ZIP profile

Banking access in ZIP 13431

New York · Herkimer NY. Source year 2025.

Banking-desert dominant

The published Financial Access Pressure Index is 73.8104. 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 index73.8104
National pressure rank#629 of 20,307
National percentile95.6
State pressure rank#33 of 1,159
State percentile96.64
Weighted banking-desert geography63.15%
Weighted potential-desert geography21.33%
Population banking-desert exposure48.66%
Population potential-desert exposure39.01%
Allocated population1,929.26
Allocated population in banking deserts938.79

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-Hispanic0.570.4986.27%LIMITED
Asian non-Hispanic1.310.000.00%LIMITED
Black non-Hispanic3.190.000.00%LIMITED
Residents with disabilities277.50161.7658.29%LIMITED
Hispanic13.241.9514.77%LIMITED
Older residents342.05170.5649.86%LIMITED
Other race non-Hispanic0.000.00UnavailableNOT_AVAILABLE
People of color35.865.8616.36%LIMITED
Two or more races non-Hispanic17.553.4219.49%LIMITED
White non-Hispanic1,893.40932.9349.27%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 →