Updated April 2026 · FDIC Call Report Q2 2024

B-Rated Banks in New York

41 banks · Average score: 72/100 · Combined assets $333.0B

41 banks in this state currently hold B grades, averaging a composite score of 72/100. 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 12.31% and an NPL ratio of 0.67%, sourced from the most recent FDIC quarterly Call Report.

41 New York banks hold a B grade (72/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.

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 B-grade banks by health score with links to each bank's full profile.

A B C D F

What "B" Means in Practice

B-graded banks in New York are healthy mid-tier institutions — composite scores of 65–79. Currently 41 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.

For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.

Tier-Wide Snapshot in New York

Banks in this grade tier	41
Combined assets	$333.0B
Average composite score	72/100
Average Tier 1 capital ratio	12.31%
Average NPL ratio	0.67%

All B-Graded Banks in New York

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Carthage S&L NA	Carthage	79	$301M	25.52%	0.18%	17.52%
2	Trustco Bank	Glenville	79	$6.1B	18.53%	0.38%	15.36%
3	Pathfinder Bank	Oswego	79	$1.4B	14.82%	2.76%	32.88%
4	Popular Bank	New York	78	$14.3B	13.38%	0.53%	21.36%
5	Chemung Canal Trust Co	Elmira	78	$2.8B	11.93%	0.41%	22.64%
6	Abacus Federal Savings Bank	New York	77	$326M	29.88%	0.56%	15.45%
7	Manufacturers&Traders Tr Co	Buffalo	77	$208.4B	12.16%	1.72%	26.56%
8	Upstate National Bank	Ogdensburg	76	$287M	15.27%	0.09%	16.45%
9	Cross County Savings Bank	Middle Village	76	$539M	18.99%	0.65%	16.34%
10	Maple City Savings Bank FSB	Hornell	75	$128M	13.66%	0.53%	19.28%
11	Wallkill Valley Fs&La	Wallkill	75	$451M	12.83%	0.35%	19.69%
12	Nbt Bank National Assn	Norwich	75	$13.4B	11.75%	0.39%	18.88%
13	Sawyer Savings Bank	Saugerties	74	$291M	15.30%	0.91%	16.28%
14	Glens Falls Nb&T Co	Glens Falls	74	$3.3B	13.13%	0.81%	17.92%
15	Ulster Savings Bank	Kingston	73	$1.3B	13.11%	0.39%	17.56%
16	Flushing Bank	Uniondale	73	$9.1B	12.47%	0.51%	19.51%
17	Tompkins Community Bank	Ithaca	73	$7.8B	11.66%	1.08%	21.73%
18	Canandaigua Nb&T Co	Canandaigua	73	$4.9B	11.18%	0.77%	21.56%
19	Saratoga National Bank&Trust	Saratoga Springs	72	$1.1B	12.21%	0.18%	13.89%
20	Northeast Community Bank	White Plains	72	$1.9B	13.37%	0.26%	7.59%
21	Metropolitan Commercial Bank	New York	72	$7.3B	11.80%	0.53%	16.53%
22	Grasshopper Bank N A	New York	72	$836M	10.86%	0.19%	22.25%
23	Evans Bank National Assn	Angola	72	$2.3B	14.37%	1.42%	17.37%
24	Dime Community Bank	Hauppauge	72	$13.5B	13.36%	0.37%	13.43%
25	First Nb of Scotia	Scotia	71	$665M	12.31%	1.44%	20.51%
26	Rhinebeck Bank	Rhinebeck	71	$1.3B	12.59%	0.44%	16.36%
27	Apple Bank	New York	71	$17.0B	11.87%	1.14%	24.24%
28	Cattaraugus County Bank	Little Valley	70	$368M	13.68%	3.55%	32.29%
29	Rondout Savings Bank	Kingston	70	$545M	13.31%	0.26%	14.06%
30	North Country Savings Bank	Canton	70	$327M	22.56%	0.30%	5.29%
31	Shinhan Bank America	New York	70	$1.7B	15.35%	0.54%	10.59%
32	Modern Bank National Assn	New York	69	$847M	13.19%	2.67%	26.20%
33	Empire State Bank	Staten Island	68	$652M	13.81%	0.23%	10.08%
34	Catskill Hudson Bank	Monticello	66	$550M	11.30%	0.16%	16.71%
35	State Street B&T Co NA	New York	65	$42M	0.00%	0.00%	71.39%
36	Brown Brothers Harriman Tr N	New York	65	$14M	0.00%	0.00%	58.41%
37	Rockefeller Trust Co NA	New York	65	$15M	0.00%	0.00%	96.67%
38	Deutsche Bank Trust Co NA	New York	65	$157M	0.00%	0.00%	91.92%
39	First Central Savings Bank	Glen Cove	65	$986M	13.35%	0.75%	9.38%
40	Evercore Trust Co NA	New York	65	$14M	0.00%	0.00%	88.29%
41	Depository Trust Co	New York	65	$5.7B	0.00%	0.00%	97.29%

For Depositors at B-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 B grade mean for a bank?

How many B-graded banks are in New York?

What does this tier look like financially?

Across 41 B-graded banks in New York, the average Tier 1 capital ratio is 12.31% and the average nonperforming-loan ratio is 0.67%. Combined assets in this cohort total $333.0B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at B-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 B 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 · 41 B-graded banks in New York. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.