Quontic Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Quontic Bank is a locally rooted FDIC-insured community bank based in Astoria, NY, anchoring the largest US banking market. Total assets stand at $787M. Returns are subdued: 0.37% ROA and 3.56% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.73% exceeds the CBLR threshold. Credit metrics show stress, 3.53% NPLs and a 25.55% Texas Ratio above the 100% historical failure threshold. The bank operates from a single office.
As of June 30, 2026, Quontic Bank reported a Tier 1 leverage ratio of 9.73%, a return on assets of 0.37%, a nonperforming-loan ratio of 3.53%, a Texas ratio of 25.55%, per financial data filed with the FFIEC.
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
- Offices
- 1 domestic
- Employees (FTE)
- 161
- Domestic deposits
- $693.9M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $3K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Quontic Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Quontic 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Quontic Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Quontic Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| 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% | 2.63% | 18.60% | 3.65% |
| Q3 2025 | 10.65% | 0.53% | 3.21% | 23.28% | 3.88% |
| Q2 2025 | 9.87% | 0.18% | 2.17% | 17.87% | 4.36% |
| Q1 2025 | 9.89% | 0.55% | 3.17% | 22.59% | 3.23% |
| Q4 2024 | 10.96% | 1.12% | 3.93% | 28.48% | 3.29% |
| Q3 2024 | 11.60% | 0.42% | 4.54% | 27.46% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Quontic Bank (main office) | Astoria , NY | 11106 | $693.9M |
Regulatory record
What the public regulatory sources show for Quontic Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 180 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Quontic Bank headquartered?
Quontic Bank is headquartered in Astoria, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Quontic Bank founded?
Quontic Bank was established in 2005, per the FDIC institution directory.
Is Quontic Bank FDIC-insured?
Yes. Quontic Bank is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Quontic Bank operate?
Quontic Bank 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?
Quontic Bank's Texas Ratio is 25.55% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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