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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Quontic Bank

Astoria, New York · $787M in assets · beside the 11 other New York banks between $300M and $1B

The filing

0.2%
CRE / loans
1st of 12
0.1x
Coverage of noncurrent
12th of 12
3.53%
NPA / loans
11th of 12

Quontic Bank is the second largest of the 12 New York banks nearest its size between $300M and $1B, with $787M in assets at 30 June 2026. Loans are 88.5% of deposits, 6th of 12 against a median of 89.2%, and equity is 11.0% of assets, 6th of 12. Loans grew +7.6% in the year, 4th of 12, and deposits grew 6.2%; the cohort's median loan growth is +4.8%.

Noncurrent loans are 3.53% of the book, 11th of 12 against a median of 0.95%; 0.39% is 30 to 89 days past due, and the allowance covers them 0.1 times. Commercial real estate is 0.2% of loans, the lowest in the cohort against a median of 33.5%, and 2% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 0.37%, 8th of 12 against a median of 0.77%, on an efficiency ratio of 89.3%, 9th of 12. Five years ago it was 2.61%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansNY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 33.5% QB Quontic Bank 0.2% GF Geddes Federal Savings & Loan Association 0.2% FN First National Bank of Scotia 17.4% JB Jeff Bank 24.4% TS Tioga State Bank N.A. 25.3% N Newbank 31.9% MB Modern Bank National Association 35.1% ES Empire State Bank 39.9% LS Lake Shore Bank 46.3% CF Carver Federal Savings Bank 51.3% SB Spring Bank 74.4% CF Community FSB 87.6%
Loans, year over yearNY banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.8% SB Spring Bank +33.8% CF Community FSB +21.8% N Newbank +13.3% QB Quontic Bank +7.6% JB Jeff Bank +6.1% TS Tioga State Bank N.A. +5.7% MB Modern Bank National Association +3.8% GF Geddes Federal Savings & Loan Association +3.7% FN First National Bank of Scotia +1.2% LS Lake Shore Bank +1.0% ES Empire State Bank -4.7% CF Carver Federal Savings Bank -8.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, Quontic Bank among them; owner-occupied excluded; bold marks a screen met
Quontic BankRankCohort median
Total CRE against capital, the 300% screen2%2nd of 12183%
Construction against capital, the 100% screen0%1st of 124%
Construction and land development, share of loans0.0%1st of 120.7%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 1212.7%
Total CRE, the guidance definition, share of loans0.2%1st of 1233.5%
CRE growth over 36 months, the third prong-59.8%1st of 12+5.8%
Commercial real estate against capital, the 300% screenNY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 183% GF Geddes Federal Savings & Loan Association 1% QB Quontic Bank 2% JB Jeff Bank 91% FN First National Bank of Scotia 125% TS Tioga State Bank N.A. 128% N Newbank 164% LS Lake Shore Bank 202% MB Modern Bank National Association 241% ES Empire State Bank 313% SB Spring Bank 361% CF Community FSB 361% CF Carver Federal Savings Bank 442%
CRE growth over 36 months, the guidance's third prongNY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +5.8% QB Quontic Bank -59.8% GF Geddes Federal Savings & Loan Association -58.8% MB Modern Bank National Association -37.4% CF Carver Federal Savings Bank -4.6% LS Lake Shore Bank -0.6% ES Empire State Bank +2.2% FN First National Bank of Scotia +9.3% TS Tioga State Bank N.A. +16.9% JB Jeff Bank +31.5% N Newbank +40.2% CF Community FSB +96.1% SB Spring Bank +149.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Community FSB$827M-0.6%107.2%0.43%0.25%1.0%55.7%10.9%
Quontic Bank$787M0.4%89.3%3.53%0.00%0.2%88.5%11.0%
Lake Shore Bank$736M1.1%65.7%0.25%0.00%0.8%94.0%16.5%
First National Bank of Scotia$719M0.7%74.3%1.50%0.14%1.1%81.8%9.5%
Jeff Bank$686M1.9%50.3%0.37%0.00%1.3%64.7%14.1%
Geddes Federal Savings & Loan Association$686M0.3%78.0%0.44%0.00%0.2%113.4%14.6%
Carver Federal Savings Bank$658M-0.7%115.8%3.46%0.22%1.0%95.0%7.2%
Modern Bank National Association$649M0.1%101.6%5.60%0.00%1.5%101.3%10.4%
Spring Bank$641M1.6%41.2%0.60%0.07%1.2%83.2%13.9%
Tioga State Bank N.A.$625M1.3%66.6%1.00%0.04%1.6%73.1%10.6%
Newbank$618M0.9%59.6%2.65%0.65%1.5%89.9%14.6%
Empire State Bank$618M0.8%74.6%0.91%-0.02%1.0%103.9%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Quontic BankCohort median
20212026Change20212026Change
Loans$1.08B$614M-43%$458M$502M+10%
Deposits$546M$694M+27%$515M$564M+10%
NPA / loans0.86%3.53%+2.66 pts0.56%0.95%+0.40 pts
Efficiency47.7%89.3%+41.6 pts66.9%74.4%+7.5 pts
ROA2.61%0.37%-2.24 pts0.81%0.77%-0.04 pts

This read was prepared for Quontic Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Quontic Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $300M to $1B
Institution www.quontic.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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