$87.1B
−10.7%y/y
Percentile by value78th percentileby value
FDIC
ASSETFB
Flagstar Bank, National Association
Hicksville, New YorkFDIC Cert #32541
OCCEstablished 1987345 branches
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFlagstar Bank, National Association reported $87.1B in total assets. Deposits declined 10.22% over the prior year.
Return on assets was 0.10%, compared with an asset-peer median of 1.19%. The leverage ratio was 9.61%.
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$66.8B
−10.2%y/y
Percentile by value76th percentileby value
FDIC
DEP$59.7B
−9.5%y/y
Percentile by value81st percentileby value
FDIC
LNLSNET0.10%
+40 bpsy/y
Peer standing1st percentile
FDIC
NETINC + ROA87.17%
−1,019 bpsy/y
Peer standing1st percentile
FDIC
NONIX + NIM + NONII + EEFFR9.61%
+70 bpsy/y
Peer standing41st percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $27B | $19.8B |
| Q3 2021 | $27B | $20.3B |
| Q4 2021 | $25.4B | $18.7B |
| Q1 2022 | $23.2B | $18B |
| Q2 2022 | $24.8B | $17.3B |
| Q3 2022 | $25.4B | $17.4B |
| Q4 2022 | $90B | $58.8B |
| Q1 2023 | $124B | $85B |
| Q2 2023 | $119B | $88.6B |
| Q3 2023 | $111B | $82.8B |
| Q4 2023 | $114B | $81.7B |
| Q1 2024 | $113B | $75.5B |
| Q2 2024 | $119B | $79.7B |
| Q3 2024 | $114B | $83.6B |
| Q4 2024 | $100B | $76.4B |
| Q1 2025 | $97.6B | $74.4B |
| Q2 2025 | $92.2B | $70.2B |
| Q3 2025 | $91.6B | $69.6B |
| Q4 2025 | $87.5B | $66B |
| Q1 2026 | $87.1B | $66.8B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $2.58B |
| Investor CRE | $4.59B |
| Multifamily | $27.9B |
| Construction | $1.76B |
| 1–4 family | $7.14B |
| C&I | $10.8B |
| Agriculture | $30.7M |
| Other | $5.87B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.10%1st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE1.03%1st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY2.19%14th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.17%1st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP−10.22%1st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET−9.48%1st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.78%1st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ9.61%41st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.94%10th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC344%95th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.10%10th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.97%90th 2.02%Observations 116
ROE
FDIC
NETINC + ROE1.03%10th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.07%Median 7.55%90th 15.10%Observations 116
NIM
FDIC
NIM + NIMY2.19%20th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.54%Median 3.39%90th 4.44%Observations 129
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.17%17th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.52%Median 69.06%90th 93.95%Observations 116
Deposits YoY
FDIC
DEP−10.22%4th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.15%Median +2.83%90th +13.50%Observations 121
Loans YoY
FDIC
LNLSNET−9.48%3rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.50%Median +4.22%90th +22.03%Observations 118
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.78%3rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.70%90th 2.49%Observations 118
Leverage
FDIC
RBC1AAJ9.61%33rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 4.90%Median 10.71%90th 25.91%Observations 129
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.94%8th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.15%Median 2.43%90th 3.81%Observations 108
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC344%85th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 168%90th 371%Observations 89
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.10%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.36%Median 0.99%90th 1.26%Observations 13
ROE
FDIC
NETINC + ROE1.03%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.35%Median 8.90%90th 15.58%Observations 13
NIM
FDIC
NIM + NIMY2.19%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.00%Median 2.08%90th 3.52%Observations 19
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.17%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.47%Median 58.08%90th 79.47%Observations 13
Deposits YoY
FDIC
DEP−10.22%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.22%Median +8.32%90th +26.22%Observations 19
Loans YoY
FDIC
LNLSNET−9.48%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.39%Median +10.96%90th +33.38%Observations 19
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.78%0th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.61%90th 1.67%Observations 19
Leverage
FDIC
RBC1AAJ9.61%78th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 0.00%Median 7.91%90th 10.87%Observations 19
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.94%17th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 3.15%90th 4.47%Observations 13
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC344%83rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 25%Median 193%90th 370%Observations 13
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 345 branches
- Headquarters
- Hicksville, NY
FDIC
OFFDOMOpen the New York dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data