# NEW YORK COMMUNITY BANK
HICKSVILLE, NY · FDIC certificate 16022 · asset band $10-100B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $62.91B | |
| Deposits | $41.81B | |
| Loans and leases | $48.98B | |
| Total equity | $7.26B | |
| Loans / deposits | 116.64% (p96 of band) | 80.75% |
| Liquid assets / assets | 13.36% (p10 of band) | |
| Uninsured deposits / deposits | 36.52% (p35 of band) | 41.88% |
| Brokered deposits | 8.30% | |
| Wholesale funding | 29.19% (p95 of band) | |
| FHLB advances / assets | 20.41% | |
| Tier 1 leverage | 8.92% (p35 of band) | 9.59% |
| Unrealized securities loss / equity | -11.73% (p76 of band) | -23.75% |
| AOCI / equity | -7.11% (p69 of band) | |
| ROA (annualized) | 1.10% (p39 of band) | 1.17% |
| Net interest margin | 2.50% (p18 of band) | 3.19% |
| Efficiency ratio | 36.91% (p18 of band) | |
| Noncurrent loans | 0.09% (p10 of band) | 0.37% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 480.23% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 2.80% (p14 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $268.2M (4% of equity) (p53 of band) | |
| Deposits YoY | 20.3% | |
| Employees | 2769 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 4 | brokered >10% |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 6 | capital falling, uninsured deposits leaving |  |
| 2013-09 | 4 |  | brokered >10%, uninsured deposits leaving |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 6 | losing money, expense ratio p90, NIM <2.5% |  |
| 2016-03 | 4 | liquid assets <10% | losing money, expense ratio p90, NIM <2.5% |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 |  | reserve under noncurrent, liquid assets <10% |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | NIM <2.5% |  |
| 2018-06 | 4 | capital falling |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | capital falling |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 2 |  | NIM <2.5% |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-21 [New York bank settles $1.2M lawsuit over ATM fees: Do you qualify? - PIX11](https://news.google.com/rss/articles/CBMinwFBVV95cUxNbnFHS2p3TFJ5OXczZUh0cmVsaThBcGNHa2ZNUTNRMGE2LVRtU3dMd3Bmb1lTbVgya2tBQWFXTFNJbzBNYzJpbVVnc1J2SXVQN2dmZXdSdnEya1A1M082M3pIZmdtTThQOXNPVElLMU1hOElrUE1vaC1iNG51bXZsU3V3YzdaWDBxLUtEMl9wWE1HUUpWa2JYQnZzU1lYOTDSAaQBQVVfeXFMTWt2cGpnT0dBVkFMZk85WndLWjlXa3JocHFtT2RoRjFwOWVDZ1BfLUNidncteGk4aFpLNjh2SlhUaTJ6RmQwUzFLM0d2MnMxU25LVUNxQnhWM1hiYk4zVk1kUzVuSTI4cWFBSjdkVnQ5eVVqWks4aGIzQ1dFWVB3bkdock1SRjQtQnZJVl9ZZTBGa003eklDU3JGNFAyWmhHdi0zaV8?oc=5) · PIX11
- 2024-02-08 [Big Dreams Come Back to Bite New York Community Bank (Published 2024) - The New York Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOT2ZoN0JGRnl6MG9uXzU0R3RHTkdPblZYOHJKNHNmeDN2el9pRHlDM3h0Zk9WR2JaQlFRR01BaHllcUNjY05SZUVtaVZfclpPc3RRRjNsano0N2NYXzFFUjdkYXFkandlZDVYOTZGZGE3d0JhRjZLNWRPUzBaQ3hJeFlON1BCTkh0?oc=5) · The New York Times
- 2026-03-03 [Lenders' Rent-Stabilized Disappearing Act, By The Numbers - bisnow.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQaDMxWlMwaVgwbnhUc1FCTFpLYVdyZFZHSTRZYVJGZ0xRb0pBaGFRWm9NZkRJU0d2OVVHeFdHX2tQWUN5UzhkanRMS2FtLUZlV3V2cXVNaWlBdVY3dnE1ejdxX2ZobnB3Rlp4VTBBNTExb01pdnZzSWNZYnNHa0hOUGROdDN3dl9ZeFhuanRtSS1Fak9fX3dxX3ZLWG45aExlR3lRdjNCRjdMV1Nu?oc=5) · bisnow.com
- 2023-03-20 [New York Community Bank agrees to buy a large portion of Signature Bank - NPR](https://news.google.com/rss/articles/CBMiswFBVV95cUxOQV9scDlaQ3pBS21oWDQ3M0dNazJYUVNiaFJGN29xazJzXy1CUFEzOTRSd1owY1AtNk5XcDRRdnJFUlA4LWlzQnQ0NXVxcHpMeVJVU2FqRWpQTFZuY1YwLVR5ZGpfNkVNNkRFZ1c0a3NqNG1zQndWTEtlNnE1bHZlaEJpUURkRENfU2FkVVhCeGZyTlByNmIySUhNSDJYMnllRXhHRHRQM0V5V0dVdHdHd1JhZw?oc=5) · NPR
- 2025-11-21 [$1.23M New York Community Bank ATM fees class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNQkdlVUdPTjQxX3k2MXRMUExYZ2RkWTNvc1doUnZKX0NzNDVUc0lvMzZ6TnlsUVVLc3Y5NlRjankwNHRLVUw2V2ktcmdkbHFUWjNVR2xib19BQXluaGlKQzBlRm16V0NJU0JFTzVjOUZmVHloNS1iSU40TnlsUncxX2FmOW9hTUxtY28za2FEZHZJXzdwRjlSZ0lfXy1pZTdIb3ByQUJ6NUQ3dGc5Yl9zM2lVVE5tNVFhN2o3YzNqN0JOb2FRcV9FcGNWTFBZa3p2ZVE?oc=5) · Top Class Actions
- 2025-11-18 [New York Community Bank $1.23M Fee Class Action Settlement - Claim Depot](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1ZY3lJWXdVamIzTWNSdXpBY3dpb3diOWdkdlZFUEcyeWJPS1hGTjJtVXJQaWpleU5HRWxneFY0eVp2MWNBOE1icVpNcTdVaXZPay14czVUODhuVVUwZldic0I3Ylc?oc=5) · Claim Depot
- 2022-12-02 [New York Community Bancorp Completes Acquisition Of Flagstar - National Mortgage Professional](https://news.google.com/rss/articles/CBMipgFBVV95cUxQNGRYNFhwUGRPTUJPU0s1RUxvb2lxdnlDUllFVTdKSnd2c05IMGJ4Z0IyTlhQck9kSlltRktVT1NhRGNJUzNnY3RpcmRxaVVLYTU4MGRILXVLQzg4dHh2cWJmUUJWR243ckxDZFRFRGo2ZXdFZ2p0RW1lZkRPVXkzcDNXX3lJZm5DRk1GaFpDM2NmWFNkekszMFZrNWh5b19FUVdtVTN3?oc=5) · National Mortgage Professional
- 2021-04-26 [New York Community Bancorp, Inc. To Acquire Flagstar Bancorp, Inc. In An All Stock Strategic Merger - PR Newswire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPdVI0S1BXazc5ejh4R0Q5RnV0Vno0bk5uVzhRNGZkVW5GSC1xZlBHRTh2VGlIRjVmNlMwVFEzTW13c2xlVVFQV2phbnJOaTFGZDFQTWQ1d2N1Ymx4alNJM0dqcno3cnhpSFFSSkNBRG5tOTFUczlwXzI0cXB0eE5Ibl9lR0xFV0J1VTZpUXloRnJCMXlmOGoxSDdKX2NPWHNVYmM4XzBtalpod3E5OFpETXZ6UTBZSnN1QTlZcWdhelFkWHFyOWdWdFdnWmY5N2JwNHZQN2M0TXczNERoNkktZ3ZMeXRMQQ?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16022 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "16022", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide