If you are shopping an SBA 7(a) or conventional commercial loan in New York, the bank you call first matters more than most borrowers think. A lender that already writes a lot of commercial credit and sits in your state is structurally likelier to say yes than a national name passing through. This page ranks the New York-headquartered banks doing the most commercial lending right now, using public Q1 2026 FFIEC call-report data. It is the open-book version of what the paid report does with far more inputs.
Outside Manhattan's global banks, upstate New York runs on community and regional lenders that finance the manufacturing and farm economy Wall Street forgets exists.
The 15 most active commercial lenders in New York
Ranked by commercial and industrial (C&I) loans outstanding, Q1 2026. Bank names link to the live BankingLens scorecard.
| # | Bank | City | Assets | C&I share | ROA | Fit notes |
|---|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | Buffalo | $214.2B | 24.1% | 1.27% | National-scale lender, an active C&I book. |
| 2 | Goldman Sachs Bank USA | New York | $751.8B | 13.9% | 1.12% | Coast-to-coast balance sheet, a steady commercial book. |
| 3 | Flagstar Bank | Hicksville | $87.1B | 17.9% | 0.10% | National-scale lender, a steady commercial book. CRE-heavy book. |
| 4 | Apple Bank | New York | $19.2B | 21.2% | 0.27% | Large regional lender, an active C&I book. CRE-heavy book. |
| 5 | Israel Discount Bank of New York | New York | $14.0B | 28.7% | 0.74% | Large multi-state regional, an active C&I book. CRE-heavy book. |
| 6 | Deutsche Bank Trust Company Americas | New York | $39.7B | 15.8% | 0.84% | Large regional lender, a steady commercial book. |
| 7 | Safra National Bank of New York | New York | $12.2B | 46.5% | 0.94% | Large multi-state regional, heavy C&I concentration. Built for commercial deals. |
| 8 | Nbt Bank | Norwich | $16.1B | 12.5% | 1.18% | Large regional lender, a steady commercial book. |
| 9 | Esquire Bank | Jericho | $2.4B | 69.8% | 2.33% | Community bank, heavy C&I concentration. Top-decile returns. |
| 10 | Amalgamated Bank | New York | $9.2B | 25.1% | 1.15% | Regional commercial bank, an active C&I book. |
| 11 | Industrial and Commercial Bank of China (USA) | New York | $2.9B | 39.8% | 0.52% | Community bank, heavy C&I concentration. Built for commercial deals. |
| 12 | Metropolitan Commercial Bank | New York | $8.8B | 12.8% | 1.53% | Regional commercial bank, a steady commercial book. Top-decile returns. |
| 13 | Tompkins Community Bank | Ithaca | $8.7B | 12.1% | 1.31% | Mid-size regional, a steady commercial book. CRE-heavy book. |
| 14 | Five Star Bank | Rochester | $6.3B | 13.1% | 1.42% | Regional commercial bank, a steady commercial book. CRE-heavy book. |
| 15 | Woori America Bank | New York | $4.0B | 16.5% | 0.38% | Mid-size regional, a steady commercial book. CRE-heavy book. |
Assets and ratios are Q1 2026 FFIEC call-report figures. ROA is annualized return on assets. A bank's headquarters city is shown; many lend statewide and beyond.
C&I lending muscle, ranked
Commercial and industrial loans outstanding for the top 10 New York-HQ lenders, Q1 2026. This is the single number our ranking leans on hardest.
How we ranked these
Three steps, all of them transparent. First, we took every bank headquartered in New York. Second, we kept only banks whose commercial and industrial (C&I) loans are at least 10 percent of the loan book (a bank that is 90 percent home mortgages is not your SBA lender, regardless of size). Of the qualifying banks, 41 cleared that bar. Third, we ranked them by C&I loan dollars outstanding, which already blends balance-sheet size with how committed a bank is to commercial credit, and kept the top 15.
This is an honest, simplified proxy. It does not see a bank's actual SBA 7(a) origination volume (that lives in SBA FOIA data, not the call report), its appetite for your industry, or whether it funded forty SBA loans last quarter or zero. The $49 Borrower Assist report folds all of that in and ranks against your specific deal, not just your state. That is the part worth paying for.
What New York looks like for a borrower
Outside Manhattan's global banks, upstate New York runs on community and regional lenders that finance the manufacturing and farm economy Wall Street forgets exists.
On the numbers: New York's 115 headquartered banks carry $2.08T in assets between them, the largest being Goldman Sachs Bank USA of New York at $751.8B. The median bank keeps 8.2% of its loan book in C&I credit, which is the pool the table below ranks.
None of that tells you which of these banks will fund your specific deal. A $400,000 restaurant acquisition and a $4M owner-occupied warehouse purchase have different optimal lender lists even in the same state, and the ranking above does not split by loan size, industry, or collateral. Treat it as your starting shortlist, not your final answer.
How to use this list
- Start with the bank near you that has the strongest commercial profile, not just the closest branch. A lender with a real C&I book understands your deal faster.
- Ask for the SBA or commercial lending group directly. The general line routes business deals slowly.
- Have a one-page summary ready: use of funds, cash flow, collateral, owner credit, timeline. Banks decide whether to engage in the first ninety seconds.
- Run two banks in parallel, not five. Two real conversations close a loan; five waste everyone's time.
Hero photo: The New York City skyline by Luca Bravo on Unsplash, used here as a regional editorial image for New York.