Asset Quality ranking · New York · Call report data as of September 30, 2026
New York Banks: Highest Multifamily Delinquency
Flagstar Bank, N.A. has the highest multifamily noncurrent rate of the 66 ranked banks headquartered in New York, at 8.38% as of September 30, 2026. The median among the 66 ranked New York banks is 0.06%, against 0.00% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.59%). 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 multifamily noncurrent rate. For the largest banks headquartered in New York, see largest banks in New York.
- No. 1 in New York
- Flagstar Bank
- Its Multifamily noncurrent
- 8.38%
- New York median
- 0.06%
- Banks ranked
- 66
Ranked among banks headquartered in New York, numbered 1 to 66 within the state from the same population as the national list. Browse every bank in the New York bank directory.
Top 66 New York banks by multifamily noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the New York median of 0.06%. Missing values show as a dash and sort last.
| 1 | Flagstar Bank, N.A. Hicksville, NY | 8.38% | $87.41B $10B to $100B |
| 2 | Pathfinder Bank Oswego, NY | 8.33% | $1.48B $1B to $10B |
| 3 | Metropolitan Commercial Bank New York, NY | 7.10% | $9.47B $1B to $10B |
| 4 | The Canandaigua National Bank and Trust Company Canandaigua, NY | 6.39% | $5.53B $1B to $10B |
| 5 | Modern Bank, N.A. New York, NY | 5.99% | $650.0M $100M to $1B |
| 6 | Carver Federal Savings Bank New York, NY | 5.81% | $662.8M $100M to $1B |
| 7 | Sawyer Savings Bank Saugerties, NY | 4.98% | $280.5M $100M to $1B |
| 8 | Amalgamated Bank New York, NY | 4.74% | $9.73B $1B to $10B |
| 9 | Amerasia Bank Flushing, NY | 4.01% | $1.08B $1B to $10B |
| 10 | Industrial and Commercial Bank of China (USA), N.A. New York, NY | 3.73% | $2.79B $1B to $10B |
| 11 | TrustCo Bank Glenville, NY | 3.69% | $6.49B $1B to $10B |
| 12 | Ridgewood Savings Bank Ridgewood, NY | 2.52% | $7.57B $1B to $10B |
| 13 | Goldman Sachs Bank USA New York, NY | 2.43% | $789.72B $100B and over |
| 14 | Habib American Bank New York, NY | 2.20% | $3.03B $1B to $10B |
| 15 | Tioga State Bank, N.A. Spencer, NY | 2.10% | $628.7M $100M to $1B |
| 16 | Tompkins Bank & Trust Ithaca, NY | 2.05% | $8.97B $1B to $10B |
| 17 | Dime Commercial Bank Bridgehampton, NY | 1.68% | $15.54B $10B to $100B |
| 18 | Morgan Stanley Private Bank, N.A. Purchase, NY | 1.33% | $258.63B $100B and over |
| 19 | Champlain National Bank Elizabethtown, NY | 1.08% | $502.8M $100M to $1B |
| 20 | Ponce Bank, N.A. Bronx, NY | 1.06% | $3.67B $1B to $10B |
| 21 | Esquire Bank, N.A. Jericho, NY | 0.97% | $4.80B $1B to $10B |
| 22 | Chemung Canal Trust Company, N.A. Elmira, NY | 0.65% | $2.85B $1B to $10B |
| 23 | NBT Bank, N.A. Norwich, NY | 0.64% | $16.27B $10B to $100B |
| 24 | BTG Pactual Bank, N.A. New York, NY | 0.58% | $1.22B $1B to $10B |
| 25 | Community Federal Savings Bank Woodhaven, NY | 0.51% | $845.3M $100M to $1B |
| 26 | Maspeth Federal Savings and Loan Association Maspeth, NY | 0.48% | $2.22B $1B to $10B |
| 27 | Manufacturers and Traders Trust Company Buffalo, NY | 0.37% | $219.99B $100B and over |
| 28 | Popular Bank New York, NY | 0.35% | $15.14B $10B to $100B |
| 29 | Ulster Savings Bank Kingston, NY | 0.16% | $1.38B $1B to $10B |
| 30 | Five Star Bank Rochester, NY | 0.13% | $6.47B $1B to $10B |
| 31 | Community Bank, N.A. Canton, NY | 0.08% | $17.47B $10B to $100B |
| 32 | Hanover Community Bank Garden City Park, NY | 0.08% | $2.44B $1B to $10B |
| 33 | The Lyons National Bank Lyons, NY | 0.07% | $2.21B $1B to $10B |
| 34 | Arrow Bank N.A. Glens Falls, NY | 0.05% | $5.52B $1B to $10B |
| 35 | The Bank of New York Mellon New York, NY | 0.00% | $392.89B $100B and over |
| 36 | Deutsche Bank Trust Company Americas New York, NY | 0.00% | $42.45B $10B to $100B |
| 37 | Apple Bank New York, NY | 0.00% | $19.96B $10B to $100B |
| 38 | Israel Discount Bank of New York New York, NY | 0.00% | $14.54B $10B to $100B |
| 39 | Safra National Bank of New York New York, NY | 0.00% | $13.53B $10B to $100B |
| 40 | Woori America Bank New York, NY | 0.00% | $4.35B $1B to $10B |
| 41 | Bank of Greene Catskill, NY | 0.00% | $3.24B $1B to $10B |
| 42 | Orange Bank & Trust Company Middletown, NY | 0.00% | $2.73B $1B to $10B |
| 43 | Interaudi Bank New York, NY | 0.00% | $2.67B $1B to $10B |
| 44 | Pioneer Bank, N.A. Albany, NY | 0.00% | $2.57B $1B to $10B |
| 45 | Northeast Community Bank White Plains, NY | 0.00% | $2.21B $1B to $10B |
| 46 | Shinhan Bank America New York, NY | 0.00% | $2.17B $1B to $10B |
| 47 | The Adirondack Trust Company Saratoga Springs, NY | 0.00% | $1.75B $1B to $10B |
| 48 | Alma Bank Astoria, NY | 0.00% | $1.61B $1B to $10B |
| 49 | Rhinebeck Bank Rhinebeck, NY | 0.00% | $1.51B $1B to $10B |
| 50 | Ballston Spa National Bank Ballston Spa, NY | 0.00% | $1.38B $1B to $10B |
| 51 | Solvay Bank Solvay, NY | 0.00% | $1.23B $1B to $10B |
| 52 | First Central Savings Bank Glen Cove, NY | 0.00% | $1.09B $1B to $10B |
| 53 | Walden Savings Bank Montgomery, NY | 0.00% | $1.04B $1B to $10B |
| 54 | Watertown Savings Bank Watertown, NY | 0.00% | $983.0M $100M to $1B |
| 55 | Lake Shore Bank Dunkirk, NY | 0.00% | $733.5M $100M to $1B |
| 56 | First National Bank of Scotia Scotia, NY | 0.00% | $723.9M $100M to $1B |
| 57 | Spring Bank Bronx, NY | 0.00% | $628.4M $100M to $1B |
| 58 | Empire State Bank Staten Island, NY | 0.00% | $596.3M $100M to $1B |
| 59 | Cross County Savings Bank Middle Village, NY | 0.00% | $530.3M $100M to $1B |
| 60 | Piermont Bank New York, NY | 0.00% | $505.8M $100M to $1B |
| 61 | Alden State Bank Alden, NY | 0.00% | $464.0M $100M to $1B |
| 62 | American Community Bank Glen Cove, NY | 0.00% | $314.7M $100M to $1B |
| 63 | The Upstate National Bank Ogdensburg, NY | 0.00% | $289.3M $100M to $1B |
| 64 | First Federal Savings of Middletown Middletown, NY | 0.00% | $189.9M $100M to $1B |
| 65 | Eastbank, N.A. New York, NY | 0.00% | $164.1M $100M to $1B |
| 66 | United Orient Bank New York, NY | 0.00% | $103.7M $100M to $1B |
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Definition and formula
The multifamily noncurrent rate is the share of a bank's multifamily loans, mortgages on apartment buildings with five or more units, that are on nonaccrual or 90 or more days past due and still accruing.
Multifamily noncurrent rate = (Multifamily loans on nonaccrual + Multifamily loans 90+ days past due and still accruing) / Multifamily loans
The glossary entry for Multifamily Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 66 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 multifamily 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 multifamily noncurrent rate
The rate rises when apartment owners cannot cover their debt service, most often when a loan written at a low fixed rate comes up for refinancing at a higher one, or when rent limits or new supply hold rents below rising costs. It falls as the bank restructures, sells or charges off problem loans. Most banks report no noncurrent multifamily loans at all, so a single large building can put a bank near the top of this list; read the rate beside the dollar amounts on the bank's asset quality page.
Frequently asked questions
Which bank in New York has the highest multifamily noncurrent rate?
Flagstar Bank, N.A. has the highest multifamily noncurrent rate of the 66 ranked banks headquartered in New York, at 8.38% as of September 30, 2026, according to its FFIEC call report. Pathfinder Bank ranks second at 8.33%. The median is 0.06%.
What is the median multifamily noncurrent rate among ranked US banks?
As of Q3 2026, multifamily noncurrent rate for the middle half of the 1,233 ranked US banks ran from 0.00% to 0.04%, and the median was 0.00%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Multifamily Real Estate Loans glossary entry.
How is the multifamily noncurrent rate calculated?
Multifamily noncurrent rate = (Multifamily loans on nonaccrual + Multifamily loans 90+ days past due and still accruing) / Multifamily loans. Each bank charter is ranked on its own; holding companies are not combined. See the Multifamily 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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