County banking markets / NY / 36085
RichmondNew York
FIPS 36085. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 62 counties in New York’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,044) and unconcentrated on deposits (1,327).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
78 branch offices and 15 institutions in 1994; 92 and 16 in 2025. Deposits booked in the county went from $5.00B to $18.50B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association cert 628 | $4.02B | 21.75% | 12 | 13.04% |
| 2 | Flagstar Bank, National Association cert 32541 | $2.93B | 15.86% | 15 | 16.30% |
| 3 | Santander Bank, N.A. cert 29950 | $2.81B | 15.19% | 14 | 15.22% |
| 4 | TD Bank, National Association cert 18409 | $2.12B | 11.45% | 7 | 7.61% |
| 5 | Citibank, National Association cert 7213 | $1.93B | 10.42% | 6 | 6.52% |
| 6 | Northfield Bank cert 28710 | $1.78B | 9.64% | 12 | 13.04% |
| 7 | Dime Community Bank cert 6976 | $781.2M | 4.22% | 1 | 1.09% |
| 8 | Bank of America, National Association cert 3510 | $570.9M | 3.09% | 4 | 4.35% |
| 9 | Citizens Bank, National Association cert 57957 | $376.3M | 2.03% | 5 | 5.43% |
| 10 | Empire State Bank cert 57672 | $322.4M | 1.74% | 4 | 4.35% |
| 11 | Apple Bank cert 16068 | $236.8M | 1.28% | 1 | 1.09% |
| 12 | Israel Discount Bank of New York cert 19977 | $212.6M | 1.15% | 1 | 1.09% |
| 13 | Manufacturers and Traders Trust Company cert 588 | $196.4M | 1.06% | 4 | 4.35% |
| 14 | BCB Community Bank cert 35541 | $123.5M | 0.67% | 3 | 3.26% |
| 15 | Valley National Bank cert 9396 | $43.1M | 0.23% | 2 | 2.17% |
| 16 | Kearny Bank cert 28765 | $39.1M | 0.21% | 1 | 1.09% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to New York, or read the methodology for the two HHI constructions and what they cannot tell you.