Quontic Bank: how it compares with its peers
Against 35 NY banks with half to twice its assets, Quontic Bank's strongest measure in Q2 2026 is net interest margin (3.42% vs. a 3.64% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $7.7M).
| Measure | Quontic Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.37% | 0.80% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.42% | 3.64% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 89.28% | 71.64% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $7.7M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.36% | 83.57% | Context |
What it means for lending operations
Its efficiency ratio of 89.28% is above the 71.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Community Federal Savings Bank Woodhaven, NY · $827M
- Lake Shore Bank Dunkirk, NY · $736M
- First National Bank of Scotia Scotia, NY · $719M
- Jeff Bank, National Association Jeffersonville, NY · $686M
- Geddes Federal Savings and Loan Association Syracuse, NY · $686M
- Carver Federal Savings Bank New York, NY · $658M
Questions about Quontic Bank
How big is Quontic Bank?
Quontic Bank, established in 2005, is headquartered in Astoria, NY. It reported $787M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Quontic Bank's return on assets?
0.37% annualized in Q2 2026, against a 0.80% median for 35 NY banks with half to twice its assets, ahead of 31% of them.
What is Quontic Bank's efficiency ratio?
89.28% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 71.64%, and lower is better.
Is Quontic Bank growing its loans?
Net loans grew 7.6% over the year to Q2 2026, while deposits grew 6.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.