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): January 25, 2006
                                                         ----------------

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


          Delaware                    0-31565                     06-1377322
------------------------------   -------------------------  --------------------
(State or other jurisdiction      Commission File Number      (I.R.S. Employer
of incorporation or organization)                            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 January 25, 2006, New York Community Bancorp, Inc. (the
             "Company") issued a press release reporting its earnings for
             the three and twelve months ended December 31, 2005. A copy of
             the press release is attached as Exhibit 99.1 to this report.

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

             On January 25, 2006, the Company announced that its Board of
             Directors declared a $0.25 per share dividend, payable on
             February 15, 2006 to shareholders of record at February 6,
             2006. The announcement was included as part of the earnings
             release issued by the Company on January 25th 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 January 25, 2006 reporting its earnings for the three and twelve
             months ended December 31, 2005.



                                    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:  January 25, 2006             NEW YORK COMMUNITY BANCORP, INC.
       ----------------

                                    /s/ Joseph R. Ficalora
                                    ----------------------
                                    Joseph R. Ficalora
                                    President and Chief Executive Officer



                                  EXHIBIT INDEX
                                  -------------


Exhibit 99.1               Press release issued on January 25, 2006.