New York Community Bancorp Inc is the bank holding company. It is a New York State-chartered savings bank that operates through eight local divisions: Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, RooseveltSavings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio, and AmTrust Bank in Florida and Arizona. The bank competes for depositors in diverse markets with a comprehensive menu of products and services, and access to multiple service channels, including online banking, mobile banking, and banking by phone. It is also a producer of multi-family loans in New York City.