Table of Contents As filed with the Securities and Exchange Commission on June 21, 2024 Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Joseph M. Otting President and Chief Executive Officer 102 Duffy Avenue Hicksville, New York 11801 Telephone: (516) 683-4100 (Name, address, including zip code, and telephone number, including area code, of agent for service) Copies to: NEW YORK COMMUNITY BANCORP, ...

Core Insights - Signature Bank's failure was attributed to poor management and inadequate risk policing practices, which left it vulnerable to the contagion effects from the collapses of Silvergate Bank and Silicon Valley Bank [11] - The FDIC identified the bank's involvement in the digital asset sector, particularly after the downfall of FTX, as a significant factor in its failure [3][2] - New York Community Bancorp (NYCB) acquired assets from Signature Bank, including customer deposits and loans, with a total estimated fair value of $37.8 billion [4][10] Group 1: Signature Bank's Collapse - Signature Bank collapsed shortly after the failure of Silicon Valley Bank and the self-liquidation announcement by Silvergate Bank [5] - The bank had previously focused on commercial real estate but shifted to accepting cryptocurrency deposits in 2018, establishing relationships with major crypto players [9] - Following the seizure of Silicon Valley Bank, Signature Bank faced a crisis of confidence, exacerbated by its exposure to the struggling crypto industry [6] Group 2: Acquisition by NYCB - NYCB's wholly-owned subsidiary, Flagstar Bank, assumed liabilities with an estimated fair value of $35.7 billion, including $33.5 billion in customer deposits [1] - The acquisition occurred in March 2023, just one week after the FDIC took control of Signature Bank [8] - The assets acquired included $24.9 billion in cash and cash equivalents and $11.7 billion in loans and leases [10]

KEY PROPOSALS PASS WITH STRONG MAJORITY Preliminary results also indicated that the Company's shareholders ratified and/or approved the following: "I am pleased with the preliminary results from our annual meeting today which indicate overwhelming shareholder support for the key proposals presented for a vote, as each was approved by a strong majority" commented Joseph Otting, President and Chief Executive Officer. "We believe the preliminary results of today's vote reflects shareholder confidence in manage ...

HICKSVILLE, N.Y., June 4, 2024 /PRNewswire/ -- New York Community Bancorp, Inc. (NYSE: NYCB) (the "Company"), the parent company of Flagstar Bank, N.A. (the "Bank") announced that on June 3, 2024, the Board of Directors appointed President and Chief Executive Officer, Joseph M. Otting, to the additional role of Executive Chairman of the Board of both the Company and the Bank, effective as of the close of business on June 5, 2024. Mr. Otting's appointment will better facilitate his ability, alongside the new ...

"I'm worried about a handful of them," Sheila Bair, who headed the FDIC during the financial crisis of 2008, said in April. "I think some of them are still overly reliant on industry deposits, have a lot of concentrated commercial real estate exposure, and then I think the larger picture really is the potential instability of their uninsured deposits even for the healthy ones if we have another bank failure." As those banks began reporting earnings, Bair said she was worried that issues that hurt the indust ...

New York Community Bancorp, Inc. (NYCB) has entered into a commitment letter with JPMorgan Chase & Co. (JPM) to sell around $5 billion in mortgage warehouse loans to the latter. Sale proceeds will be reinvested into cash and securities, thereby bolstering the company's liquidity profile. With this, on a pro-forma basis, the ratio of cash and securities to total assets is projected to improve to 24% from 20% at Mar 31, 2024. Upon closing, NYCB expects the transaction to increase the CET1 capital ratio by 65 ...

Key Takeaways Shares in New York Community Bancorp (NYCB) jumped nearly 6% in premarket trading Wednesday after the embattled regional bank said late Tuesday that it had agreed to sell around $5 billion of mortgage warehouse loans to JPMorgan Chase (JPM) in a deal aimed at shoring up its liquidity and capital as it undergoes a turnaround to return to profitability. NYCB, which expects to complete the sale in the third quarter, anticipates the deal will add 65 basis points to its common equity tier 1 (CET1) ...

TRANSACTION WILL INCREASE CET1 CAPITAL RATIO TO 10.8% ON A PROFORMA BASIS AND FURTHER BOLSTER LIQUIDITY LOAN-TO-DEPOSIT RATIO IMPROVES TO 104% HICKSVILLE, N.Y., May 14, 2024 /PRNewswire/ -- New York Community Bancorp, Inc. (NYSE: NYCB) (the "Company"), the parent company of Flagstar Bank, N.A. (the "Bank") announced today that it has agreed to sell approximately $5 billion in mortgage warehouse loans to JPMorgan Chase Bank, N.A. ("JPMC"). Upon closing, the Company expects that the transaction will add 65 ba ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-16577 | Title of each class | Trading Symbol | Name of each exchange on which registered | | --- | --- | --- | | Common Stock, $0.01 par value per share | NYCB | ...

New York Community Bancorp, Inc. (NYCB) is aiming to diversify its loan portfolio. Loan portfolio repricing will drive net interest income (NII) growth, while cross-selling opportunities will aid fee income. Yet, commercial real estate (CRE) loan exposure is concerning, and unexpected losses on its New York office and multi-family property could create headwinds. The bank has a strong balance sheet. Deposits saw a four-year (2019-2023) compound annual growth rate (CAGR) of 26%, while net loans witnessed a C ...