N.A. | SAVANNAH , NY | 53.28% | $193M |
| 98 | COMMUNITY FEDERAL SAVINGS BANK | WOODHAVEN , NY | 52.87% | $849M |
| 99 | BANK OF RICHMONDVILLE | COBLESKILL , NY | 48.41% | $193M |
| 100 | GOLDMAN SACHS BANK USA | NEW YORK , NY | 47.92% | $751.8B |
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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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