Bank · FDIC insured
Quontic Digital Bank
Top CarrotA $787M bank headquartered in Astoria, NY, with 1 branch in New York. It opens accounts online nationwide. Best rates: CDs 4.00% and savings 3.90% APY.
Quontic Digital Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#13 of 19 nationwide online banksHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Quontic Digital Bank
Quontic Bank began as a community bank in 2009 and is a Certified Community Development Financial Institution (CDFI).
The digital bank provides inclusive mortgage solutions and home lending across all 50 states for diverse and non-traditional borrowers.
- Headquarters
- 3105 Broadway, Astoria, NY 11106
- FDIC certificate
- 57807 ↗
Branches
1 branch in New York
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New York
1 branch
- Quontic BankMain office3105 Broadway, Astoria, NY 11106Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.73% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.53% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.37% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $89 | $81 | — |
- CapitalLeverage ratio9.73%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.53%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.37%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$89Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Quontic Digital Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.