County banking markets / NY / 36119
WestchesterNew York
FIPS 36119. 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 (1,011) and highly concentrated on deposits (6,118).
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
336 branch offices and 37 institutions in 1994; 249 and 31 in 2025. Deposits booked in the county went from $17.69B to $273.11B, 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 | Morgan Stanley Private Bank, National Association cert 34221 | $212.45B | 77.79% | 1 | 0.40% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $17.00B | 6.22% | 63 | 25.30% |
| 3 | Customers Bank cert 34444 | $10.31B | 3.78% | 1 | 0.40% |
| 4 | Citibank, National Association cert 7213 | $6.39B | 2.34% | 20 | 8.03% |
| 5 | Wells Fargo Bank, National Association cert 3511 | $4.59B | 1.68% | 24 | 9.64% |
| 6 | Emigrant Bank cert 57083 | $3.65B | 1.34% | 4 | 1.61% |
| 7 | Bank of America, National Association cert 3510 | $3.20B | 1.17% | 16 | 6.43% |
| 8 | TD Bank, National Association cert 18409 | $2.87B | 1.05% | 12 | 4.82% |
| 9 | Citizens Bank, National Association cert 57957 | $1.69B | 0.62% | 8 | 3.21% |
| 10 | Apple Bank cert 16068 | $1.36B | 0.50% | 6 | 2.41% |
| 11 | Manufacturers and Traders Trust Company cert 588 | $1.26B | 0.46% | 17 | 6.83% |
| 12 | Flagstar Bank, National Association cert 32541 | $1.03B | 0.38% | 6 | 2.41% |
| 13 | Valley National Bank cert 9396 | $907.2M | 0.33% | 7 | 2.81% |
| 14 | Webster Bank, National Association cert 18221 | $902.5M | 0.33% | 10 | 4.02% |
| 15 | Orange Bank & Trust Company cert 12944 | $892.7M | 0.33% | 6 | 2.41% |
| 16 | HSBC Bank USA, National Association cert 57890 | $838.2M | 0.31% | 1 | 0.40% |
| 17 | PCSB Bank cert 15995 | $822.8M | 0.30% | 9 | 3.61% |
| 18 | Capital One, National Association cert 4297 | $633.6M | 0.23% | 3 | 1.20% |
| 19 | KeyBank National Association cert 17534 | $516.4M | 0.19% | 9 | 3.61% |
| 20 | Tompkins Community Bank cert 609 | $487.5M | 0.18% | 5 | 2.01% |
| 21 | NorthEast Community Bank cert 29147 | $466.2M | 0.17% | 1 | 0.40% |
| 22 | TrustCo Bank cert 31945 | $192.6M | 0.07% | 9 | 3.61% |
| 23 | Ridgewood Savings Bank cert 16026 | $191.0M | 0.07% | 2 | 0.80% |
| 24 | ConnectOne Bank cert 57919 | $120.9M | 0.04% | 2 | 0.80% |
| 25 | The First Bank of Greenwich cert 58307 | $107.7M | 0.04% | 1 | 0.40% |
| 26 | Sunnyside Federal Savings and Loan Association of Irvington cert 28805 | $76.0M | 0.03% | 1 | 0.40% |
| 27 | OceanFirst Bank, National Association cert 28359 | $66.5M | 0.02% | 1 | 0.40% |
| 28 | Dime Community Bank cert 6976 | $57.7M | 0.02% | 1 | 0.40% |
| 29 | Patriot Bank, National Association cert 33928 | $36.7M | 0.01% | 1 | 0.40% |
| 30 | The Putnam County National Bank of Carmel cert 6990 | $4.5M | 0.00% | 1 | 0.40% |
| 31 | Wilmington Trust, National Association cert 34069 | $0K | 0.00% | 1 | 0.40% |
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.