Updated April 2026 · FDIC Call Report Q2 2024
Banks in New York, New York
44 FDIC-insured banks call New York home, with $1.2T in combined assets. The local cohort posts an average Bank Health Score of 69/100 against a Tier 1 capital ratio of 20.82% and an NPL ratio of 0.73%.
New York, New York hosts 44 FDIC-insured banks headquartered locally, with an average BankHealth composite score of 69/100. The largest local bank by assets is Mizuho Bank USA. City-level banking concentration reflects historical headquarters geography. Many U.S. cities host community banks chartered specifically for local commercial-lending needs, alongside branch operations of national banks that don't appear in the headquartered-here count.
For local depositors, the BankHealth grade is most useful as a triage signal across the locally-headquartered options. Branch-only banks (headquartered elsewhere) appear on the per-bank pages of their parent institution rather than on this city page.
New York's Banking Market
New York is a major banking hub by U.S. standards, with 44 FDIC-insured institutions chartered or headquartered locally. Concentrations of this size typically include a mix of large regional banks, mid-size commercial banks, and community institutions, often serving both local depositors and broader regional or national customer bases.
Banks in New York post an average Bank Health Score of 69/100, around the C/B boundary. 34% of local banks earn A grades, while 18% land in D or F territory. The variation across institutions is larger than at the cohort level — choosing the right bank in this market matters more than picking by reputation.
Local risk indicators look benign: the average New York bank posts 20.82% Tier 1 capital and a 0.73% NPL ratio. Both readings are consistent with conservatively run institutions; quarter-to-quarter movement is worth monitoring on individual bank pages.
New York Banking Snapshot
| Banks headquartered or chartered locally | 44 |
| Combined assets | $1.2T |
| Average Bank Health Score | 69/100 |
| Average Tier 1 capital ratio | 20.82% |
| Average NPL ratio | 0.73% |
| Average liquidity ratio | 41.79% |
| Grade distribution (A · B · C · D · F) | 15 · 13 · 8 · 5 · 3 |
All Banks in New York
| # | Bank | Grade | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Mizuho Bank USA | A | 100 | $6.0B | 23.00% | 0.00% | 49.45% |
| 2 | Bessemer Trust Co NA | A | 100 | $2.7B | 21.81% | 0.00% | 48.17% |
| 3 | Alpine Capital Bank | A | 100 | $194M | 57.19% | 0.00% | 75.73% |
| 4 | Emigrant Mercantile Bank | A | 100 | $3M | 425.61% | 0.00% | 100.00% |
| 5 | Safra Nb of New York | A | 98 | $10.0B | 27.23% | 0.01% | 59.88% |
| 6 | Deutsche Bank Tr Co Americas | A | 94 | $40.6B | 52.76% | 0.70% | 38.61% |
| 7 | Amalgamated Bank | A | 93 | $8.3B | 14.34% | 0.80% | 41.41% |
| 8 | Bank of New York Mellon | A | 93 | $351.8B | 16.14% | 0.58% | 75.54% |
| 9 | M Y Safra Bank FSB | A | 92 | $395M | 19.41% | 0.00% | 30.19% |
| 10 | Interaudi Bank | A | 91 | $2.3B | 19.76% | 1.10% | 41.63% |
| 11 | Habib American Bank | A | 90 | $2.8B | 13.80% | 0.31% | 41.47% |
| 12 | Eastbank National Assn | A | 89 | $151M | 29.21% | 0.00% | 28.78% |
| 13 | Goldman Sachs Bank USA | A | 88 | $545.2B | 15.81% | 1.95% | 33.59% |
| 14 | Israel Discount Bank of Ny | A | 84 | $12.3B | 14.48% | 0.65% | 24.27% |
| 15 | Woori America Bank | A | 83 | $3.6B | 17.05% | 0.23% | 18.40% |
| 16 | Popular Bank | B | 78 | $14.3B | 13.38% | 0.53% | 21.36% |
| 17 | Abacus Federal Savings Bank | B | 77 | $326M | 29.88% | 0.56% | 15.45% |
| 18 | Metropolitan Commercial Bank | B | 72 | $7.3B | 11.80% | 0.53% | 16.53% |
| 19 | Grasshopper Bank N A | B | 72 | $836M | 10.86% | 0.19% | 22.25% |
| 20 | Apple Bank | B | 71 | $17.0B | 11.87% | 1.14% | 24.24% |
| 21 | Shinhan Bank America | B | 70 | $1.7B | 15.35% | 0.54% | 10.59% |
| 22 | Modern Bank National Assn | B | 69 | $847M | 13.19% | 2.67% | 26.20% |
| 23 | State Street B&T Co NA | B | 65 | $42M | 0.00% | 0.00% | 71.39% |
| 24 | Brown Brothers Harriman Tr N | B | 65 | $14M | 0.00% | 0.00% | 58.41% |
| 25 | Rockefeller Trust Co NA | B | 65 | $15M | 0.00% | 0.00% | 96.67% |
| 26 | Deutsche Bank Trust Co NA | B | 65 | $157M | 0.00% | 0.00% | 91.92% |
| 27 | Evercore Trust Co NA | B | 65 | $14M | 0.00% | 0.00% | 88.29% |
| 28 | Depository Trust Co | B | 65 | $5.7B | 0.00% | 0.00% | 97.29% |
| 29 | Industrial&Commercial Bk Chi | C | 62 | $2.9B | 16.37% | 1.65% | 3.01% |
| 30 | Piermont Bank | C | 61 | $551M | 13.90% | 4.86% | 35.66% |
| 31 | Bank of East Asia Ltd | C | 57 | $3.9B | 0.00% | 0.00% | 31.72% |
| 32 | Metropolitan Bank&Trust Co | C | 57 | $34M | 0.00% | 0.00% | 78.24% |
| 33 | Allied Irish Banks | C | 57 | $1.4B | 0.00% | 0.00% | 47.89% |
| 34 | Standard Chartered Bank Plc | C | 57 | $58.9B | 0.00% | 0.00% | 66.67% |
| 35 | Mashreqbank Psc | C | 57 | $3.6B | 0.00% | 0.00% | 52.36% |
| 36 | Bank of India | C | 55 | $6.3B | 0.00% | 0.00% | 27.70% |
| 37 | Bank of Baroda | D | 46 | $10.5B | 0.00% | 1.02% | 24.71% |
| 38 | Carver Federal Savings Bank | D | 44 | $749M | 11.67% | 3.43% | 12.72% |
| 39 | Neuberger Berman Trust Co NA | D | 40 | $27M | 0.00% | 0.00% | 0.00% |
| 40 | Bank of China | D | 39 | $41.3B | 0.00% | 3.00% | 60.40% |
| 41 | Bank Hapoalim B M | D | 37 | $8.9B | 0.00% | 1.95% | 21.88% |
| 42 | Industrial Bank of Korea | F | 34 | $372M | 0.00% | 0.00% | 6.58% |
| 43 | United Orient Bank | F | 30 | $94M | 0.00% | 0.94% | 9.36% |
| 44 | Global Bank | F | 25 | $246M | 0.00% | 2.62% | 12.18% |
For New York Depositors
FDIC insurance protects deposits at every bank on this list up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of where the bank is located or how it scores on this page. The Bank Health Score is a relative ranking of regulatory cushion, not a guarantee of safety. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making decisions.
For depositors who hold combined balances above $250,000 across multiple accounts at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement — affects coverage. Federal regulators publishing rules at the OCC and the FDIC update guidance periodically; FDIC.gov is the authoritative source.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F letter grade. Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.
Frequently Asked Questions
How many banks are in New York?
44 FDIC-insured banks are chartered or headquartered in New York, New York, holding $1.2T in combined assets. New York is a major banking hub by U.S. standards, with 44 FDIC-insured institutions chartered or headquartered locally. Concentrations of this size typically include a mix of large regional banks, mid-size commercial banks, and community institutions, often serving both local depositors and broader regional or national customer bases.
What is the average bank health score in New York?
Banks in New York post an average Bank Health Score of 69/100, around the C/B boundary. 34% of local banks earn A grades, while 18% land in D or F territory. The variation across institutions is larger than at the cohort level — choosing the right bank in this market matters more than picking by reputation. The local cohort averages a Tier 1 capital ratio of 20.82% and an NPL ratio of 0.73%.
Are banks in New York riskier than the national average?
Local risk indicators look benign: the average New York bank posts 20.82% Tier 1 capital and a 0.73% NPL ratio. Both readings are consistent with conservatively run institutions; quarter-to-quarter movement is worth monitoring on individual bank pages.
Are deposits at New York banks FDIC-insured?
Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Insurance is identical regardless of bank size or location. Verify your specific coverage at FDIC.gov, particularly if you hold balances above the $250,000 limit.
Where does this data come from?
All bank financials on this page are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula (Tier 1 capital 35%, NPL ratio 30%, liquidity 25%, ROA 10%). All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · Data covers 44 New York banks. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.