<SEC-DOCUMENT>0001157523-17-002829.txt : 20171026
<SEC-HEADER>0001157523-17-002829.hdr.sgml : 20171026
<ACCEPTANCE-DATETIME>20171026160522
ACCESSION NUMBER:		0001157523-17-002829
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171026
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20171026
DATE AS OF CHANGE:		20171026

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NEW YORK COMMUNITY BANCORP INC
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				061377322
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31565
		FILM NUMBER:		171156342

	BUSINESS ADDRESS:	
		STREET 1:		615 MERRICK AVE
		CITY:			WESTBURY
		STATE:			NY
		ZIP:			11590
		BUSINESS PHONE:		7183596400

	MAIL ADDRESS:	
		STREET 1:		615 MERRICK AVE
		CITY:			WESTBURY
		STATE:			NY
		ZIP:			11590

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUEENS COUNTY BANCORP INC
		DATE OF NAME CHANGE:	19930802
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a51706170.htm
<DESCRIPTION>NEW YORK COMMUNITY BANCORP, INC. 8-K
<TEXT>
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    <p style="text-align: center">
      <br>
      <br>
      <font style="font-family: Times New Roman; font-size: 11pt"><b>UNITED
      STATES</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt"><b>SECURITIES
      AND EXCHANGE COMMISSION</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt">Washington,
      D.C. 20549</font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt"><b>FORM
      8-K</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt"><b>CURRENT
      REPORT</b></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt">Pursuant
      to Section 13 or 15(d) of the Securities Exchange Act of 1934</font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt">Date
      of Report </font><font style="font-size: 11pt">(Date of earliest event
      reported)</font><font style="font-family: Times New Roman; font-size: 11pt">:
      </font><u><font style="font-family: Times New Roman; font-size: 11pt">October
      26, 2017</font></u><br><br><br><u><font style="font-size: 11pt"><b>NEW
      YORK COMMUNITY BANCORP, INC.</b></font></u><font style="font-size: 11pt"><br style="font-size: 11pt"></font><font style="font-family: Times New Roman; font-size: 11pt">(Exact
      name of registrant as specified in its charter)</font><br><br>
    </p>
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          <p style="margin-bottom: 0px; margin-top: 0px">
            Delaware
          </p>
        </td>
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          &#160;
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        <td style="border-bottom-style: solid; text-align: center; width: 24%; border-bottom-color: black; padding-left: 0.0px; padding-right: 0.0px; border-bottom-width: 1.0pt; white-space: nowrap" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            1-31565
          </p>
        </td>
        <td style="width: 10%">
          &#160;
        </td>
        <td style="border-bottom-style: solid; text-align: center; width: 28%; border-bottom-color: black; padding-left: 0.0px; padding-right: 0.0px; border-bottom-width: 1.0pt; white-space: nowrap" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            06-1377322
          </p>
        </td>
      </tr>
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        <td style="text-align: center; width: 28%; padding-left: 0.0px" valign="bottom">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (State or other jurisdiction of<br>incorporation or organization)
          </p>
        </td>
        <td style="width: 10%">

        </td>
        <td style="text-align: center; width: 24%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Commission File Number
          </p>
        </td>
        <td style="width: 10%">

        </td>
        <td style="text-align: center; width: 28%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (I.R.S. Employer Identification No.)
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-align: center">
      <u>615 Merrick Avenue, Westbury, New York 11590</u><br>&#160;(Address of
      principal executive offices)<br><br><u>(516) 683-4100</u><br>(Registrant's
      telephone number, including area code)<br><br><u>Not applicable</u><br>&#160;(Former
      name or former address, if changed since last report)<br><br><br>
    </p>
    <p>
      <font style="font-family: Times New Roman; font-size: 10pt">Check the
      appropriate box below if the Form 8-K filing is intended to
      simultaneously satisfy the filing obligation of the registrant under any
      of the following provisions:</font>
    </p>
    <p>
      <font style="font-size: 10pt">&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Written
      communications pursuant to Rule 425 under the Securities Act (17 CFR
      230.425)</font><br><font style="font-size: 10pt">&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Soliciting
      material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)</font><br><font style="font-size: 10pt">&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
      240.14d-2(b))</font><br><font style="font-size: 10pt">&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
      240.13e-4(c))</font>
    </p>
    <p>
      Indicate by check mark whether the registrant is an emerging growth
      company as defined in Rule 405 of the Securities Act of 1933 (17 CFR
      &#167;230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR
      &#167;240.12b-2).
    </p>
    <p>
      Emerging growth company <font style="font-family: Arial Unicode MS; font-size: 12pt">&#8414;</font>
    </p>
    <p>
      If an emerging growth company, indicate by check mark if the registrant
      has elected not to use the extended transition period for complying with
      any new or revised financial accounting standards provided pursuant to
      Section 13(a) of the Exchange Act. <font style="font-family: Arial Unicode MS; font-size: 12pt">&#8414;</font>
    </p>
    <p>

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        </div>
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          <hr style="height: 1.5pt; color: black">

        </div>
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        <div style="text-align: right">

        </div>
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    </div>
    <p>

    </p>
    <p style="text-align: center">
      <u>CURRENT REPORT ON FORM 8-K</u>
    </p>
    <p style="white-space: nowrap">

    </p>
<div style="text-align:left">
    <table style="font-family: Times New Roman; width: 100%; font-size: 10pt; margin-bottom: 10.0px" cellspacing="0">
      <tr>
        <td style="text-align: left; width: 10%; padding-left: 0.0px" valign="top">
          ITEM 7.01:
        </td>
        <td style="text-align: left; width: 2%; padding-left: 0.0px" valign="top">
          &#160;
        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Regulation FD Disclosure</u>
          </p>
        </td>
      </tr>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 88%">
          &#160;
        </td>
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        <td style="text-align: left; width: 10%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 2%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          On October 26, 2017, in accordance with the Dodd-Frank Wall Street
          Reform and Consumer Protection Act (the &#8220;Dodd-Frank Act&#8221;) and the
          regulations promulgated thereunder by the Board of Governors of the
          Federal Reserve System (the &#8220;FRB&#8221;), New York Community Bancorp, Inc.
          (the &quot;Company&quot;) disclosed the results of, and risks and assumptions
          relating to, its 2017 Dodd-Frank Act company-run stress test
          (&#8220;DFAST&#8221;) under the Severely Adverse Scenario established by the FRB
          on February 10, 2017.
        </td>
      </tr>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 88%">
          &#160;
        </td>
      </tr>
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        <td style="text-align: left; width: 10%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 2%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          The DFAST results reflect the Company&#8217;s estimates of losses,
          pre-provision net revenue, provisions for loan and lease losses, net
          income, and capital levels over a nine-quarter planning horizon
          beginning December 31, 2016 and ending March 31, 2019.
        </td>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 88%">
          &#160;
        </td>
      </tr>
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        <td style="text-align: left; width: 10%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 2%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          The Company&#8217;s estimates for the nine-quarter planning horizon are
          based on a forward-looking exercise using hypothetical, severely
          adverse, macroeconomic assumptions developed by the FRB. They do not
          represent a forecast of expected future economic or financial
          conditions, nor do they represent a Company forecast of future
          financial condition or results of operations.
        </td>
      </tr>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 88%">
          &#160;
        </td>
      </tr>
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        <td style="text-align: left; width: 10%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 2%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Results for both the Company and its primary bank subsidiary, New
            York Community Bank, were posted to the Company&#8217;s website,
            www.myNYCB.com, under &#8220;Investor Relations&#8221; and can be accessed by
            clicking on &#8220;Financial Results&#8221; and then on &#8220;Regulatory
            Disclosures.&#8221;
          </p>
        </td>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 88%">
          &#160;
        </td>
      </tr>
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        <td style="text-align: left; width: 10%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 2%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          A copy of the press release announcing disclosure of the DFAST
          results is attached as Exhibit 99.1 to this Current Report on Form
          8-K.
        </td>
      </tr>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 88%">
          &#160;
        </td>
      </tr>
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        <td style="text-align: left; width: 10%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 2%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          The DFAST results and the press release announcing the disclosure of
          those results are being furnished pursuant to Item 7.01, and the
          information contained therein shall not be deemed &#8220;filed&#8221; for
          purposes of Section 18 of the Securities and Exchange Act of 1934,
          or otherwise subject to the liabilities under that Section.
          Furthermore, the information contained in this Item 7.01 and Exhibit
          99.1 shall not be deemed to be incorporated by reference into the
          filings of the Company under the Securities Act of 1933.
        </td>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 88%">
          &#160;
        </td>
      </tr>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            The information contained in or incorporated by reference to this
            Current Report on Form 8-K contains certain forward-looking
            statements, including projections of financial condition, results
            of operations, plans, objectives, and future performance or
            business under a hypothetical, severely adverse scenario that
            incorporates a set of assumed economic and financial conditions
            prescribed by the FRB, and may address issues that involve
            significant risk, uncertainties, estimates, expectations, and
            assumptions made by management. Actual results may differ
            materially from current projections and will be influenced by
            actual economic and financial conditions, as well as by various
            other factors, as described in the Company&#8217;s annual, quarterly,
            and current reports filed with the Securities and Exchange
            Commission, which are available at the Company&#8217;s website and at
            www.sec.gov.
          </p>
        </td>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 88%">
          &#160;
        </td>
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        <td style="text-align: left; width: 10%; padding-left: 0.0px" valign="top">
          ITEM 9.01:
        </td>
        <td style="text-align: left; width: 2%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Financial Statements and Exhibits</u>
          </p>
        </td>
      </tr>
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        <td style="width: 10%">

        </td>
        <td style="width: 2%">

        </td>
        <td style="width: 88%">
          &#160;
        </td>
      </tr>
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        <td style="text-align: right; width: 10%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            (d)
          </p>
        </td>
        <td style="text-align: left; width: 2%; padding-left: 0.0px" valign="top">

        </td>
        <td style="text-align: left; width: 88%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Attached as Exhibit 99.1 is the press release issued by the
            Company on October 26, 2017 to report the disclosure of its 2017
            DFAST results.
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="white-space: nowrap">

    </p>
    <div style="text-indent: 0pt; width: 100%; margin-bottom: 10pt; margin-right: 0pt; margin-left: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p style="text-align: center">
      <u><font style="font-family: Times New Roman; font-size: 10pt">SIGNATURE</font></u><br>
    </p>
    <p style="text-indent: 30.0px">

    </p>
    <p style="font-family: Times New Roman; text-indent: 30.0px; font-size: 10pt">
      <font style="font-family: Times New Roman; font-size: 10pt">Pursuant to
      the requirements of the Securities Exchange Act of 1934, the registrant
      has duly caused this report to be signed on its behalf by the
      undersigned hereunto duly authorized.</font>
    </p>
    <p style="text-indent: 30.0px">

    </p>
    <div style="text-align:center">
    <table style="font-family: Times New Roman; margin-left:auto;margin-right:auto; width: 100%; font-size: 10pt; margin-bottom: 10.0px" cellspacing="0">
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        <td style="text-align: left; width: 5%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Date:
          </p>
        </td>
        <td style="text-align: left; width: 45%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>October 26, 2017</u>
          </p>
        </td>
        <td style="text-align: left; width: 50%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            NEW YORK COMMUNITY BANCORP, INC.
          </p>
        </td>
      </tr>
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        <td style="width: 5%">

        </td>
        <td style="text-align: center; width: 45%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 50%">

        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="text-align: left; width: 45%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            &#160;
          </p>
        </td>
        <td style="text-align: left; width: 50%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>/s/ Salvatore J. DiMartino</u>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="width: 45%">

        </td>
        <td style="text-align: left; width: 50%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Salvatore J. DiMartino
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="width: 45%">

        </td>
        <td style="text-align: left; width: 50%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            First Senior Vice President
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 5%">

        </td>
        <td style="width: 45%">

        </td>
        <td style="text-align: left; width: 50%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            Director, Investor Relations and Strategic Planning
          </p>
        </td>
      </tr>
    </table>
    </div>
    <div style="text-indent: 0pt; width: 100%; margin-bottom: 10pt; margin-right: 0pt; margin-left: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p style="text-align: center">
      <u>EXHIBIT INDEX</u><br><br>
    </p>
    <div style="text-align:center">
    <table style="font-family: Times New Roman; margin-left:auto;margin-right:auto; width: 100%; font-size: 10pt; margin-bottom: 10.0px" cellspacing="0">
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        <td style="text-align: left; width: 20%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Exhibit Number</u>
          </p>
        </td>
        <td style="text-align: left; width: 80%; padding-left: 0.0px" valign="top">
          <p style="margin-bottom: 0px; margin-top: 0px">
            <u>Description</u>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 20%">

        </td>
        <td style="text-align: left; width: 80%; padding-left: 0.0px" valign="top">
          &#160;
        </td>
      </tr>
      <tr>
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          <p style="margin-bottom: 0px; margin-top: 0px">
            <a href="a51706170ex99_1.htm">Exhibit 99.1</a>
          </p>
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          <p style="margin-bottom: 0px; margin-top: 0px">
            <a href="a51706170ex99_1.htm">Press release issued by the Company
            on October 26, 2017.</a>
          </p>
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<TYPE>EX-99.1
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<FILENAME>a51706170ex99_1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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    <p style="text-align: right">
      <b>Exhibit 99.1</b>
    </p>
    <p style="text-align: center">
      <u><font style="font-family: Times New Roman; font-size: 12pt"><b>New
      York Community Bancorp, Inc. Discloses Its 2017 Dodd-Frank Act
      Company-Run Stress Test Results under the Severely Adverse Scenario</b></font></u>
    </p>
    <p>
      WESTBURY, N.Y.--(BUSINESS WIRE)--October 26, 2017--In accordance with
      the Dodd-Frank Wall Street Reform and Consumer Protection Act (the
      &#8220;Dodd-Frank Act&#8221;) and the regulations promulgated thereunder by the
      Board of Governors of the Federal Reserve System (the &#8220;FRB&#8221;), New York
      Community Bancorp, Inc. (NYSE: NYCB) (the &#8220;Company&#8221;) today disclosed the
      results of its 2017 Dodd-Frank Act company-run stress test (&#8220;DFAST&#8221;)
      under the Severely Adverse Scenario established by the FRB on February
      10, 2017.
    </p>
    <p>
      The DFAST results reflect the Company&#8217;s estimates of losses,
      pre-provision net revenue, provision for loan and lease losses, net
      income, and capital levels under the FRB&#8217;s Severely Adverse Scenario
      over a nine-quarter planning horizon beginning December 31, 2016 and
      ending March 31, 2019.
    </p>
    <p>
      The Company&#8217;s 2017 DFAST results are not intended to be a forecast of
      the Company&#8217;s future financial condition or results of operations but,
      rather, a possible outcome based on the hypothetical severely adverse
      macroeconomic conditions developed by the FRB for 2017 DFAST purposes.
    </p>
    <p>
      The Company&#8217;s DFAST results, along with those of its primary bank
      subsidiary, New York Community Bank, have been posted to the Company&#8217;s
      website, <u>www.myNYCB.com</u>, under &#8220;Investor Relations&#8221; and can be
      accessed by clicking on &#8220;Financial Results&#8221; and then on &#8220;Regulatory
      Disclosures.&#8221;
    </p>
    <p>
      <u><b>About New York Community Bancorp, Inc.</b></u>
    </p>
    <p>
      One of the largest U.S. bank holding companies, with assets of $48.5
      billion, New York Community Bancorp, Inc. is a leading producer of
      multi-family loans on non-luxury, rent-regulated apartment buildings in
      New York City, and the parent of New York Community Bank and New York
      Commercial Bank. With deposits of $28.9 billion and 255 branches in
      Metro New York, New Jersey, Florida, Ohio, and Arizona, the Company also
      ranks among the largest depositories in the United States.
    </p>
    <p>
      Reflecting its growth through a series of acquisitions, the Community
      Bank currently operates through seven local divisions, each with a
      history of service and strength: Queens County Savings Bank, Roslyn
      Savings Bank, Richmond County Savings Bank, and Roosevelt Savings Bank
      in New York; Garden State Community Bank in New Jersey; Ohio Savings
      Bank in Ohio; and AmTrust Bank in Florida and Arizona. Similarly, New
      York Commercial Bank currently operates 18 of its 30 New York-based
      branches under the divisional name Atlantic Bank. Additional information
      about the Company and its bank subsidiaries is available at <u>www.myNYCB.com</u>
      and <u>www.NewYorkCommercialBank.com</u>.
    </p>
    <p style="text-align: center">

    </p>
    <p>
      CONTACT:<br>New York Community Bancorp, Inc.<br>Investor:<br>Salvatore
      J. DiMartino, 516-683-4286<br>or<br>Media:<br>Kelly Maude Leung,
      516-683-4032
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