Quontic Bank
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Data as of · sourced from FFIEC call reports. How we update
Quontic Bank is an FDIC-insured savings institution headquartered in Astoria, NY, established in 2005 (FDIC certificate 57807), and it is supervised by the OCC. At Q2 2026 it reported total assets of $787.0M, up 5.7% from Q2 2025, the 56th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57807
- Headquarters
- Astoria, NY
- Established
- 2005
- Total assets, Q2 2026
- $787.0M
- Assets vs Q2 2025
- +5.7%
- Tier 1 leverage ratio, Q2 2026
- 9.73%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 021473030
- Latest call report
- Q2 2026, FFIEC 051 · Quontic Bank call report
- Holding company
- QUONTIC BANK HOLDINGS CORP.
- Asset rank in state
- 56th of 105 in New York
Problem loans are rising at Quontic Bank. The Astoria, New York bank had $787 million in assets at June 30, 2026, up 5.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.53% of loans from 2.53% a year earlier. It earns about $0.37 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $766,000, 125% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 3.58% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Quontic Bank reported a return on assets of 0.37%, a nonperforming-loan ratio of 3.53% and a Texas ratio of 25.55%. The figures come from its call report filed with the FFIEC.
Quontic Bank ranks as the 56th largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 7.7% to $787.0M, loans rose 5.8% and deposits fell 8.7%. 1-4 family residential loans made up 100.2% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 0.2%. Its one office in the FDIC Summary of Deposits is in Astoria, NY. By the capital ratios in its Q2 2026 call report, Quontic Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3105 Broadway, Astoria, NY 11106
- County
- Queens
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 14, 2005
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 161
- Domestic deposits
- $693.9M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $831.9M
- Average total loans
- $580.5M
- Average interest-bearing deposits
- $729.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 2005
- FDIC Cert
- 57807
- Fed RSSD
- 3340725
- SEC CIK
- 1773171 → filed by QUONTIC BANK ACQUISITION CORP.
- Website
- http://www.quontic.com →
- Parent Holding Company
- QUONTIC BANK HOLDINGS CORP. (RSSD 4098564)
- Ultimate Parent
- QUONTIC BANK ACQUISITION CORP. (RSSD 4098537)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Quontic Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Quontic Bank's total assets ran between $561.3M (Q3 2023) and $852.8M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$787.0M total assets against $744.8M; $700.6M total liabilities against $662.8M.
$613.2M net loans and leases against $569.9M; $693.9M total deposits against $653.2M.
$4.9M securities against $4.8M; $144.1M cash and balances due against $138.5M.
$13.4M total interest income against $14.6M; $6.6M total interest expense against $6.5M.
$6.8M net interest income against $8.0M.
$4.0M total noninterest income against $2.7M; $9.6M total noninterest expense against $9.9M.
$60K provision for credit losses against $260K.
$766K net income against $341K.
0.37% return on assets against 0.18%; 3.35% net interest margin against 4.36%.
9.73% tier 1 leverage ratio against 9.87%.
Inside the full Quontic Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Quontic Bank rankings
Its closest position to the top of a national ranking is 96 of 3,640, for Texas Ratio; its furthest is 3,465 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.18% (Q2 2025) to 1.12% (Q4 2024) and its net interest margin ran from 3.23% (Q1 2025) to 4.36% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.73% | 0.37% | 3.53% | 25.55% | 3.35% |
| Q1 2026 | 9.53% | 0.36% | 3.43% | 23.41% | 3.36% |
| Q4 2025 | 10.56% | 1.02% | 2.67% | 18.31% | 3.65% |
| Q3 2025 | 10.65% | 0.53% | 3.27% | 22.82% | 3.88% |
| Q2 2025 | 9.87% | 0.18% | 2.60% | 17.43% | 4.36% |
| Q1 2025 | 9.89% | 0.55% | 3.10% | 21.08% | 3.23% |
| Q4 2024 | 10.96% | 1.12% | 4.37% | 26.97% | 3.29% |
| Q3 2024 | 11.60% | 0.42% | 4.40% | 26.00% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Quontic Bank (main office) | Astoria , NY | 11106 | $693.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 5 against the institution (OCC, OCC (former OTS)); 3 against individuals associated with it
- October 5, 2022, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Quontic Bank
- October 29, 2018, OCC: Formal Agreement: Quontic Bank
- July 22, 2014, OCC: Formal Agreement: Quontic Bank
- December 22, 2009, OCC (former OTS): Termination of Cease and Desist: Golden First Bank
- May 24, 2007, OCC (former OTS): Cease and Desist: Golden First Bank
- Period: Most recent institution action October 5, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 88 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,139 applications, 1,190 loans originated, $531.3M originated, across 46 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Quontic Bank
What are Quontic Bank's total assets?
As of the Q2 2026 filing, Quontic Bank reported total assets of $787.0 million in its FFIEC call report.
Where is Quontic Bank headquartered?
It is headquartered in Astoria, NY, United States.
When was Quontic Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Quontic Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #57807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Quontic Bank?
Quontic Bank's primary federal regulator is the OCC.
How many branches does Quontic Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Quontic Bank's Texas Ratio?
Its Texas Ratio is 25.55% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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