Description: The Federal Reserve Bank of New York is responsible for gauging the anti-competitive effects resulting from changes in local banking market structure (including mergers and deposit-holding branch sales among bank and thrifts). We do this by noting changes in the Herfindahl-Hirschmann Index (HHI) and monitoring the share of deposits held by each top-tier holding company with a banking presence in each banking market. The FRBNY makes this information available in our market tables, which rank these parent holding companies by deposits. Currently, we oversee 21 markets in total: 15 in the New York area, 4 in Puerto Rico and 2 in the Virgin Islands.
To request market tables or further information about their applications, please contact: Kara Sulmasy.
The rest of this document will focus on their definitions. Contacts listed in the following pages will only address questions regarding deposit data and market definitions.
Oneonta |
Aguadilla Mayaguez Ponce San Juan & Culebra |
St. John & St. Thomas St. Croix |
Our terminology | Census Bureau equivalent |
Townships | Minor Civil Divsions (MCDs). |
Municipios | The same. This is equivalent to county-level geography in U.S. Municipios are Puerto Rico-specific geography. |
For questions and/or comments regarding these market definitions, please contact either of the following people in Research and Market Analysis Group:
Mei Kok
Chris Metli
Adrienne Rumble
Metropolitan NY-NJ-PA-CT Market
In New York State |
Full Counties | Bronx, Dutchess, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster, Westchester. |
In New Jersey State |
Full Counties | Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union, Warren. | |
Split County | ||
Mercer County |
Townships: East Windsor, Hightstown, Hopewell, Pennington, Princeton Borough, Princeton Township, West Windsor. Part of Township: Washington Township less city of Robbinsville. |
In Pennsylvania State |
Full Counties | Pike |
In Connecticut State |
Full Counties | Fairfield | |
Split County | ||
Litchfield County |
Townships: Bridgewater, Canaan, Kent, New Milford, Roxbury, Salisbury, Sharon. Cities: Cornwall Bridge, Falls Village, Lakeville, Marble Dale, New Preston, Washington Depot. |
|
New Haven County | Townships: Ansonia, Beacon Falls, Derby, Milford, Oxford, Seymour. |
In New York State |
Full Counties | Albany, Columbia, Fulton, Greene, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, Washington. |
In New York State |
Full Counties | Broome, Tioga. | |
Split County | ||
Chenango County |
Townships: Afton, Coventry, Greene, Smithville. |
In Pennsylvania State |
Split County | ||
Susquehanna County |
Townships: Apolacon, Bridgewater, Choconut, Forest Lake, Franklin, Friendsville, Great Bend, Harmony, Jackson, Jessup, Liberty, Middletown, New Milford, Oakland, Rush, Silver Lake, Thompson. Cities: Hallstead, Lanesboro, Little Meadows, Montrose, Susquehanna Depot. |
In New York State |
Full Counties | Erie, Niagara. | |
Split Counties | ||
Cattaraugus County |
Townships: Ashford, Dayton, East Otto, Farmersville, Freedom, Machias, Otto, Perrysburg, Persia, Yorkshire. Indian Reservation: Cattaraugus Indian Reservation. |
|
Orleans County | Townships: Ridgeway, Shelby, Yates. | |
Wyoming County | Townships: Arcade, Bennington, Eagle, Java, Orangeville, Sheldon, Wethersfield. |
In New York State |
Full Counties | Chemung. | |
Split County | ||
Allegany County |
Townships: Alfred, Andover, Independence. |
|
Schuyler County | Townships: Catharine, Cayuta, Dix, Orange, Montour, Reading, Tyrone. | |
Steuben County | Townships: Addison, Bath, Bradford, Cameron, Campbell, Canisteo, Caton, Corning, Erwin, Greenwood, Hartsville, Hornby, Jasper, Lindley, Rathbone, Thurston, Troupsburg, Tuscarora, Urbana, Wayne, West Union, Woodhull. |
In New York State |
Full Counties | Tompkins. | |
Split Counties | ||
Cortland County |
Townships: Cincinnatus, Freetown, Harford, Lapeer, Marathon, Virgin, Willet. |
|
Schuyler County | Township: Hector. |
In New York State |
Full Counties | Chautauqua. | |
Split County | ||
Cattaraugus County |
Townships: Cold Spring, Conewango, Leon, Napoli, Randolph, South Valley. Part of Township: New Albion Township less Cattaraugus Village. Indian Reservation: Allegany Indian Reservation. |
In New York State |
Allegany County |
Townships: Alma, Amity, Angelica, Belfast, Bolivar, Clarksville, Cuba, Friendship, Genesee, New Hudson, Scio, Ward, Wellsville, West Almond, Willing, Wirt. City: Cattaraugus Village (in New Albion Township). Indian Reservation: Oil Springs Reservation. |
|
Cattaraugus County |
Townships: Allegany, Carrollton, Ellicottville, Franklinville, Great Valley, Hindsdale, Humphrey, Ischua, Little Valley, Lyndon, Mansfield, Olean, Portville, Red House, Salamanca. |
In New York State |
Full Counties | Delaware, Otsego. | |
Split County | ||
Chenango County |
Townships: Bainbridge, Columbus, German, Guilford, Lincklaen, McDonough, New Berlin, North Norwich, Norwich, Otselic, Oxford, Pharsalia, Pitcher, Plymouth, Preston, Sherburne, Smyrna. |
In New York State |
Full Counties | Clinton, Essex. | |
Split County | ||
Franklin County |
Townships: Altamont, Bellmont, Brighton, Burke, Chateauguay, Constable, Duane, Franklin, Harrietstown, Malone. |
In New York State |
Full Counties | Genesee, Livingston, Monroe, Ontario, Seneca, Wayne, Yates. | |
Split County | ||
Allegany County |
Townships: Allen, Almond, Birdsall, Burns, Caneadea, Centerville, Granger, Grove, Hume, Rushford. |
|
Orleans County | Townships: Albion, Barre, Carlton, Clarendon, Gaines, Kendall, Murray. | |
Steuben County |
Townships: Avoca, Cohocton, Dansville, Fremont, Hornellsville, Howard, Prattsburg, Pulteney, Wayland, Wheeler. City: Hornell City. |
|
Wyoming County | Townships: Attica, Castile, Covington, Gainesville, Genesee Falls, Middlebury, Perry, Pike, Warsaw. |
In New York State |
Full Counties | St. Lawrence. | |
Split County | ||
Franklin County |
Townships: Bangor, Bombay, Brandon, Dickinson, Fort Covington, Moira, Santa Clara, Waverly, Westville. Indian Reservation: St. Regis Reservation. |
In New York State |
Full Counties | Cayuga, Onondaga, Oswego. | |
Split Counties | ||
Lewis County |
Townships: Cortlandville, Cuyler, Homer, Preble, Scott, Solon, Taylor, Truxton. City: Cortland City. |
|
Madison County | Townships: Cazenovia, DeRuyter, Eaton, Fenner, Georgetown, Lebanon, Lenox, Lincoln, Nelson, Smithfield, Sullivan. |
In New York State |
Full Counties | Herkimer, Oneida. | |
Split Counties | ||
Lewis County |
Townships: Grieg, Lewis, Leyden, Lyonsdale, Osceola, Turin, West Turin. |
|
Madison County |
Townships: Brookfield, Hamilton, Madison, Stockbridge. City: Oneida City. |
In New York State |
Full County | Jefferson. | |
Split County | ||
Lewis County |
Townships: Croghan, Denmark, Diana, Harrisburg, Lowville, Martinsburg, Montague, New Bremen, Pinckney, Watson. |
(Municipios are equivalent to Counties.)
(Municipios are equivalent to Counties.) |
Municipios included in Aguadilla MSA | Aguada, Aguadilla, Moca. | |
Other Municipios | Isabela, San Sebastian. |
(Municipios are equivalent to Counties.) |
Municipios included in Mayaguez MSA | Anasco, Cabo Rojo, Hormigueros, Mayaguez, Sabana Grande. | |
Other Municipios | Lajas, Las Marias, Maricao, Rincon. |
(Municipios are equivalent to Counties.) |
Municipios included in Ponce MSA | Guayanilla, Juana Diaz, Penuelas, Ponce, Villalba, Yauco. | |
Other Municipios | Adjuntos, Arroyo, Coamo, Guanica, Guayama, Patillas, Salinas, Santa Isabel. |
(Municipios are equivalent to Counties.) |
Municipios included in Arecibo MSA | Arecibo, Camuy, Hatillo. | |
Municipios included in Caguas MSA | Caguas, Cayey, Cidra, Gurabo, San Lorenzo. | |
Municipios included in San Juan MSA |
Aguas Buenas, Barceloneta, Bayamon, Canovanas, Carolina, Catano, Ceiba, Comerio, Corozal, Dorado, Fajardo, Florida, Guaynabo, Humacao, Juncos, Las Piedras, Loiza, Luquillo, Manati, Morovis, Naugabo, Naranjito, Rio Grande, San Juan, Toa Alta, Toa Baja, Trujillo Alto, Vega Alta, Vega Baja, Yabucoa. |
|
Other Municipios | Aibonito, Barranquitas, Ciales, Jayuya, Lares, Maunabo, Orocovis, Quebradillas, Utuado, Vieques. |
Culebra Municipio constitutes a separate banking market. Since it is a very small one, we have combined it into this market.
St. John and St. Thomas, VI Market
Full Counties | St. John, St. Thomas. |
Full Counties | St. Croix. |