Quontic Bank is a savings bank headquartered in Astoria, New York, in business for about 21 years. At the end of Q2 2026 it reported $787.0M in total assets and $693.9M in deposits, with 1 office.
Quontic Bank has a TellerScore of 37 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 113th. Funding & liquidity contributes the most (72/100, 88% loans-to-deposits, 10% uninsured); loan quality contributes the least (0/100, 3.53%).
TellerScore · Q2 2026
Scorecard
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 5 points (42 → 37), mostly because the problem-loan coverage component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 38 |
| Q3 2024 | 40 |
| Q4 2024 | 41 |
| Q1 2025 | 41 |
| Q2 2025 | 42 |
| Q3 2025 | 39 |
| Q4 2025 | 46 |
| Q1 2026 | 38 |
| Q2 2026 | 37 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.83% |
| Q3 2024 | 11.60% |
| Q4 2024 | 10.96% |
| Q1 2025 | 9.89% |
| Q2 2025 | 9.87% |
| Q3 2025 | 10.65% |
| Q4 2025 | 10.56% |
| Q1 2026 | 9.53% |
| Q2 2026 | 9.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.51% |
| Q3 2024 | 4.40% |
| Q4 2024 | 4.37% |
| Q1 2025 | 3.10% |
| Q2 2025 | 2.60% |
| Q3 2025 | 3.27% |
| Q4 2025 | 2.67% |
| Q1 2026 | 3.43% |
| Q2 2026 | 3.53% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.11% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 37 | $787.0M | 9.73% | 3.53% | 0.37% | 88.4% |
| Q1 2026 | 38 | $852.8M | 9.53% | 3.43% | 0.36% | 76.3% |
| Q4 2025 | 46 | $832.0M | 10.56% | 2.67% | 0.56% | 78.9% |
| Q3 2025 | 39 | $716.4M | 10.65% | 3.27% | 0.42% | 96.0% |
| Q2 2025 | 42 | $744.8M | 9.87% | 2.60% | 0.37% | 87.2% |
| Q1 2025 | 41 | $795.8M | 9.89% | 3.10% | 0.57% | 83.7% |
| Q4 2024 | 41 | $710.2M | 10.96% | 4.37% | 0.34% | 84.6% |
| Q3 2024 | 40 | $657.0M | 11.60% | 4.40% | 0.07% | 86.0% |
| Q2 2024 | 38 | $621.3M | 11.83% | 4.51% | -0.11% | 95.2% |
2,650 peers · $100 million – $1 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).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Federal Savings BankBank Woodhaven, NY | 53 out of 100, Below average | $827.0M | 9.9% | 0.43% | vs |
| Lake Shore BankBank Dunkirk, NY | 86 out of 100, Very strong | $735.9M | 17.4% | 0.25% | vs |
| First National Bank of ScotiaBank Scotia, NY | 55 out of 100, Moderate | $719.0M | 9.2% | 1.50% | vs |
| Jeff Bank, National AssociationBank Jeffersonville, NY | 95 out of 100, Very strong | $686.2M | 14.9% | 0.37% | vs |
| Geddes Federal Savings and Loan AssociationBank Syracuse, NY | 74 out of 100, Strong | $685.7M | 14.7% | 0.44% | vs |
| Carver Federal Savings BankBank New York, NY | 23 out of 100, Low | $658.1M | 8.7% | 3.46% | vs |
Deposit insurance
Is my money safe at Quontic Bank?
Yes. Quontic Bank is an FDIC-insured institution (FDIC certificate #57807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.7% of deposits ($67.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Quontic Bank lists 1 office in 1 city. Most locations:
- Astoria, NY (1)
HMDA 2025
Mortgage lending
In 2025, Quontic Bank reported 2,037 home-loan applications under HMDA (LEI 2549004XJQQPBYQSMT39): 1,190 originated ($531,340,000 total), 250 denied, and 581 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.2%, 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
- Quontic Bank
- Former names
- Golden First Bank
- Type
- Savings bank
- FDIC certificate #
- 57807
- RSSD ID
- 3340725
- Primary regulator
- OCC
- Holding company
- Quontic Bank Acquisition Corp
- Established
- March 14, 2005
- Headquarters
- 3105 Broadway, Astoria, NY 11106
- Website
- www.quontic.com
- Employees
- 161
Quick answers
Quontic Bank: common questions
Is Quontic Bank FDIC insured?
Yes. Quontic Bank is an FDIC-insured institution (FDIC certificate #57807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Quontic Bank's TellerScore?
37 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Quontic Bank ever failed?
There is no failure record for FDIC certificate #57807 in the FDIC failed bank list.
How many branches does Quontic Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Astoria
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |