New York Bank Stress by County

New York reads elevated, above the national norm for bank stress — an average county score of 63/100, 10th-highest of 52 states and territories. Bank stress measures credit and balance-sheet pressure on the lenders financing a local market: when the banks behind it tighten, refinances stall and distressed supply builds — often months before listings show it.

Pressure peaks in Essex County at 75/100 and Ulster County. The ranking below orders every New York county by bank stress, each linking to its full distress profile.

With New York elevated, above the national norm, the useful move is to rank counties by lender strain and work down from the top.

22 New York counties sit at 65 or above (high stress), topping out at 100/100 — the markets most likely to seize up first.

Pairing New York lender strain with property records turns an abstract score into a working list of counties and parcels.

For buyers, the read is direct — as New York lenders tighten, builders lose credit, refinances collapse, and distressed exits multiply. So the signal arrives ahead of the listings it predicts.

Across 62 New York counties, DLRadar scores 182 banks from FDIC data, weighted by where each lends.

New York is rebuilt every quarter from fresh call reports, which is why its ranking moves with real financial change.

The nationwide model runs on FDIC filings and links through to individual parcels and their liens. That gives New York buyers an early, auditable read on supply, each number from public federal data.