# QUONTIC BANK
ASTORIA, NY · FDIC certificate 57807 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $787.0M | |
| Deposits | $693.9M | |
| Loans and leases | $614.4M | |
| Total equity | $86.4M | |
| Loans / deposits | 88.36% (p67 of band) | 82.04% |
| Liquid assets / assets | 18.93% (p29 of band) | |
| Uninsured deposits / deposits | 9.72% (p4 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.73% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -0.11% (p95 of band) | -8.10% |
| AOCI / equity | 0.03% (p82 of band) | |
| ROA (annualized) | 0.37% (p9 of band) | 1.28% |
| Net interest margin | 3.42% (p24 of band) | 3.91% |
| Efficiency ratio | 89.28% (p94 of band) | |
| Noncurrent loans | 3.53% (p96 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 5.62% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 161 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 2 | loans exceed deposits | losing money, expense ratio p90, capital falling |
| 2012-03 | 2 | charge-offs p90 | loans exceed deposits |
| 2012-06 | 5 | liquid assets <10%, capital falling, uninsured deposits leaving |  |
| 2012-09 | 2 |  | charge-offs p90, liquid assets <10%, capital falling |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 3 | capital falling, charge-offs p90 |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2014-03 | 6 | losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, charge-offs p90, loans exceed deposits |
| 2014-06 | 3 | capital falling | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  | liquid assets <10%, expense ratio p90, capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | liquid assets <10% |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | loans exceed deposits |  |
| 2015-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2016-03 | 2 | liquid assets <10%, expense ratio p90 |  |
| 2016-06 | 2 | capital falling | expense ratio p90 |
| 2016-09 | 3 | loans exceed deposits |  |
| 2016-12 | 4 | wholesale funding >15% |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 5 | brokered >10%, reserve under noncurrent | capital falling |
| 2017-09 | 3 |  | liquid assets <10%, reserve under noncurrent |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 5 | expense ratio p90 |  |
| 2018-06 | 6 | reserve under noncurrent |  |
| 2018-09 | 7 | uninsured deposits >50%, run vulnerability | capital falling |
| 2018-12 | 5 |  | expense ratio p90, reserve under noncurrent |
| 2019-03 | 5 | expense ratio p90 | loans exceed deposits |
| 2019-06 | 4 | reserve under noncurrent | uninsured deposits >50%, run vulnerability |
| 2019-09 | 3 | deposits shrinking, uninsured deposits leaving | wholesale funding >15%, brokered >10%, expense ratio p90 |
| 2019-12 | 3 | expense ratio p90 | deposits shrinking |
| 2020-03 | 4 | brokered >10%, wholesale funding >15% | expense ratio p90 |
| 2020-06 | 5 | loans exceed deposits, liquid assets <10%, expense ratio p90 | uninsured deposits leaving, brokered >10% |
| 2020-09 | 6 | NIM <2.5% |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 5 |  | expense ratio p90 |
| 2021-06 | 4 |  | liquid assets <10% |
| 2021-09 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2021-12 | 4 |  | NIM <2.5%, uninsured deposits leaving |
| 2022-03 | 7 | losing money, expense ratio p90, noncurrent p90 |  |
| 2022-06 | 7 | capital falling, uninsured deposits leaving | wholesale funding >15%, loans exceed deposits |
| 2022-09 | 6 |  | uninsured deposits leaving |
| 2022-12 | 6 | deposits shrinking | capital falling |
| 2023-03 | 7 | uninsured deposits leaving |  |
| 2023-06 | 6 |  | losing money |
| 2023-09 | 7 | losing money |  |
| 2023-12 | 4 |  | assets shrinking, deposits shrinking, losing money |
| 2024-03 | 5 | capital falling, losing money | uninsured deposits leaving |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 3 |  | losing money |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 3 |  | expense ratio p90 |
| 2025-06 | 4 | expense ratio p90 |  |
| 2025-09 | 3 |  | capital falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 3 |  | capital falling |

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

- 2026-07-15 [Community Development Financial Institutions and the NYC Home Mortgage Market - NYC.gov](https://news.google.com/rss/articles/CBMitAFBVV95cUxNRkdsWml2V0k5UWRReDc2aGEwaWI3eWJfVWhKakUtek9JYWd3eUUzUGd4Q2lyejRuQ3pHYjRiZFlGMjB5NTdLcFI4WWp3UUtHbGU5WmtXTTloSmNoQlpTUEV1S2VkUzJqMEZ1dzhCMzlIQUFHd3JhalJCRDFRZVVpWmhDZUxaaUE5cWVtYVhQaDNJWnUyQlR6VGZ6V0Y4Yk1ZaEVYLUtuYXNNMDVVX1A5VjQwdng?oc=5) · NYC.gov
- 2026-07-16 [Quontic Bank Announces Termination of OCC Consent Order - PR Newswire](https://news.google.com/rss/articles/CBMisAFBVV95cUxPNUdCSnhyUm5KRVRsaDluN3o0dWRNcTNOS0s0ck1JSHlhdC1IZzgwbHdPSHM3dFVlTlNWdU9xQlduSVpuQ1lQYnBMOVRHQmxTQ1d1TzJzOUx4SEk5YzEtNXcxX2tGS3ZnTXE3RkRhTGpXN3Jmem5zWG0tRXA1QnZuZU1pN1FQVGZ3VXVvZGt0NFh3VmN6X0FrVkNXbkRGNkNfZFRSUTRVTFNoMXFOSlp4ag?oc=5) · PR Newswire
- 2026-04-30 [Quontic Bank (NY) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTE1NaGFQbExuZ19xX1BWZDlrYnppOVd4VUVqSTdfdWtnYXlFUjdnQ19KTElTMkVXZlJJdzdGOVBPcUU0VnhtUkhScW10NFpYZlNNeHJxNkJTTFBxR2hVemx1RHEycGliaEVpdVMxcDVFT3FXVmlONjA1OGpldTNOZw?oc=5) · SmartAsset
- 2026-06-29 [Treasury Drops Hammer on ex-Quontic Bank Mortgager Linked to Maine's Chinese Cannabis Houses - The Maine Wire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOZzhneUtoMFlRcmZyc0hzTnhMT0d6M0FKX0FERE1XUEptWC10RU1USjFnNGtMTndreWYwLTM3V3M1b2JRaDdHV0pJYTZEMi1IVTlFb2lTSUZGX0s1a2RJaTk5X2QyenpfblUtaVUxQVFnNjRWb1NnMktYdUVaMHM4a29yS2JDcGdBUm5lRGZzQy0yMFJ2M1ExZWNncDRXN1NFZExnZkFPYXpUUGhZa3hVbFBnbzJzNXBuaFFKZXhqRjZ2LWlIelN3Nw?oc=5) · The Maine Wire
- 2026-07-16 [OCC terminates Quontic consent order - Banking Dive](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVk5WSERsQTdiak82N3MxZVJLcUlBdFdqRGt1ZWFjNE5xUVphUDhNMWpGR05JY0k2NGFlSFV5M1JlWHFEeXdxYkY1U0x5T0pGVmZpWXNRdS1BQ3RLc1Q4OVhQUlJKY09BVndZaEhCcDBlVVEzOEUtQXhhVTc2TFQzMHlEdw?oc=5) · Banking Dive
- 2025-06-13 [Quontic Bank review 2026: A strong choice for a high APY on your savings - Fortune](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9IMVZaWVV4dENyN2QtemR0RzZRU1JwMV8wUkhXMy1Wbm1KakZ1cGFQUzZFbUJ5SWxhT1VoZ0pyWTJ1YVQyWVk0akJ0T05uYW16eTJMQVRCOVF6dGg4?oc=5) · Fortune
- 2021-01-05 [Why this tech vet left a superregional to join Quontic Bank - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxOUGRsdGZvY280R1NkZHNDdEZ5TDNZWlN1NTNfcHhKaWdQeTgxLUJ2RGFkLVFKb3pXMmViVmFBZTdiMUFVaTRFTDl4SFlSREJvbnZMYm0xRW5IbnJCLTBhWnVTUTRoX3JTNFktUTFyaWYyOUhodzZ4ckdJM3VkbVZfZXFFSkI1NmVlV0s5TUhTdTNDU3JuVVRHWWVMTQ?oc=5) · American Banker
- 2017-03-29 [NYC's Quontic Bank Opens Loan Office in Northern Virginia - newswire.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNdzk2RjB1Z3RpN1dOMTV2bjh0MzVTZzk1NFpjQlFXQ1lDOWZwYVJja0wxM1BHT1d5cWFfSE9xOHBHUnZubEY0NlQxeW1HSGJQUi1tLUZiWDFiXy13akhVMGhCdGk5ZVdYY2RtOU1VSlpiNkNiUnYzWUpJa2FDSUtoR1BaYVJ5VEJhTTE0UzNhUVFVY09WOUlsZEtzYw?oc=5) · newswire.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57807 (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/15.json (key "57807", 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