UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


        Date of Report (Date of earliest event reported): April 26, 2006
                                                          --------------


                        NEW YORK COMMUNITY BANCORP, INC.
                        --------------------------------
             (Exact name of registrant as specified in its charter)


          Delaware                        1-31565                 06-1377322
-------------------------------        ------------          -------------------
(State or other jurisdiction of        (Commission             (I.R.S. Employer
 incorporation or organization)        File Number)          Identification No.)



                  615 Merrick Avenue, Westbury, New York 11590
                  --------------------------------------------
                    (Address of principal executive offices)


                                 (516) 683-4100
                                 --------------
              (Registrant's telephone number, including area code)

                                 Not applicable
                                 --------------
          (Former name or former address, if changed since last report)


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:

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4c under the Exchange
Act (17 CFR 240.13e-4(c))



                           CURRENT REPORT ON FORM 8-K
                           --------------------------


ITEM 2.02:     Results of Operations and Financial Condition
               ---------------------------------------------

               On April 26, 2006, New York Community Bancorp, Inc. (the
               "Company") issued a press release reporting its earnings for the
               three months ended March 31, 2006. A copy of the press release is
               attached as Exhibit 99.1 to this report.

ITEM 7.01      Regulation FD Disclosure
               ------------------------

               On April 26, 2006, the Company announced that its Board of
               Directors declared a $0.25 per share dividend, payable on May 16,
               2006 to shareholders of record at May 5, 2006. The announcement
               was included as part of the earnings release issued by the
               Company on April 26th and is incorporated into this Item 7.01 by
               reference to Exhibit 99.1 (but only with respect to the
               information contained in Exhibit 99.1 regarding the announcement
               of the dividend declaration, and not with respect to any
               information furnished under Item 2.02 of this Form 8-K.)

ITEM 9.01:     Financial Statements and Exhibits
               ---------------------------------

          (c)  Attached as Exhibit 99.1 is a press release issued by the Company
               on April 26, 2006 reporting its earnings for the three months
               ended March 31, 2006.







                                    SIGNATURE
                                    ---------


     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.

Date:  April 26, 2006                   NEW YORK COMMUNITY BANCORP, INC.
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                                        /s/ Joseph R. Ficalora
                                        ----------------------------------------
                                        Joseph R. Ficalora
                                        President and Chief Executive Officer











                                  EXHIBIT INDEX


Exhibit 99.1     Press release issued on April 26, 2006.