<SEC-DOCUMENT>0001193125-24-053473.txt : 20240229
<SEC-HEADER>0001193125-24-053473.hdr.sgml : 20240229
<ACCEPTANCE-DATETIME>20240229162206
ACCESSION NUMBER:		0001193125-24-053473
CONFORMED SUBMISSION TYPE:	NT 10-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20231231
FILED AS OF DATE:		20240229
DATE AS OF CHANGE:		20240229
EFFECTIVENESS DATE:		20240229

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NEW YORK COMMUNITY BANCORP INC
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				061377322
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		NT 10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31565
		FILM NUMBER:		24704040

	BUSINESS ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801
		BUSINESS PHONE:		5166834100

	MAIL ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUEENS COUNTY BANCORP INC
		DATE OF NAME CHANGE:	19930802
</SEC-HEADER>
<DOCUMENT>
<TYPE>NT 10-K
<SEQUENCE>1
<FILENAME>d785925dnt10k.htm
<DESCRIPTION>NT 10-K
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<TITLE>NT 10-K</TITLE>
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<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt; padding-right:2pt">CUSIP NUMBER</TD></TR>
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<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM&nbsp;12b-25 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>NOTIFICATION
OF LATE FILING </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top" ALIGN="right"><I>(Check One):&#8195;</I></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&#9746;&#8194;Form&nbsp;10-K&#8195; <FONT STYLE="white-space:nowrap">&#9744;&#8194;Form&nbsp;20-F&#8195;</FONT> <FONT
STYLE="white-space:nowrap">&#9744;&#8194;Form&nbsp;11-K&#8195;</FONT> <FONT STYLE="white-space:nowrap">&#9744;&#8194;Form&nbsp;10-Q</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">&#9744;&#8194;Form&nbsp;10-D&#8195; <FONT STYLE="white-space:nowrap">&#9744;&#8194;Form&nbsp;N-CEN&#8195;</FONT>
<FONT STYLE="white-space:nowrap">&#9744;&#8194;Form&nbsp;N-CSR</FONT></P></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">For&nbsp;Period&nbsp;Ended: December 31, 2023</TD></TR>
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<TD HEIGHT="8" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;&#8194;Transition Report on Form&nbsp;10-K</TD></TR>
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<TD HEIGHT="2"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;&#8194;Transition Report on Form&nbsp;20-F</TD></TR>
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<TD HEIGHT="2" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;&#8194;Transition Report on Form&nbsp;11-K</TD></TR>
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<TD HEIGHT="2" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;&#8194;Transition Report on Form&nbsp;10-Q</TD></TR>
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<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">For&nbsp;the&nbsp;Transition&nbsp;Period&nbsp;Ended: Not applicable</TD></TR>
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<TD HEIGHT="4" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD></TR>
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<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.</B></P>
<P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the notification relates to a portion of the filing checked above, identify the Item(s) to which the notification relates:
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART&nbsp;I&#151;REGISTRANT
INFORMATION </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:22pt; font-family:Times New Roman" ALIGN="center"><B>NEW YORK COMMUNITY BANCORP, INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Full Name of Registrant </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Not
applicable </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Former Name if Applicable </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>102 Duffy Avenue </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Address of
Principal Executive Office <I>(Street and Number)</I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Hicksville, New York 11801 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">City, State and Zip Code </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART
II&#151;RULES <FONT STYLE="white-space:nowrap">12b-25(b)</FONT> AND (c) </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the subject report could not be filed without unreasonable effort or
expense and the registrant seeks relief pursuant to Rule <FONT STYLE="white-space:nowrap">12b-25(b),</FONT> the following should be completed. (Check box if appropriate) </P> <P STYLE="margin-top:0pt;margin-bottom:0pt;page-break-before:always"></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="middle" ROWSPAN="3" STYLE="BORDER-RIGHT:1px solid #000000; padding-left:8pt">&#9746;&#8194;&#8201;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(a)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">The reasons described in reasonable detail in Part III of this form could not be eliminated without unreasonable effort or expense;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(b)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">The subject annual report, semi-annual report, transition report on Form 10-K, Form 20-F, Form 11-K, Form N-CEN or Form N-CSR, or portion thereof, will be filed on or before the fifteenth calendar day following the prescribed due
date; or the subject quarterly report or transition report on Form 10-Q or subject distribution report on Form 10-D, or portion thereof, will be filed on or before the fifth calendar day following the prescribed due date; and</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(c)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">The accountant&#146;s statement or other exhibit required by Rule <FONT STYLE="white-space:nowrap">12b-25(c)</FONT> has been attached if applicable.</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART&nbsp;III&#151;NARRATIVE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">State below in reasonable detail why Form <FONT STYLE="white-space:nowrap">10-K,</FONT> <FONT STYLE="white-space:nowrap">20-F,</FONT> <FONT
STYLE="white-space:nowrap">11-K,</FONT> <FONT STYLE="white-space:nowrap">10-Q,</FONT> <FONT STYLE="white-space:nowrap">10-D,</FONT> <FONT STYLE="white-space:nowrap">N-CEN,</FONT> <FONT STYLE="white-space:nowrap">N-CSR,</FONT> or the transition
report or portion thereof, could not be filed within the prescribed time period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York Community Bancorp, Inc. (the &#147;Company,&#148;
&#147;NYCB,&#148; &#147;we&#148; or &#147;our&#148;) has determined that it is unable to file, without unreasonable effort or expense, its Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended December&nbsp;31,
2023 (the &#147;2023 Form <FONT STYLE="white-space:nowrap">10-K&#148;)</FONT> by the prescribed due date for the reasons described below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On
January&nbsp;31, 2024, NYCB filed a Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> furnishing under Items 2.02 and 9.01 the Company&#146;s press release announcing its unaudited financial results for the fourth quarter and fiscal
year ended December&nbsp;31, 2023 (the &#147;Original Filing&#148;). The full text of the press release was included as Exhibit 99.1 to the Original Filing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On February&nbsp;29, 2024, NYCB filed with the Securities and Exchange Commission (the &#147;SEC&#148;) an Amendment (the &#147;Amendment&#148;) to the
Original Filing to reflect, among other things, (a)&nbsp;an adjustment related to a goodwill impairment with respect to 2007 and prior transactions, as more fully described therein, (b)&nbsp;certain measurement period adjustments impacting the
Company&#146;s bargain purchase gain from the Company&#146;s acquisition of certain assets and liabilities of the former&nbsp;Signature&nbsp;Bank&nbsp;through a Federal Deposit Insurance Corporation facilitated transaction and (c) an adjustment for
a type 1 subsequent event (as more fully described in the Amendment). Each of these adjustments were identified by NYCB&#146;s management after the date of the Original Filing and as part of the Company&#146;s customary procedures to finalize its
financial statements for inclusion in its Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended December&nbsp;31, 2023 (the &#147;2023 Form <FONT STYLE="white-space:nowrap">10-K&#148;).</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Separately, as part of management&#146;s assessment of the Company&#146;s internal controls, management identified material weaknesses in the Company&#146;s
internal controls related to internal loan review, resulting from ineffective oversight, risk assessment and monitoring activities. Although assessment of the Company&#146;s internal controls is not yet complete, the Company expects to disclose in
the 2023 Form <FONT STYLE="white-space:nowrap">10-K</FONT> that its disclosure controls and procedures and internal control over financial reporting were not effective as of December&nbsp;31, 2023. The Company&#146;s remediation plan with respect to
such material weaknesses is expected to be described in the 2023 Form <FONT STYLE="white-space:nowrap">10-K.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company has been working
diligently to finalize the 2023 Form <FONT STYLE="white-space:nowrap">10-K;</FONT> however, the Company must complete its work related to the evaluation and planning for remediation of the material weaknesses described above and other items included
in the Amendment. Accordingly, the Company has determined that it is unable to file, without unreasonable effort or expense, the 2023 Form <FONT STYLE="white-space:nowrap">10-K</FONT> by the prescribed due date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company expects to file its 2023 Form <FONT STYLE="white-space:nowrap">10-K</FONT> within the fifteen calendar day grace period provided by Form <FONT
STYLE="white-space:nowrap">12b-25.</FONT> The Company does not currently anticipate that its statement of operations contained in the 2023 Form <FONT STYLE="white-space:nowrap">10-K</FONT> will differ materially from those reported for the full
fiscal year ended December&nbsp;31, 2023, in the Amendment dated February&nbsp;29, 2024. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Forward-Looking Statements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The foregoing disclosure may include <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements by the Company pertaining to such matters as our goals,
intentions, and expectations regarding the timeframe in which the Company expects to file its 2023 Form <FONT STYLE="white-space:nowrap">10-K;</FONT> revenues, earnings, loan production, asset quality, capital levels, and acquisitions, among other
matters; our estimates of future costs and benefits of the actions we may take; our assessments of probable losses on loans; our assessments of interest rate and other market risks; and our ability to achieve our financial and other strategic goals,
including those related to our merger with Flagstar Bancorp, Inc., which was completed on December&nbsp;1, 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, and our transition to a
$100&nbsp;billion plus bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Forward-looking</FONT> statements are typically identified by such words as
&#147;believe,&#148; &#147;expect,&#148; &#147;anticipate,&#148; &#147;intend,&#148; &#147;outlook,&#148; &#147;estimate,&#148; &#147;forecast,&#148; &#147;project,&#148; &#147;should,&#148; and other similar words and expressions, and are subject
to numerous assumptions, risks, and uncertainties, which change over time. Additionally, <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements speak only as of the date they are made; the Company does not assume any duty, and does not
undertake, to update our <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements. Furthermore, because <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements are subject to assumptions and uncertainties, actual results or
future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements are subject to the following principal risks and uncertainties: general economic
conditions and trends, either nationally or locally; conditions in the securities markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in
real estate values; changes in the quality or composition of our loan or investment portfolios; changes in future allowance for credit losses requirements under relevant accounting and regulatory requirements; the ability to pay future dividends at
currently expected rates; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; changes in competitive pressures among financial institutions or from
<FONT STYLE="white-space:nowrap">non-financial</FONT> institutions; changes in legislation, regulations, and policies; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring of our mortgage
business; the impact of failures or disruptions in or breaches of the Company&#146;s operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural
disasters, extreme weather events, military conflict (including the Russia/Ukraine conflict, the conflict in Israel and surrounding areas, the possible expansion of such conflicts and potential geopolitical consequences), terrorism or other
geopolitical events; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties
with respect to our merger with Flagstar Bancorp, which was completed on December&nbsp;1, 2022, and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction: the possibility that the anticipated
benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired
companies or the combined business; diversion of management&#146;s attention from ongoing business operations and opportunities; the possibility that the Company may be unable to achieve expected synergies and operating efficiencies in or as a
result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected. Additionally, there can be no assurance that the Community Benefits Agreement entered into with NCRC, which was
contingent upon the closing of the Company&#146;s merger with Flagstar Bancorp, Inc., will achieve the results or outcome originally expected or anticipated by us as a result of changes to our business strategy, performance of the U.S. economy, or
changes to the laws and regulations affecting us, our customers, communities we serve, and the U.S. economy (including, but not limited to, tax laws and regulations). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form
<FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2022, Quarterly Reports on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarters ended March&nbsp;31, 2023, June&nbsp;30, 2023, and September&nbsp;30,
2023 and in other SEC reports we file. Our <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements may also be subject to other risks and uncertainties, including those we may discuss in this filing, during investor presentations, or in
our other SEC filings, which are accessible on our website and at the SEC&#146;s website, www.sec.gov. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART&nbsp;IV&#151;OTHER
INFORMATION </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top">(1)</TD>
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<TD VALIGN="bottom">&#8195;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9">Name and telephone number of person to contact in regard to this notification</TD></TR>
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<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000">John Pinto</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&#8195;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>516</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&#8195;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>683-4157</B></TD></TR>
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<TD VALIGN="bottom" ALIGN="center">(Name)</TD>
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<TD VALIGN="bottom" ALIGN="center">(Area&nbsp;Code)</TD>
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<TD VALIGN="bottom" ALIGN="center">(Telephone&nbsp;Number)</TD></TR>
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<TD VALIGN="top">(2)</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Have all other periodic reports required under Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934 or
Section&nbsp;30 of the Investment Company Act of 1940 during the preceding 12 months or for such shorter period that the registrant was required to file such report(s) been filed? If answer is no, identify report(s).</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Yes&#8194;&#9744;&#8195;&#8195;&#8195;No&#8194;&#9746;</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;The Company has
not yet filed an Form <FONT STYLE="white-space:nowrap">8-K</FONT> (Item 9.01) containing audited financial statements related to its acquisition of certain assets and liabilities of Signature Bank from the Federal Deposit Insurance Corporation (the
&#147;FDIC&#148;) in accordance with Regulation <FONT STYLE="white-space:nowrap">S-X</FONT> Rule <FONT STYLE="white-space:nowrap">3-05.</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;On February&nbsp;13, 2024, the Company filed an Form <FONT STYLE="white-space:nowrap">8-K</FONT>
announcing, among other things, that director Toan C. Huynh notified the Company on February&nbsp;6, 2024, of her decision to resign from the boards of directors of the Company and Flagstar. Such filing was one day late.</P></TD></TR>
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<TD HEIGHT="8" COLSPAN="10"></TD></TR>
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<TD VALIGN="top">(3)</TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="9"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Is it anticipated that any significant change in results of operations from the corresponding period for the last fiscal year
will be reflected by the earnings statements to be included in the subject report or portion thereof ?</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Yes&#8194;&#9746;&#8195;&#8195;&#8195;No&#8194;&#9744;</P></TD></TR>
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<TD VALIGN="bottom" COLSPAN="9">If so, attach an explanation of the anticipated change, both narratively and quantitatively, and, if appropriate, state the reasons why a reasonable estimate of the results cannot be made.</TD></TR>
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<TD VALIGN="bottom" COLSPAN="9">When the Company completes the preparation of the 2023 Form <FONT STYLE="white-space:nowrap">10-K</FONT> discussed in Part III above, the Company expects to report a significant increase in net loss for the fiscal
year ended December&nbsp;31, 2023, as compared to the corresponding fiscal year ended December&nbsp;31, 2022, as disclosed in the Consolidated Statements of Condition, Consolidated Statements of (Loss) Income, and Reconciliations of Certain GAAP and
Non-GAAP Financial Measures, for the fourth quarter and fiscal year ended December 31, 2023 attached to the Amendment as Exhibit 99.1.</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>New York Community Bancorp, Inc. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">(Name of Registrant as Specified in Charter) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">has
caused this notification to be signed on its behalf by the undersigned hereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom" STYLE="padding-bottom:2pt ;">Date:</TD>
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<TD VALIGN="bottom" STYLE="padding-bottom:2pt ;">February&nbsp;29, 2024</TD>
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<TD VALIGN="bottom" STYLE="padding-bottom:2pt ;">By:&#8201;</TD>
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<TD VALIGN="bottom" STYLE="padding-bottom:2pt ;BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ John Pinto</P></TD></TR>
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<TD VALIGN="bottom">John Pinto</TD></TR>
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<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Senior Executive Vice President</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">and Chief Financial Officer</P></TD></TR>
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