ZIP profile

Banking access in ZIP 12074

New York · Saratoga NY. Source year 2025.

Banking-desert dominant

The published Financial Access Pressure Index is 78.0351. Higher values indicate more measured physical banking-access pressure. This measure does not identify bank branches, drive-through hours, individual banking behavior, or overall neighborhood quality.

Banking-access measures

Pressure index78.0351
National pressure rank#550 of 20,307
National percentile96.0
State pressure rank#26 of 1,159
State percentile97.24
Weighted banking-desert geography58.11%
Weighted potential-desert geography39.86%
Population banking-desert exposure30.21%
Population potential-desert exposure65.83%
Allocated population2,861.49
Allocated population in banking deserts864.35

Geographic shares and population shares use different denominators. Published ranks and percentiles are preserved, including ties. Population estimates are displayed to two decimals; exact source values are in the downloads.

People & financial access

Estimated population-group exposure to banking-desert geography. These are allocated estimates, not counts of unbanked people. Groups overlap and must not be added together.

Population groupRepresented estimateExposed estimateExposure shareEvidence tier
American Indian / Alaska Native non-Hispanic0.030.000.00%LIMITED
Asian non-Hispanic24.7824.78100.00%LIMITED
Black non-Hispanic50.7438.9576.76%LIMITED
Residents with disabilities308.12122.8539.87%LIMITED
Hispanic28.3123.1281.68%LIMITED
Older residents578.31117.7120.35%LIMITED
Other race non-Hispanic3.543.54100.00%LIMITED
People of color120.79101.4684.00%LIMITED
Two or more races non-Hispanic13.3911.0682.63%LIMITED
White non-Hispanic2,740.70762.8927.84%STANDARD

Evidence tiers are passed through from the source. Missing ranks or rates remain unavailable. A zero exposure share does not guarantee that a branch is open or nearby.

Source year: 2025 in the governed ZIP profile view. Exported October 13, 2026; the export date is not an observation date. Population figures are allocated estimates; groups can overlap. Sources and interpretation →