TellerScore

Hanover Community Bank (FDIC certificate #58675) is based in Garden City Park, New York. Its Q2 2026 call report shows $2.3B in total assets and $2.0B in deposits and 11 offices across 2 states.

Hanover Community Bank has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 98th. Problem-loan coverage contributes the most (77/100, 11.4%); funding & liquidity contributes the least (33/100, 98% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.76%
Loan quality53/100
Noncurrent loans ÷ total loans: 1.42%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity33/100
Loans ÷ deposits and uninsured-deposit share: 98.4% · 41.1% uninsured
Problem-loan coverage77/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.37%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (52 → 49), mostly because the loan quality component weakened by 18 points.

TellerScore
475053Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202453
Q4 202453
Q1 202553
Q2 202552
Q3 202551
Q4 202547
Q1 202647
Q2 202649
Tier 1 leverage ratio
5.00%7.38%9.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.89%
Q3 20248.85%
Q4 20249.13%
Q1 20258.95%
Q2 20259.29%
Q3 20259.15%
Q4 20259.05%
Q1 20269.20%
Q2 20269.76%
Noncurrent loans
0.59%1.00%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.78%
Q3 20240.76%
Q4 20240.82%
Q1 20250.59%
Q2 20250.88%
Q3 20250.86%
Q4 20251.08%
Q1 20261.22%
Q2 20261.42%
Return on assets
0.32%0.47%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.54%
Q4 20240.59%
Q1 20250.32%
Q2 20250.40%
Q3 20250.48%
Q4 20250.38%
Q1 20260.42%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$2.3B9.76%1.42%0.63%98.4%
Q1 202647$2.4B9.20%1.22%0.42%97.0%
Q4 202547$2.4B9.05%1.08%0.38%98.0%
Q3 202551$2.3B9.15%0.86%0.48%100.0%
Q2 202552$2.3B9.29%0.88%0.40%100.2%
Q1 202553$2.3B8.95%0.59%0.32%100.9%
Q4 202453$2.3B9.13%0.82%0.59%101.0%
Q3 202453$2.3B8.85%0.76%0.54%102.0%
Q2 202452$2.3B8.89%0.78%0.48%103.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.76%
31st
Total risk-based capital14.84%
65th
Problem loans1.42%
18th
Net charge-offs0.06%
42nd
Return on assets0.63%
11th
Net interest margin3.08%
18th
Efficiency ratio72.1%
17th
Loans to deposits98.4%
18th
Uninsured deposits41.1%
24th
Loan-loss reserves0.96%
26th
Texas ratio11.4%
13th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Pioneer Bank, National AssociationBank Albany, NY62 out of 100, Moderate$2.3B10.0%0.48%vs
Shinhan Bank AmericaBank New York, NY65 out of 100, Moderate$2.2B12.5%0.57%vs
Maspeth Federal Savings and Loan AssociationBank Maspeth, NY74 out of 100, Strong$2.2B34.9%1.22%vs
Esquire Bank, National AssociationBank Jericho, NY81 out of 100, Strong$2.5B11.7%0.27%vs
Mizuho Bank (USA)Bank New York, NY62 out of 100, Moderate$2.1B7.0%0.00%vs
The Lyons National BankBank Lyons, NY63 out of 100, Moderate$2.1B9.0%0.48%vs

Deposit insurance

Is my money safe at Hanover Community Bank?

Yes. Hanover Community Bank is an FDIC-insured institution (FDIC certificate #58675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.1% of deposits ($827.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.76%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.84% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Hanover Community Bank lists 11 offices in 10 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hanover Community Bank reported 489 home-loan applications under HMDA (LEI 5493006F1L6NRWMNY260): 374 originated ($259,460,000 total), 57 denied, and 50 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Hanover Community Bank
Type
State-chartered bank
FDIC certificate #
58675
RSSD ID
3793714
Primary regulator
FDIC
Holding company
Hanover Bcorp Inc
Established
January 21, 2009
Headquarters
2131 Jericho Tpke, Garden City Park, NY 11040
Employees
192

Quick answers

Hanover Community Bank: common questions

Is Hanover Community Bank FDIC insured?

Yes. Hanover Community Bank is an FDIC-insured institution (FDIC certificate #58675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hanover Community Bank's TellerScore?

49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Hanover Community Bank ever failed?

There is no failure record for FDIC certificate #58675 in the FDIC failed bank list.

How many branches does Hanover Community Bank have?

11 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Garden City Park

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs