Quontic Bank

Astoria, NY · Cert 57807 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Quontic Bank Acquisition Corp.

State savings bank · OCC · 1 branch

Q2 2026

$787.0MAssets

$614.4MLoans

$693.9MDeposits

$86.4MEquity

Executive Summary

Strongest standing: return on equity outperforms 58% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 13 of 31).
Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 31 of 31).
Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.39%

Rank 16 of 31

Net Interest Margin

3.30%

Rank 16 of 31

Efficiency Ratio

89.28%

Rank 19 of 31

Equity / Assets

10.98%

Rank 22 of 31

Non-interest income vs. expense

Unfavorable gap of $22.7M · efficiency ratio beats 42% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.39%	-0.02%	0.39%	0.84%	Beats 48%	16 / 31
Return on Equity	3.52%	-0.19%	2.57%	5.72%	Beats 58%	13 / 31
Net Interest Margin	3.30%	2.51%	3.30%	3.85%	Beats 48%	16 / 31
Efficiency Ratio	89.28%	68.41%	83.66%	91.76%	Beats 42%	19 / 31
Asset Quality
Nonperforming Loans / Loans	3.53%	0.18%	0.47%	2.65%	Beats 20%	25 / 30
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.02%	Beats 33%	21 / 30
Capital
Tier 1 Capital Ratio	9.73%	13.24%	15.54%	26.77%	Beats 0%	31 / 31
Total Risk-Based Capital Ratio	9.73%	14.07%	16.32%	26.77%	Beats 0%	31 / 31
Equity / Assets	10.98%	10.38%	13.26%	17.83%	Beats 29%	22 / 31
Liquidity & Funding
Loans / Deposits	88.54%	84.03%	94.98%	103.65%	32nd pctl	21 / 31
Loans / Assets	78.07%	61.61%	75.31%	83.78%	55th pctl	14 / 31
Brokered Deposits / Deposits	n/a	Not reported for this institution