Total Assets
$832M
Total balance-sheet footings
FDIC Cert #57807 · Astoria, New York · Est. 2005
Quontic Bank - FDIC Bank Health Profile
A community-scale look at Quontic Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $832M
- Total assets
- C
- Health grade · Fair
- 0.56%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
Quontic Bank earns a PlainBankData health grade of C (52/100), with well-capitalized at 10.56% Tier 1, 0.56% ROA, 86% efficiency ratio.
- #1,222
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 10.56%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Quontic Bank's 52/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Quontic Bank's composite health score
Tier 1 Capital Ratio (10.56%) 28/40
Return on Assets (ROA) (0.56%) 14/25
Texas Ratio (18.16%) 10/20
Efficiency Ratio (86.11%) 0/15
52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$740M
Customer-funded liabilities
Net Loans
$584M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Quontic Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Quontic Bank's score of 52/100 falls in the highlighted band.
Quontic Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Quontic Bank's $832M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.56%
Texas Ratio
18.16%
Equity Capital
$85M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.56%
Return on Equity (ROE)
5.09%
Efficiency Ratio
86.11%
What the numbers say about Quontic Bank
Quontic Bank is an FDIC-insured institution (Certificate #57807) headquartered in Astoria, New York, established in 2005. It holds $832M in total assets - 1,222nd of 4,313 FDIC-insured banks, $740M in customer deposits, and $584M in net loans. Looking at capital strength, Tier 1 stands at 10.56%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 18.16%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (52/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New York, Quontic Bank ranks 65th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$53M
Interest Income
$18M
Non-Interest Income
$39M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Quontic Bank reports a Texas Ratio of 18.16% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Quontic Bank (FDIC Cert #57807) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Quontic Bank's health grade?▼
Quontic Bank receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Quontic Bank?▼
Quontic Bank holds $832M in total assets and $740M in deposits, ranking 1,222nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Astoria, New York.
Is my money safe at Quontic Bank?▼
Yes, deposits at Quontic Bank (Certificate #57807) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Quontic Bank's Tier 1 Capital Ratio?▼
Quontic Bank has a Tier 1 Capital Ratio of 10.56%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Quontic Bank?▼
Quontic Bank has a Texas Ratio of 18.16%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Quontic Bank?▼
Quontic Bank has an Efficiency Ratio of 86.11%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Quontic Bank's profile as a depositor or analyst.
- Quontic Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Quontic Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.