Astoria Bank


37-16 30th Avenue
Long Island City, NY 11103
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Astoria Bank is an FDIC insured institution located in Long Island City, NY. It was founded in 1888 and has approximately $13.88 billion in assets.

FDIC Insured Yes
FDIC Certificate # 29805
Date Established 1888
Assets $ 14.07 billion
Loans $ 9.47 billion
Deposits $ 9.23 billion
Capital $ 1,850.99 million

For a more detailed analysis of Astoria Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 15, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - October 15, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Astoria Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CIT Bank
NMLS ID: 541760
3.052% 2.975%
1.00 points
$2,482 fees
$1,051 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Astoria Bank
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Climate Initiatives

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Financial Details

Astoria Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Astoria Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Astoria Bank U.S. Bank Average
8.06% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Astoria Bank had $137,943,000 in non-current loans and $17,705,000 in owned real estate. To cover these potential losses it had $1,850,989,000 in equity and $79,293,000 in loans loss reserves. That gives it a Texas Ratio of 8.06%.

Return on Equity
Astoria Bank U.S. Bank Average
4.14% 11.29%

Astoria Bank has a Return on Equity of 4.14% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Astoria Bank U.S. Bank Average
13.16% 11.72%

Astoria Bank has a Capitalization of 13.16% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Astoria Bank Balance Sheet Analysis

As of September 30, 2017, Astoria Bank had assets of $13,882,898,000, loans of $9,465,287,000, and deposits of $9,232,555,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 9.47 billion
Loan loss allowance $ 79.29 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 17.71 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 9.23 billion
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 14.07 billion

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Astoria Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Commercial Real Estate.

Compared to other banks in New York, Astoria Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.80
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.88
Construction and Development Loans 0.00
Commercial Real Estate 6.72
Commercial and Industrial Loans 1.04
Farm Loans 0.00

Frequently Asked Questions About Astoria Bank

Branches and Savings

Is Astoria Bank FDIC insured?

Yes. It is covered under FDIC Certificate #29805.

Why does Astoria Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Astoria Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Astoria Bank a commercial bank?


Where are Astoria Bank locations?

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Is Astoria Bank open on Saturdays?

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Do Astoria Bank ATMs accept cash deposits?

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Will the Astoria Bank branch print checks?

Do Astoria Bank checks expire?

Does Astoria Bank require US citizenship to open account?

Can Astoria Bank close my account?

Does Astoria Bank Report to credit bureaus?

Does Astoria Bank Use Equifax?

What is Astoria Bank's ACH Routing Number?

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Does Astoria Bank offer mortgages?

Compare mortgage rates here.

Does Astoria Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Astoria Bank offer personal loans?

Compare personal loan rates here.

Does Astoria Bank offer student loans?

Will Astoria Bank cash a check?

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Background on The Bank

Who owns Astoria Bank?

How long has Astoria Bank been around?

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Does Astoria Bank have quick pay?

Does Astoria Bank accept rolled coins?

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