New York Community Bancorp, Inc. is a multi-bank holding company and has two primary subsidiaries: New York Community Bank and New York Commercial Bank (referred to as the Community Bank and the Commercial Bank, respectively, and collectively as the Banks). The Community Bank is a New York State-chartered savings bank with 243 branches that operates through seven local divisions. The Community Bank is a producer of multi-family loans in New York City. In addition to multi-family loans, it originates commercial real estate loans and, to a much lesser extent, acquisition, development, and construction loans, and commercial and industrial loans. The Commercial Bank is a New York State-chartered commercial bank with 30 branches in Manhattan, Queens, Brooklyn, Westchester County, and Long Island, including 18 that operate under the name Atlantic Bank. The Commercial Bank offers 24-hour banking online and by phone.