<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created with Toppan Merrill Bridge  11.3.0.1 -->
<!--Based on XBRL 2.1-->
<!--Created on: 5/11/2026 4:37:06 PM-->
<!--Modified on: 5/11/2026 4:37:06 PM-->
<xsd:schema targetNamespace="http://flushingbank.com/20260331" attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:ffic="http://flushingbank.com/20260331" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:dtr="http://www.xbrl.org/2009/dtr" xmlns:attributeFormDefault="unqualified" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:us-roles="http://fasb.org/us-roles/2024" xmlns:us-gaap="http://fasb.org/us-gaap/2024" xmlns:srt="http://fasb.org/srt/2024" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:dei="http://xbrl.sec.gov/dei/2024" xmlns:deprecated="http://www.xbrl.org/2009/role/deprecated" xmlns:ecd="http://xbrl.sec.gov/ecd/2024" xmlns:ecd-sub="http://xbrl.sec.gov/ecd-sub/2024">
  <xsd:annotation>
    <xsd:appinfo>
      <link:roleType roleURI="http://flushingbank.com/role/StatementConsolidatedStatementsOfFinancialCondition" id="StatementConsolidatedStatementsOfFinancialCondition">
        <link:definition>995200100 - Statement - Consolidated Statements of Financial Condition</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/StatementConsolidatedStatementsOfOperations" id="StatementConsolidatedStatementsOfOperations">
        <link:definition>995200200 - Statement - Consolidated Statements of Operations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/StatementConsolidatedStatementsOfComprehensiveIncome" id="StatementConsolidatedStatementsOfComprehensiveIncome">
        <link:definition>995200300 - Statement - Consolidated Statements of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/StatementConsolidatedStatementsOfCashFlows" id="StatementConsolidatedStatementsOfCashFlows">
        <link:definition>995200500 - Statement - Consolidated Statements of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureEarningsPerShareDetails" id="DisclosureEarningsPerShareDetails">
        <link:definition>99940301 - Disclosure - Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSecuritiesAmortizedCostAndFairValueOfSecuritiesDetails" id="DisclosureSecuritiesAmortizedCostAndFairValueOfSecuritiesDetails">
        <link:definition>99940402 - Disclosure - Securities - Amortized Cost and Fair Value of Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSecuritiesAvailableForSaleAndHeldToMaturityByContractualMaturityDetails" id="DisclosureSecuritiesAvailableForSaleAndHeldToMaturityByContractualMaturityDetails">
        <link:definition>99940403 - Disclosure - Securities - Available-for-Sale and Held-to-Maturity by Contractual Maturity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSecuritiesAvailableForSaleSecuritiesWithGrossUnrealizedLossesAndTheirFairValueDetails" id="DisclosureSecuritiesAvailableForSaleSecuritiesWithGrossUnrealizedLossesAndTheirFairValueDetails">
        <link:definition>99940404 - Disclosure - Securities - Available for Sale Securities With Gross Unrealized Losses and Their Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansCompositionOfLoansDetails" id="DisclosureLoansCompositionOfLoansDetails">
        <link:definition>99940502 - Disclosure - Loans - Composition of Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansForegoneOnNonAccrualLoansAndLoansClassifiedAsTdrDetails" id="DisclosureLoansForegoneOnNonAccrualLoansAndLoansClassifiedAsTdrDetails">
        <link:definition>99940505 - Disclosure - Loans - Foregone on Non-accrual Loans and Loans Classified as TDR (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansRiskCategoryOfMortgageAndNonMortgageLoansDetails" id="DisclosureLoansRiskCategoryOfMortgageAndNonMortgageLoansDetails">
        <link:definition>99940508 - Disclosure - Loans - Risk Category of Mortgage and Non-mortgage Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/Disclosure40602DisclosureSecuritiesAmortizedCostAndFairValueOfSecuritiesDetailsCalc2" id="Disclosure40602DisclosureSecuritiesAmortizedCostAndFairValueOfSecuritiesDetailsCalc2">
        <link:definition>40602 - Disclosure - 40602 - Disclosure - Securities - Amortized Cost and Fair Value of Securities (Details) Calc 2</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLeasesSupplementalInformationAndComponentsOfLeaseExpenseDetails" id="DisclosureLeasesSupplementalInformationAndComponentsOfLeaseExpenseDetails">
        <link:definition>99940702 - Disclosure - Leases - Supplemental information and Components of Lease Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLeasesMinimumAnnualRentalPaymentsForBankFacilitiesDueUnderNonCancelableLeasesDetails" id="DisclosureLeasesMinimumAnnualRentalPaymentsForBankFacilitiesDueUnderNonCancelableLeasesDetails">
        <link:definition>99940703 - Disclosure - Leases - Minimum Annual Rental Payments for Bank facilities Due Under Non-cancelable Leases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLeasesMinimumAnnualRentalPaymentsForBankFacilitiesDueUnderNonCancelableLeasesDetailsCalc2" id="DisclosureLeasesMinimumAnnualRentalPaymentsForBankFacilitiesDueUnderNonCancelableLeasesDetailsCalc2">
        <link:definition>40703 - Disclosure - Leases - Minimum Annual Rental Payments for Bank facilities Due Under Non-cancelable Leases (Details)- (Calc2)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosurePensionAndOtherPostretirementBenefitsPlansComponentsOfNetPensionBenefitExpenseDetails" id="DisclosurePensionAndOtherPostretirementBenefitsPlansComponentsOfNetPensionBenefitExpenseDetails">
        <link:definition>99940902 - Disclosure - Pension and Other Postretirement Benefits Plans - The Components of the Net Pension (Benefit) Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossChangesInAccumulatedOtherComprehensiveIncomeLossByComponentDetails" id="DisclosureAccumulatedOtherComprehensiveIncomeLossChangesInAccumulatedOtherComprehensiveIncomeLossByComponentDetails">
        <link:definition>99941201 - Disclosure - Accumulated Other Comprehensive Income (Loss) - Changes in Accumulated Other Comprehensive Income (Loss) by Component (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DocumentDocumentAndEntityInformation" id="DocumentDocumentAndEntityInformation">
        <link:definition>995200090 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/StatementConsolidatedStatementsOfFinancialConditionParentheticals" id="StatementConsolidatedStatementsOfFinancialConditionParentheticals">
        <link:definition>995200105 - Statement - Consolidated Statements of Financial Condition (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/StatementConsolidatedStatementsOfComprehensiveIncomeParentheticals" id="StatementConsolidatedStatementsOfComprehensiveIncomeParentheticals">
        <link:definition>995200305 - Statement - Consolidated Statements of Comprehensive Income (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/StatementConsolidatedStatementOfChangesInStockholdersEquity" id="StatementConsolidatedStatementOfChangesInStockholdersEquity">
        <link:definition>995200400 - Statement - Consolidated Statement of Changes in Stockholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/StatementConsolidatedStatementOfChangesInStockholdersEquityParentheticals" id="StatementConsolidatedStatementOfChangesInStockholdersEquityParentheticals">
        <link:definition>995200405 - Statement - Consolidated Statement of Changes in Stockholders' Equity (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansHeldForSale" id="DisclosureLoansHeldForSale">
        <link:definition>995210601 - Disclosure - Loans held for sale</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLeases" id="DisclosureLeases">
        <link:definition>995210701 - Disclosure - Leases</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureStockBasedCompensation" id="DisclosureStockBasedCompensation">
        <link:definition>995210801 - Disclosure - Stock-Based Compensation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureDerivativeFinancialInstruments" id="DisclosureDerivativeFinancialInstruments">
        <link:definition>995211101 - Disclosure - Derivative Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureRegulatoryCapital" id="DisclosureRegulatoryCapital">
        <link:definition>995211301 - Disclosure - Regulatory Capital</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSecuritiesTables" id="DisclosureSecuritiesTables">
        <link:definition>99930403 - Disclosure - Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansTables" id="DisclosureLoansTables">
        <link:definition>99930503 - Disclosure - Loans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansHeldForSaleTables" id="DisclosureLoansHeldForSaleTables">
        <link:definition>99930603 - Disclosure - Loans held for sale (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLeasesTables" id="DisclosureLeasesTables">
        <link:definition>99930703 - Disclosure - Leases (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureStockBasedCompensationTables" id="DisclosureStockBasedCompensationTables">
        <link:definition>99930803 - Disclosure - Stock-Based Compensation (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosurePensionAndOtherPostretirementBenefitPlansTables" id="DisclosurePensionAndOtherPostretirementBenefitPlansTables">
        <link:definition>99930903 - Disclosure - Pension and Other Postretirement Benefit Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstrumentsTables" id="DisclosureFairValueOfFinancialInstrumentsTables">
        <link:definition>99931003 - Disclosure - Fair Value of Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureDerivativeFinancialInstrumentsTables" id="DisclosureDerivativeFinancialInstrumentsTables">
        <link:definition>99931103 - Disclosure - Derivative Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureRegulatoryCapitalTables" id="DisclosureRegulatoryCapitalTables">
        <link:definition>99931303 - Disclosure - Regulatory Capital (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSecuritiesDetails" id="DisclosureSecuritiesDetails">
        <link:definition>99940401 - Disclosure - Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSecuritiesAllowanceForCreditLossesForDebtSecuritiesHeldToMaturityDetails" id="DisclosureSecuritiesAllowanceForCreditLossesForDebtSecuritiesHeldToMaturityDetails">
        <link:definition>99940406 - Disclosure - Securities - Allowance for credit losses for debt securities held-to-maturity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansDetails" id="DisclosureLoansDetails">
        <link:definition>99940501 - Disclosure - Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansLoansModificationsMadeToBorrowersAndPaymentStatusDetails" id="DisclosureLoansLoansModificationsMadeToBorrowersAndPaymentStatusDetails">
        <link:definition>99940503 - Disclosure - Loans - Loans Modifications Made to Borrowers and Payment Status (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansNonAccrualAtAmortizedCostDetails" id="DisclosureLoansNonAccrualAtAmortizedCostDetails">
        <link:definition>99940504 - Disclosure - Loans - Non-Accrual at Amortized Cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansAgeAnalysisOfRecordedInvestmentInLoansDetails" id="DisclosureLoansAgeAnalysisOfRecordedInvestmentInLoansDetails">
        <link:definition>99940506 - Disclosure - Loans - Age Analysis of Recorded Investment in Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansActivityInAllowanceForCreditLossesDetails" id="DisclosureLoansActivityInAllowanceForCreditLossesDetails">
        <link:definition>99940507 - Disclosure - Loans - Activity in the Allowance for Credit Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansAmortizedCostOfCollateralDetails" id="DisclosureLoansAmortizedCostOfCollateralDetails">
        <link:definition>99940509 - Disclosure - Loans - Amortized Cost of Collateral (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansOffBalanceSheetCreditLossesDetails" id="DisclosureLoansOffBalanceSheetCreditLossesDetails">
        <link:definition>99940510 - Disclosure - Loans - Off-Balance Sheet Credit Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansHeldForSaleDetails" id="DisclosureLoansHeldForSaleDetails">
        <link:definition>99940601 - Disclosure - Loans held for sale (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoansHeldForSaleDelinquentAndNonPerformingLoansSoldDuringPeriodIndicatedDetails" id="DisclosureLoansHeldForSaleDelinquentAndNonPerformingLoansSoldDuringPeriodIndicatedDetails">
        <link:definition>99940602 - Disclosure - Loans held for sale - Delinquent and Non-performing Loans Sold During the Period Indicated (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLeasesDetails" id="DisclosureLeasesDetails">
        <link:definition>99940701 - Disclosure - Leases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureStockBasedCompensationDetails" id="DisclosureStockBasedCompensationDetails">
        <link:definition>99940801 - Disclosure - Stock-Based Compensation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureStockBasedCompensationRsuAndPrsuAwardsDetails" id="DisclosureStockBasedCompensationRsuAndPrsuAwardsDetails">
        <link:definition>99940802 - Disclosure - Stock-Based Compensation - RSU and PRSU awards (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureStockBasedCompensationPhantomStockPlanDetails" id="DisclosureStockBasedCompensationPhantomStockPlanDetails">
        <link:definition>99940803 - Disclosure - Stock-Based Compensation - Phantom Stock Plan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosurePensionAndOtherPostretirementBenefitPlansDetails" id="DisclosurePensionAndOtherPostretirementBenefitPlansDetails">
        <link:definition>99940901 - Disclosure - Pension and Other Postretirement Benefit Plans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstrumentsDetails" id="DisclosureFairValueOfFinancialInstrumentsDetails">
        <link:definition>99941001 - Disclosure - Fair Value of Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstrumentsFinancialAssetsAndLiabilitiesReportedUnderFairValueOptionDetails" id="DisclosureFairValueOfFinancialInstrumentsFinancialAssetsAndLiabilitiesReportedUnderFairValueOptionDetails">
        <link:definition>99941002 - Disclosure - Fair Value of Financial Instruments - Financial Assets and Liabilities Reported Under the Fair Value Option (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstrumentsFairValueMeasuredOnRecurringBasisDetails" id="DisclosureFairValueOfFinancialInstrumentsFairValueMeasuredOnRecurringBasisDetails">
        <link:definition>99941003 - Disclosure - Fair Value of Financial Instruments - Fair Value Measured on a Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstrumentsAssetsAndLiabilitiesCarriedAtFairValueOnRecurringBasisClassifiedWithinLevel3Details" id="DisclosureFairValueOfFinancialInstrumentsAssetsAndLiabilitiesCarriedAtFairValueOnRecurringBasisClassifiedWithinLevel3Details">
        <link:definition>99941004 - Disclosure - Fair Value of Financial Instruments - Assets and Liabilities Carried at Fair Value on a Recurring Basis, Classified Within Level 3 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstrumentsQuantitativeInformationAboutRecurringLevel3FairValueOfFinancialInstrumentsDetails" id="DisclosureFairValueOfFinancialInstrumentsQuantitativeInformationAboutRecurringLevel3FairValueOfFinancialInstrumentsDetails">
        <link:definition>99941005 - Disclosure - Fair Value of Financial Instruments - Quantitative Information About Recurring Level 3 Fair Value of Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstrumentsAssetsAndLiabilitiesCarriedAtFairValueOnNonRecurringBasisFairValueDetails" id="DisclosureFairValueOfFinancialInstrumentsAssetsAndLiabilitiesCarriedAtFairValueOnNonRecurringBasisFairValueDetails">
        <link:definition>99941006 - Disclosure - Fair Value of Financial Instruments - Assets and Liabilities Carried at Fair Value on a Non-recurring Basis, Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstrumentsQualitativeInformationAboutNonRecurringLevel3FairValueOfFinancialInstrumentsDetails" id="DisclosureFairValueOfFinancialInstrumentsQualitativeInformationAboutNonRecurringLevel3FairValueOfFinancialInstrumentsDetails">
        <link:definition>99941007 - Disclosure - Fair Value of Financial Instruments - Qualitative Information About Non-recurring Level 3 Fair Value of Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstrumentsCarryingAmountsAndEstimatedFairValuesOfSelectedFinancialInstrumentsDetails" id="DisclosureFairValueOfFinancialInstrumentsCarryingAmountsAndEstimatedFairValuesOfSelectedFinancialInstrumentsDetails">
        <link:definition>99941008 - Disclosure - Fair Value of Financial Instruments - Carrying Amounts and Estimated Fair Values of Selected Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureDerivativeFinancialInstrumentsDetails" id="DisclosureDerivativeFinancialInstrumentsDetails">
        <link:definition>99941101 - Disclosure - Derivative Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureDerivativeFinancialInstrumentsDerivativeFinancialInstrumentsDetails" id="DisclosureDerivativeFinancialInstrumentsDerivativeFinancialInstrumentsDetails">
        <link:definition>99941102 - Disclosure - Derivative Financial Instruments - Derivative Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureDerivativeFinancialInstrumentsFairValueOfHedgedItemsDetails" id="DisclosureDerivativeFinancialInstrumentsFairValueOfHedgedItemsDetails">
        <link:definition>99941103 - Disclosure - Derivative Financial Instruments - Fair Value of Hedged Items (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureDerivativeFinancialInstrumentsEffectOfDerivativeInstrumentsOnConsolidatedStatementsOfIncomeDetails" id="DisclosureDerivativeFinancialInstrumentsEffectOfDerivativeInstrumentsOnConsolidatedStatementsOfIncomeDetails">
        <link:definition>99941104 - Disclosure - Derivative Financial Instruments - Effect of Derivative Instruments on Consolidated Statements of Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureDerivativeFinancialInstrumentsEffectOfMasterNettingArrangementsOnDerivativeAssetsAndLiabilitiesInConsolidatedStatementsOfConditionDetails" id="DisclosureDerivativeFinancialInstrumentsEffectOfMasterNettingArrangementsOnDerivativeAssetsAndLiabilitiesInConsolidatedStatementsOfConditionDetails">
        <link:definition>99941105 - Disclosure - Derivative Financial Instruments - Effect of Master Netting Arrangements on Derivative Assets and Liabilities in the Consolidated Statements of Condition (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossAmountsReclassifiedOutOfAccumulatedOtherComprehensiveIncomeLossDetails" id="DisclosureAccumulatedOtherComprehensiveIncomeLossAmountsReclassifiedOutOfAccumulatedOtherComprehensiveIncomeLossDetails">
        <link:definition>99941202 - Disclosure - Accumulated Other Comprehensive Income (Loss) - Amounts Reclassified Out of Accumulated Other Comprehensive Income (Loss) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureRegulatoryCapitalDetails" id="DisclosureRegulatoryCapitalDetails">
        <link:definition>99941301 - Disclosure - Regulatory Capital (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureRegulatoryCapitalSummaryOfBankSComplianceDetails" id="DisclosureRegulatoryCapitalSummaryOfBankSComplianceDetails">
        <link:definition>99941302 - Disclosure - Regulatory Capital - Summary of the Bank's Compliance (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSubsequentEventDetails" id="DisclosureSubsequentEventDetails">
        <link:definition>99941501 - Disclosure - Subsequent Event (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureBasisOfPresentation" id="DisclosureBasisOfPresentation">
        <link:definition>995210101 - Disclosure - Basis of Presentation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureUseOfEstimates" id="DisclosureUseOfEstimates">
        <link:definition>995210201 - Disclosure - Use of Estimates</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureEarningsPerShare" id="DisclosureEarningsPerShare">
        <link:definition>995210301 - Disclosure - Earnings Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSecurities" id="DisclosureSecurities">
        <link:definition>995210401 - Disclosure - Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureLoans" id="DisclosureLoans">
        <link:definition>995210501 - Disclosure - Loans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosurePensionAndOtherPostretirementBenefitPlans" id="DisclosurePensionAndOtherPostretirementBenefitPlans">
        <link:definition>995210901 - Disclosure - Pension and Other Postretirement Benefit Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureFairValueOfFinancialInstruments" id="DisclosureFairValueOfFinancialInstruments">
        <link:definition>995211001 - Disclosure - Fair Value of Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLoss" id="DisclosureAccumulatedOtherComprehensiveIncomeLoss">
        <link:definition>995211201 - Disclosure - Accumulated Other Comprehensive Income (Loss)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSegmentReporting" id="DisclosureSegmentReporting">
        <link:definition>995211401 - Disclosure - Segment Reporting</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSubsequentEvent" id="DisclosureSubsequentEvent">
        <link:definition>995211501 - Disclosure - Subsequent Event</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureNewAuthoritativeAccountingPronouncements" id="DisclosureNewAuthoritativeAccountingPronouncements">
        <link:definition>995211601 - Disclosure - New Authoritative Accounting Pronouncements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureEarningsPerShareTables" id="DisclosureEarningsPerShareTables">
        <link:definition>99930303 - Disclosure - Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossTables" id="DisclosureAccumulatedOtherComprehensiveIncomeLossTables">
        <link:definition>99931203 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSegmentReportingTables" id="DisclosureSegmentReportingTables">
        <link:definition>99931403 - Disclosure - Segment Reporting (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSecuritiesAllowanceForCreditLossesForDebtSecuritiesAvailableForSaleDetails" id="DisclosureSecuritiesAllowanceForCreditLossesForDebtSecuritiesAvailableForSaleDetails">
        <link:definition>99940405 - Disclosure - Securities - Allowance for credit losses for debt securities available for sale (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureSegmentReportingDetails" id="DisclosureSegmentReportingDetails">
        <link:definition>99941401 - Disclosure - Segment Reporting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="ffic-20260331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ffic-20260331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ffic-20260331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ffic-20260331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType roleURI="http://flushingbank.com/role/DisclosureStandardAndCustomAxisDomainDefaults" id="DisclosureStandardAndCustomAxisDomainDefaults">
        <link:definition>99900 - Disclosure - Standard And Custom Axis Domain Defaults</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:import namespace="https://xbrl.org/2023/calculation-1.1" schemaLocation="https://www.xbrl.org/2023/calculation-1.1.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2024" schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-roles-2024.xsd" />
  <xsd:import namespace="http://fasb.org/us-gaap/2024" schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd" />
  <xsd:import namespace="http://fasb.org/srt/2024" schemaLocation="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd/2024" schemaLocation="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2024" schemaLocation="https://xbrl.sec.gov/dei/2024/dei-2024.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd-sub/2024" schemaLocation="https://xbrl.sec.gov/ecd/2024/ecd-sub-2024.xsd" />
  <xsd:element name="DividendsDeclaredButNotPaid" id="ffic_DividendsDeclaredButNotPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InvestmentsReceivableFromAffiliates" id="ffic_InvestmentsReceivableFromAffiliates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccruedInterestPayableFairValueDisclosure" id="ffic_AccruedInterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AccruedInterestReceivableFairValueDisclosure" id="ffic_AccruedInterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AppraisedValueOfPropertyMember" id="ffic_AppraisedValueOfPropertyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CapitalConservationBuffer" id="ffic_CapitalConservationBuffer" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CollateralDependentLoansMeasurementInput" id="ffic_CollateralDependentLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CommercialBusinessAndOtherMember" id="ffic_CommercialBusinessAndOtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialBusinessAndOtherPortfolioSegmentMember" id="ffic_CommercialBusinessAndOtherPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialRealEstateLoansMember" id="ffic_CommercialRealEstateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommonEquityTierIRiskBasedCapitalAbstract" id="ffic_CommonEquityTierIRiskBasedCapitalAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommonEquityTierIRiskBasedCapitalExcess" id="ffic_CommonEquityTierIRiskBasedCapitalExcess" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommonEquityTierIRiskBasedCapitalExcessRatio" id="ffic_CommonEquityTierIRiskBasedCapitalExcessRatio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="CommonEquityTierIRiskBasedCapitalRequirementToBeWellCapitalizedRatio" id="ffic_CommonEquityTierIRiskBasedCapitalRequirementToBeWellCapitalizedRatio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ConstructionPortfolioSegmentMember" id="ffic_ConstructionPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DelinquentAndNonPerformingLoansNetRecoveriesChargeOffs" id="ffic_DelinquentAndNonPerformingLoansNetRecoveriesChargeOffs" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="DelinquentAndNonPerformingLoansProceeds" id="ffic_DelinquentAndNonPerformingLoansProceeds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DelinquentAndNonPerformingLoansSold" id="ffic_DelinquentAndNonPerformingLoansSold" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DelinquentAndNonPerformingLoansSoldDuringPeriodTableTextBlock" id="ffic_DelinquentAndNonPerformingLoansSoldDuringPeriodTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DelinquentAndNonperformingLoansNetGainLoss" id="ffic_DelinquentAndNonperformingLoansNetGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="DepositLiabilities" id="ffic_DepositLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DirectorsPlanMember" id="ffic_DirectorsPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DividendPayoutRatio" id="ffic_DividendPayoutRatio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FHLMCMember" id="ffic_FHLMCMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FNMAMember" id="ffic_FNMAMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalHomeLoanBankStockDividends" id="ffic_FederalHomeLoanBankStockDividends" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="FinancialAssetsAndLiabilitiesExcludingInterestRateCapsSwapsMember" id="ffic_FinancialAssetsAndLiabilitiesExcludingInterestRateCapsSwapsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialAssetsAtFairValueOption" id="ffic_FinancialAssetsAtFairValueOption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancialLiabilitiesAtFairValueOptionAccruedInterestPayable" id="ffic_FinancialLiabilitiesAtFairValueOptionAccruedInterestPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="GNMAMember" id="ffic_GNMAMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="HoldingCompanyMember" id="ffic_HoldingCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ImpairedLoansFairValue" id="ffic_ImpairedLoansFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ImpairedLoansMeasurementInput" id="ffic_ImpairedLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="IncomeExpensesFromOtherRealEstateOwnedOrForeclosure" id="ffic_IncomeExpensesFromOtherRealEstateOwnedOrForeclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="JuniorSubordinatedDebenturesMember" id="ffic_JuniorSubordinatedDebenturesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndLeasesReceivableImpairedTroubledDebtAndNonAccrualLoansInterestIncome" id="ffic_LoansAndLeasesReceivableImpairedTroubledDebtAndNonAccrualLoansInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoansAndLeasesReceivableTroubledDebtAndNonAccrualLoansInterestForegone" id="ffic_LoansAndLeasesReceivableTroubledDebtAndNonAccrualLoansInterestForegone" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoansAndLeasesReceivableTroubledDebtAndNonAccrualLoansInterestIncomeRecognized" id="ffic_LoansAndLeasesReceivableTroubledDebtAndNonAccrualLoansInterestIncomeRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="LoansHeldForSaleTextBlock" id="ffic_LoansHeldForSaleTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MultiFamilyResidentialMember" id="ffic_MultiFamilyResidentialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MultiFamilyResidentialPortfolioSegmentMember" id="ffic_MultiFamilyResidentialPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MutualFundDebtSecuritiesMember" id="ffic_MutualFundDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NetIncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance1" id="ffic_NetIncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="OmnibusPlan2014Member" id="ffic_OmnibusPlan2014Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OneToFourFamilyMixedUsePropertyPortfolioSegmentMember" id="ffic_OneToFourFamilyMixedUsePropertyPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OneToFourFamilyMixedUsedPropertyMember" id="ffic_OneToFourFamilyMixedUsedPropertyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OneToFourFamilyResidentialMember" id="ffic_OneToFourFamilyResidentialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OneToFourFamilyResidentialPortfolioSegmentMember" id="ffic_OneToFourFamilyResidentialPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherSecuritiesMember" id="ffic_OtherSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PhantomStockPlanMember" id="ffic_PhantomStockPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromPrepaymentsOfHeldtomaturitySecurities" id="ffic_ProceedsFromPrepaymentsOfHeldtomaturitySecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromSalesAndCallsOfAvailableForSaleSecurities" id="ffic_ProceedsFromSalesAndCallsOfAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="REMICAndCMOMember" id="ffic_REMICAndCMOMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SavingsBankMember" id="ffic_SavingsBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfInterestForegoneOnNonAccrualAndTDRLoansTableTextBlock" id="ffic_ScheduleOfInterestForegoneOnNonAccrualAndTDRLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButUnissuedNumber" id="ffic_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButUnissuedNumber" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButUnissuedWeightedAverageGrantDateFairValue" id="ffic_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButUnissuedWeightedAverageGrantDateFairValue" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingFairValuePerShare" id="ffic_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingFairValuePerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="SmallBusinessAdministrationMember" id="ffic_SmallBusinessAdministrationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SmallBusinessAdministrationPortfolioSegmentMember" id="ffic_SmallBusinessAdministrationPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TierIRiskBasedCapitalAbstract" id="ffic_TierIRiskBasedCapitalAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TotalOtherSecuritiesMember" id="ffic_TotalOtherSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TrustPreferredSecuritiesMember" id="ffic_TrustPreferredSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialLiabilitiesAtFairValueOptionContractualPrincipal" id="ffic_FinancialLiabilitiesAtFairValueOptionContractualPrincipal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FairValueOptionChangesInFairValueGainLossOnQualifyingHedges" id="ffic_FairValueOptionChangesInFairValueGainLossOnQualifyingHedges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BranchesAndOfficeSpaceMember" id="ffic_BranchesAndOfficeSpaceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfLeases" id="ffic_NumberOfLeases" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="PrsuAwardsPercentageOfTargetAwardBelowThresholdLevelPerformance" id="ffic_PrsuAwardsPercentageOfTargetAwardBelowThresholdLevelPerformance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="TwoThousandAndNineteenLongTermIncentiveCompensationProgramMember" id="ffic_TwoThousandAndNineteenLongTermIncentiveCompensationProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PerformanceBasedRestrictedStockUnitsMember" id="ffic_PerformanceBasedRestrictedStockUnitsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PrsuAwardsPercentageOfTargetAwardThresholdLevelPerformance" id="ffic_PrsuAwardsPercentageOfTargetAwardThresholdLevelPerformance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="PrsuAwardsPercentageOfTargetAwardTargetLevelPerformance" id="ffic_PrsuAwardsPercentageOfTargetAwardTargetLevelPerformance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="PrsuAwardsPercentageOfTargetAwardMaximumLevelPerformance" id="ffic_PrsuAwardsPercentageOfTargetAwardMaximumLevelPerformance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="NetRepaymentsOriginationsOfLoans" id="ffic_NetRepaymentsOriginationsOfLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="UseOfEstimatesTextBlock" id="ffic_UseOfEstimatesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeePensionPlanMember" id="ffic_EmployeePensionPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExtensionOfCreditMember" id="ffic_ExtensionOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherPostRetirementBenefitPlanDefinedBenefitMember" id="ffic_OtherPostRetirementBenefitPlanDefinedBenefitMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherPortfolioSegmentMember" id="ffic_OtherPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BusinessAssetsMember" id="ffic_BusinessAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="WatchMember" id="ffic_WatchMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialReceivableAllowanceOrCreditLossPercentOnTotalLoans" id="ffic_FinancialReceivableAllowanceOrCreditLossPercentOnTotalLoans" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialReceivableAllowanceForCreditLossPercentOnNonPerformingLoans" id="ffic_FinancialReceivableAllowanceForCreditLossPercentOnNonPerformingLoans" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialBusinessSecuredByPortfolioSegmentMember" id="ffic_CommercialBusinessSecuredByPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialBusinessPortfolioSegmentMember" id="ffic_CommercialBusinessPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LeaseBalanceSheetDisclosureTableTextBlock" id="ffic_LeaseBalanceSheetDisclosureTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtSecuritiesHeldToMaturityAccruedInterestIncomeReceivable" id="ffic_DebtSecuritiesHeldToMaturityAccruedInterestIncomeReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DebtSecuritiesAvailableForSaleAccruedInterestIncomeReceivable" id="ffic_DebtSecuritiesAvailableForSaleAccruedInterestIncomeReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="CustomerMember" id="ffic_CustomerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BankMember" id="ffic_BankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" id="ffic_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FinancingReceivableActiveForbearanceSpecificReserve" id="ffic_FinancingReceivableActiveForbearanceSpecificReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommitmentToExtendCredit" id="ffic_CommitmentToExtendCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ShortTermAdvancesAndBrokeredCertificatesOfDeposit" id="ffic_ShortTermAdvancesAndBrokeredCertificatesOfDeposit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AdvancesFromFederalHomeLoanBanksAndUnsecuredDebt" id="ffic_AdvancesFromFederalHomeLoanBanksAndUnsecuredDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="OccupancyAndEquipmentExpenseMember" id="ffic_OccupancyAndEquipmentExpenseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AmortizationOfPremiumNetOfAccretionOfDiscount" id="ffic_AmortizationOfPremiumNetOfAccretionOfDiscount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="GainLossFromLifeInsuranceProceeds" id="ffic_GainLossFromLifeInsuranceProceeds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ProceedsFromChangeInCashCollateral" id="ffic_ProceedsFromChangeInCashCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NumberOfShortTermLeaseAgreements" id="ffic_NumberOfShortTermLeaseAgreements" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="PortfolioLayerHedgesOnClosedPortfolioOfSecuritiesAvailableForSaleMember" id="ffic_PortfolioLayerHedgesOnClosedPortfolioOfSecuritiesAvailableForSaleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PortfolioLayerHedgesOnClosedPortfolioOfLoansMember" id="ffic_PortfolioLayerHedgesOnClosedPortfolioOfLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PortfolioLayerHedgesOnClosedPortfolioMember" id="ffic_PortfolioLayerHedgesOnClosedPortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableModificationsToBorrowersExperiencingFinancialDifficultyTableTextBlock" id="ffic_FinancingReceivableModificationsToBorrowersExperiencingFinancialDifficultyTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonaccrualInterestIncome" id="ffic_FinancingReceivableExcludingAccruedInterestNonaccrualInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestPortfolioLayerBasisAdjustments" id="ffic_FinancingReceivableExcludingAccruedInterestPortfolioLayerBasisAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10" id="ffic_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate" id="ffic_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityWithoutSingleMaturityDate" id="ffic_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityWithoutSingleMaturityDate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDistributionsInPeriodWeightedAverageFairValue" id="ffic_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDistributionsInPeriodWeightedAverageFairValue" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestAfterPortfolioLayerBasisAdjustments" id="ffic_FinancingReceivableExcludingAccruedInterestAfterPortfolioLayerBasisAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancingReceivableModificationsMadeToBorrowersExperiencingFinancialDifficultyNumberOfContracts" id="ffic_FinancingReceivableModificationsMadeToBorrowersExperiencingFinancialDifficultyNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesHeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" id="ffic_DebtSecuritiesHeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" id="ffic_DebtSecuritiesHeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" id="ffic_DebtSecuritiesHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" id="ffic_DebtSecuritiesHeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccountingTreatmentOfEmployeeRetentionCreditsMember" id="ffic_AccountingTreatmentOfEmployeeRetentionCreditsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MeasurementInputVariableRateBasisSpreadSecuredOvernightFinancingRateMember" id="ffic_MeasurementInputVariableRateBasisSpreadSecuredOvernightFinancingRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfDerivativeContractsTerminated" id="ffic_NumberOfDerivativeContractsTerminated" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DerivativesIncomeAmortizationGainLoss" id="ffic_DerivativesIncomeAmortizationGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NewYorkBasedBankHoldingCompanyMember" id="ffic_NewYorkBasedBankHoldingCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansHeldForSaleAbstract" id="ffic_LoansHeldForSaleAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UseOfEstimatesAbstract" id="ffic_UseOfEstimatesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OmnibusIncentivePlan2024Member" id="ffic_OmnibusIncentivePlan2024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AvailableForSaleSecuritiesfairvalueoption" id="ffic_AvailableForSaleSecuritiesfairvalueoption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ReturnOnAverageAssetsPercentage" id="ffic_ReturnOnAverageAssetsPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ReturnOnAverageEquityPercentage" id="ffic_ReturnOnAverageEquityPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BookValuePerCommonShare" id="ffic_BookValuePerCommonShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StateAndLocalJurisdictionNewYorkCityMember" id="ffic_StateAndLocalJurisdictionNewYorkCityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StockIssuedDuringPeriodValuesRestrictedStockAwardGross" id="ffic_StockIssuedDuringPeriodValuesRestrictedStockAwardGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CashPaymentAbstract" id="ffic_CashPaymentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WeightedAverageNumberOfCommonSharesAndParticipatingSecuritiesOutstanding" id="ffic_WeightedAverageNumberOfCommonSharesAndParticipatingSecuritiesOutstanding" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="WeightedAverageNumberOfSharesParticipatingSecurities" id="ffic_WeightedAverageNumberOfSharesParticipatingSecurities" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InterestRateSwapLoansMember" id="ffic_InterestRateSwapLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestRateSwapBrokeredDepositsMember" id="ffic_InterestRateSwapBrokeredDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonAccrualNumberOfSecurity" id="ffic_DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonAccrualNumberOfSecurity" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonAccrualAmortizedCost" id="ffic_DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonAccrualAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonAccrualAllowanceForCreditLoss" id="ffic_DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonAccrualAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonAccrual" id="ffic_DebtSecuritiesAvailableForSaleExcludingAccruedInterestNonAccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetProvisionForCreditLosses" id="ffic_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetProvisionForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MeasurementInputVariableRateBasisSpreadSpreadOverRatedMunicipalCurvesMember" id="ffic_MeasurementInputVariableRateBasisSpreadSpreadOverRatedMunicipalCurvesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GainLossOnSalesOfLoansRecordedUponTransfer" id="ffic_GainLossOnSalesOfLoansRecordedUponTransfer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoansHeldForSaleTable" id="ffic_LoansHeldForSaleTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansHeldForSaleLineItems" id="ffic_LoansHeldForSaleLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationExchangeRatio" id="ffic_BusinessCombinationExchangeRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OceanfirstFinancialCorpMember" id="ffic_OceanfirstFinancialCorpMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FlushingFinancialCorporationMember" id="ffic_FlushingFinancialCorporationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MeasurementInputProbabilityOfDefaultMember" id="ffic_MeasurementInputProbabilityOfDefaultMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
