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Quontic Bank

$100M-$1B Specialty: Mortgage NY FDIC cert 57807

Designations: ✓ CDFI-certified

Astoria, NY

2664 banks in the $100M-$1B peer group nationally 51 in NY
View $100M-$1B leaderboard (NY) →

Quontic Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 26.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 28.0% in tier
  • - Capital Thin: Bottom 45.5% in tier
  • - Return on Assets 0.91% below tier average
  • - Delinquency Rate 2.55% above tier average
  • - Non-Interest-Bearing Deposit Share 20.75% below tier average
  • - Nonperforming Asset Ratio 1.74% above tier average
  • - Net Interest Margin 0.56% below tier average
Get updates when Quontic Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $852.8M
+7.2% YoY +2.5% QoQ
+$466.7M $386.1M
+0.5% YoY
$19.3B
+17.3% YoY
$6.2B
+9.1% YoY
Top 5.8% in tier
Total Loans ? $579.7M
-0.8% YoY -0.7% QoQ
+$324.0M $255.7M
+1.1% YoY
$8.1B
+14.6% YoY
$3.2B
+10.8% YoY
Top 6.7% in tier
Total Deposits ? $759.8M
+8.9% YoY +2.7% QoQ
+$431.8M $328.0M
+0.1% YoY
$15.1B
+16.0% YoY
$4.8B
+8.2% YoY
Top 4.2% in tier
Return on Assets ? 0.36%
-36.7% YoY -35.8% QoQ
-0.91% 1.27%
+12.9% YoY
0.86%
+14.3% YoY
1.23%
+13.4% YoY
Bottom 9.5% in tier
Net Interest Margin ? 3.37%
+0.7% YoY -10.1% QoQ
-0.56% 3.93%
+6.0% YoY
3.45%
+7.0% YoY
3.89%
+5.7% YoY
25%
Efficiency Ratio ? 89.37%
+5.7% YoY +3.8% QoQ
+24.09% 65.29%
-4.5% YoY
69.17%
-3.6% YoY
66.95%
-4.1% YoY
Bottom 7.1% in tier
Delinquency Rate ? 3.44%
+10.6% YoY +28.6% QoQ
+2.55% 0.89%
+18.8% YoY
1.13%
+6.9% YoY
0.95%
+18.8% YoY
Bottom 4.7% in tier
Loan-to-Deposit Ratio ? 76.30%
-8.9% YoY -3.3% QoQ
-0.33% 76.64%
+0.8% YoY
77.98%
+0.4% YoY
76.70%
+0.9% YoY
54%
Non-Interest-Bearing Deposit Share ? 1.27%
-25.1% YoY -5.9% QoQ
-20.75% 22.02%
-1.0% YoY
21.94%
+1.2% YoY
22.01%
-1.2% YoY
Bottom 1.2% in tier
Nonperforming Asset Ratio ? 2.38%
+4.4% YoY +23.9% QoQ
+1.74% 0.64%
+19.7% YoY
0.73%
+4.5% YoY
0.67%
+19.3% YoY
Bottom 4.8% in tier
Tier 1 Capital Ratio ? 9.53%
-3.6% YoY -9.8% QoQ
-6.30% 15.83%
+1.5% YoY
24.83%
+10.8% YoY
17.06%
+0.8% YoY
Bottom 4.8% in tier
Non-Interest Income / Assets ? 0.43%
-33.7% YoY -79.4% QoQ
+0.15% 0.28%
+9.3% YoY
0.21%
+9.1% YoY
0.32%
+4.1% YoY
Top 4.1% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#180 of 666 • Top 26.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.43%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: 0.36%
(Tier: 1.27%, National: 1.23%)
but worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Efficiency Drag

risk
#117 of 414 • Bottom 28.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 89.37%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank improving

Capital Thin

risk
#304 of 666 • Bottom 45.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.53%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

109
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.28%
#109 of 2664 Top 4.1% in $100M-$1B
114
Total Deposits
size
Value: $759.76M
Peer Median: $327.97M
#114 of 2664 Top 4.2% in $100M-$1B
156
Total Assets
size
Value: $852.77M
Peer Median: $386.08M
#156 of 2664 Top 5.8% in $100M-$1B
180
Total Loans
size
Value: $579.73M
Peer Median: $255.72M
#180 of 2664 Top 6.7% in $100M-$1B

Top Weaknesses (7 metrics)

2633
Non-Interest-Bearing Deposit Share
funding
Value: 1.27%
Peer Median: 22.02%
#2633 of 2664 Bottom 1.2% in $100M-$1B
2531
Delinquency Rate
credit_quality
Value: 3.44%
Peer Median: 0.89%
#2531 of 2654 Bottom 4.7% in $100M-$1B
2538
Tier 1 Capital Ratio
capital
Value: 9.53%
Peer Median: 15.83%
#2538 of 2664 Bottom 4.8% in $100M-$1B
2537
Nonperforming Asset Ratio
credit_quality
Value: 2.38%
Peer Median: 0.64%
#2537 of 2664 Bottom 4.8% in $100M-$1B
2476
Efficiency Ratio
profitability
Value: 89.37%
Peer Median: 65.29%
#2476 of 2664 Bottom 7.1% in $100M-$1B
2411
Return on Assets
profitability
Value: 0.36%
Peer Median: 1.27%
#2411 of 2664 Bottom 9.5% in $100M-$1B
2004
Net Interest Margin
profitability
Value: 3.37%
Peer Median: 3.93%
#2004 of 2664 Bottom 24.8% in $100M-$1B
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