Updated April 2026 · FDIC Call Report Q2 2024

C-Rated Banks in New York

26 banks · Average score: 58/100 · Combined assets $231.4B

26 banks in this state currently hold C grades, averaging a composite score of 58/100. 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 3.79% and an NPL ratio of 0.75%, sourced from the most recent FDIC quarterly Call Report.

26 New York banks hold a C grade, averaging 58/100. C-grade banks track close to peer medians — neither standouts nor distressed, but with less cushion against credit-cycle pressure than A-or-B-grade peers.

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

A B C D F

What "C" Means in Practice

C-graded banks in New York are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 26 banks chartered in New York carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.

For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.

Tier-Wide Snapshot in New York

Banks in this grade tier	26
Combined assets	$231.4B
Average composite score	58/100
Average Tier 1 capital ratio	3.79%
Average NPL ratio	0.75%

All C-Graded Banks in New York

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Massena Savings&Loan	Massena	64	$187M	22.21%	1.36%	7.13%
2	Hanover Community Bank	Garden City Park	64	$2.3B	12.78%	0.78%	10.47%
3	Bank of Utica	Utica	62	$1.3B	0.00%	0.52%	88.99%
4	Industrial&Commercial Bk Chi	New York	62	$2.9B	16.37%	1.65%	3.01%
5	Jeff Bank	Jeffersonville	62	$684M	0.00%	0.42%	44.97%
6	Watertown Savings Bank	Watertown	61	$912M	0.00%	0.68%	33.04%
7	Alma Bank	Astoria	61	$1.4B	12.23%	0.95%	11.29%
8	Piermont Bank	New York	61	$551M	13.90%	4.86%	35.66%
9	Ballston Spa National Bank	Ballston Spa	61	$858M	10.26%	0.26%	10.50%
10	Wsb Municipal Bank	Watertown	61	$147M	0.00%	0.00%	98.84%
11	Solvay Bank	Solvay	60	$1.2B	0.00%	0.04%	34.93%
12	Putnam County Nb of Carmel	Carmel	58	$169M	0.00%	0.56%	27.60%
13	Bank of East Asia Ltd	New York	57	$3.9B	0.00%	0.00%	31.72%
14	Metropolitan Bank&Trust Co	New York	57	$34M	0.00%	0.00%	78.24%
15	Allied Irish Banks	New York	57	$1.4B	0.00%	0.00%	47.89%
16	Standard Chartered Bank Plc	New York	57	$58.9B	0.00%	0.00%	66.67%
17	Mashreqbank Psc	New York	57	$3.6B	0.00%	0.00%	52.36%
18	First Nb of Dryden	Dryden	56	$221M	0.00%	1.55%	57.04%
19	Flagstar Bank National Assn	Hicksville	55	$119.0B	10.84%	3.05%	24.82%
20	Bank of India	New York	55	$6.3B	0.00%	0.00%	27.70%
21	Champlain National Bank	Elizabethtown	55	$476M	0.00%	0.15%	26.15%
22	Genesee Regional Bank	Rochester	52	$1.2B	0.00%	0.09%	21.69%
23	Banco Bilbao Vizcaya Sa	New York City	52	$22.5B	0.00%	0.00%	25.21%
24	Newbank	Flushing	52	$654M	0.00%	2.11%	39.15%
25	Delaware Nb of Delhi	Delhi	52	$363M	0.00%	0.35%	25.06%
26	First Fs of Middletown	Middletown	51	$173M	0.00%	0.00%	15.84%

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

How many C-graded banks are in New York?

What does this tier look like financially?

Across 26 C-graded banks in New York, the average Tier 1 capital ratio is 3.79% and the average nonperforming-loan ratio is 0.75%. Combined assets in this cohort total $231.4B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at C-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 C 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 · 26 C-graded banks in New York. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.