Flagstar Bank N.A.
Hicksville, NY·RSSD 694904·FDIC 32541·bank:694904·Risk-based ratios where reported
- #5 of 127Total assets in New York
- Top 1%Total assets in the U.S.
- 345offices
- 5,374employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Flagstar Bank N.A.
5 of 24 FORFI signals stand out against 52 similar banks, based on FDIC data for the quarter.
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-5.0%peers +7.9%-12.9 pp
Flagstar Bank N.A.'s loans declined 5.0% over the past year to $61.2 billion. The median among 52 similar banks was +7.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -5.0% | +7.9% | -12.9 pp |
| Loans | ||
| $61.2 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Flagstar Bank N.A. itself is left out of every peer median and percentile. How signals work
Deposits shrinking while the peer median growsWorth a look: Funding 2nd quarter-3.9%peers +5.6%-9.5 pp
Flagstar Bank N.A.'s deposits declined 3.9% over the past year to $67.5 billion. The median among 52 similar banks was +5.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| -3.9% | +5.6% | -9.5 pp |
| Deposits | ||
| $67.5 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Flagstar Bank N.A. itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter87.8%peers 55.1%+32.6 pp
Flagstar Bank N.A.'s efficiency ratio fell 10.7 percentage points over the past year to 87.8%. Among 50 similar banks, the median fell 0.5 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 87.8% | 55.1% | +32.6 pp |
| 12-month change | ||
| -10.7 pp | -0.5 pp | -10.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Flagstar Bank N.A. itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar banksWorth a look: Earnings 2nd quarter0.33%peers 1.09%-76 bps
Flagstar Bank N.A.'s noninterest income relative to average assets was 0.33%, compared with a median of 1.09% among 50 similar banks: lower than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.33% | 1.09% | -76 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Flagstar Bank N.A. itself is left out of every peer median and percentile. How signals work
1 more observation
- Deposit costs falling faster than peersFunding
Key facts
- Flagstar Bank N.A. is a bank headquartered in Hicksville, New York. It reported $87.7 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $67.5 billion, down 3.9% from a year earlier, and loans totaled $61.2 billion, down 5.0%.
- Its net interest margin was 2.17% and its annualized return on assets was 0.16% for the quarter.
- Its cost of all deposits was 2.53%, compared with a median of 1.77% among 50 similar banks with $50 billion or more in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Flagstar Bank N.A.'s own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Flagstar Bank N.A. · Bank
- Federal Reserve RSSD
- 694904
- FDIC certificate
- 32541
- Reporting period
- Peer group
- 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Flagstar Bank N.A. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $34.46M | — | |
| $975.82M | — | |
| $535.42M | — | |
| $440.41M | — | |
| $72.36M | — | |
| $449.96M | — | |
| $14.42M | — | |
| $18.42M | — | |
| 0.16% | 0.16%ROAQ · Quarter | |
| 2.17% | 2.17%NIMYQ · Quarter | |
| 87.75% | 83.28%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.