Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in New York

44 banks · Average score: 91/100 · Combined assets $1.2T

44 banks in this state currently hold A grades, averaging a composite score of 91/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 39.51% and an NPL ratio of 0.50%, sourced from the most recent FDIC quarterly Call Report.

44 New York banks earn an A grade on the BankHealth composite, with an average score of 91/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks New York A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in New York are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 44 banks chartered in New York qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in New York

Banks in this grade tier	44
Combined assets	$1.2T
Average composite score	91/100
Average Tier 1 capital ratio	39.51%
Average NPL ratio	0.50%

All A-Graded Banks in New York

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Mizuho Bank USA	New York	100	$6.0B	23.00%	0.00%	49.45%
2	Bessemer Trust Co NA	New York	100	$2.7B	21.81%	0.00%	48.17%
3	Alpine Capital Bank	New York	100	$194M	57.19%	0.00%	75.73%
4	Emigrant Mercantile Bank	New York	100	$3M	425.61%	0.00%	100.00%
5	Gs&L Municipal Bank	Gouverneur	100	$31M	152.56%	0.00%	85.88%
6	Pioneer Commercial Bank	Albany	99	$494M	56.09%	0.00%	97.73%
7	Safra Nb of New York	New York	98	$10.0B	27.23%	0.01%	59.88%
8	Generations Commercial Bank	Seneca Falls	98	$19M	226.87%	0.00%	98.28%
9	Bank of Millbrook	Millbrook	97	$287M	23.08%	0.42%	53.81%
10	Fulton Savings Bank	Fulton	96	$464M	53.03%	0.65%	30.06%
11	Bank of Greene County	Catskill	95	$2.8B	15.86%	0.25%	43.67%
12	Morgan Stanley Private Bk NA	Purchase	95	$207.6B	26.91%	0.29%	29.67%
13	Bank of Richmondville	Cobleskill	94	$181M	25.84%	0.28%	48.47%
14	Greene Cnty Commercial Bank	Catskill	94	$1.1B	49.50%	0.00%	98.93%
15	Deutsche Bank Tr Co Americas	New York	94	$40.6B	52.76%	0.70%	38.61%
16	Adirondack Trust Co	Saratoga Springs	94	$1.6B	15.10%	0.25%	31.50%
17	Community FSB	Woodhaven	93	$780M	24.23%	1.12%	59.68%
18	Amalgamated Bank	New York	93	$8.3B	14.34%	0.80%	41.41%
19	Bank of New York Mellon	New York	93	$351.8B	16.14%	0.58%	75.54%
20	M Y Safra Bank FSB	New York	92	$395M	19.41%	0.00%	30.19%
21	Bank of Cattaraugus	Cattaraugus	92	$29M	17.72%	0.93%	43.78%
22	Savannah Bank National Assn	Savannah	91	$172M	16.38%	0.48%	45.21%
23	Interaudi Bank	New York	91	$2.3B	19.76%	1.10%	41.63%
24	Habib American Bank	New York	90	$2.8B	13.80%	0.31%	41.47%
25	Eastbank National Assn	New York	89	$151M	29.21%	0.00%	28.78%
26	Sunnyside Fs&la of Irvington	Irvington	89	$91M	22.14%	0.14%	35.85%
27	Goldman Sachs Bank USA	New York	88	$545.2B	15.81%	1.95%	33.59%
28	Esquire Bank National Assn	Jericho	88	$1.7B	14.89%	0.87%	23.70%
29	Orange Bank&Trust Co	Middletown	87	$2.5B	13.84%	0.92%	26.41%
30	Gouverneur Savings&Loan Assn	Gouverneur	87	$195M	23.01%	0.41%	25.57%
31	Walden Savings Bank	Montgomery	86	$898M	14.82%	0.55%	24.47%
32	Adirondack Bank	Utica	86	$956M	16.55%	1.23%	29.71%
33	National Bank of Coxsackie	Coxsackie	86	$534M	15.57%	0.49%	25.68%
34	Pioneer Bank National Assn	Albany	85	$1.9B	18.40%	0.66%	22.90%
35	Israel Discount Bank of Ny	New York	84	$12.3B	14.48%	0.65%	24.27%
36	Citizens Nb of Hammond	Hammond	83	$27M	16.26%	0.07%	19.26%
37	Woori America Bank	New York	83	$3.6B	17.05%	0.23%	18.40%
38	Ponce Bank	Bronx	83	$2.8B	21.24%	0.89%	23.27%
39	Cayuga Lake National Bank	Union Springs	83	$285M	15.05%	1.50%	30.54%
40	Community Bank National Assn	Canton	83	$15.7B	11.82%	0.50%	27.19%
41	Tioga Stb NA	Spencer	83	$589M	19.47%	2.19%	30.71%
42	Amerasia Bank	Flushing	82	$865M	18.84%	0.00%	12.21%
43	Bank of Holland	Holland	80	$236M	13.52%	0.35%	19.91%
44	Lyons National Bank	Lyons	80	$2.0B	12.12%	0.26%	23.50%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank 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 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in New York?

What does this tier look like financially?

Across 44 A-graded banks in New York, the average Tier 1 capital ratio is 39.51% and the average nonperforming-loan ratio is 0.50%. Combined assets in this cohort total $1.2T. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials 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 using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in New York →All grade A banks nationwide →Healthiest Banks →Methodology →

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 · 44 A-graded banks in New York. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.