Flagstar Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Flagstar Bank, N.A. is the 36th-largest bank in the United States, with $87.7 billion in assets at June 30, 2026, down 4.8% from a year earlier. It is headquartered in Hicksville, New York, and operates 345 domestic branches. It earns about $0.16 a year on every $100 of assets, a small fraction of the median of $1.32 for the 127 banks with $10 billion to $100 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 53 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 4.67% of loans, down from 4.93% a year earlier. Its margin is thin by comparison: it keeps 2.13 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.63 cents).
As of June 30, 2026, Flagstar Bank, N.A. reported a CET1 capital ratio of 13.16%, a return on assets of 0.16%, a nonperforming-loan ratio of 4.97% and a Texas ratio of 32.95%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 102 Duffy Ave, Hicksville, NY 11801
- County
- Nassau
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- May 20, 1987
- Former names
- Flagstar Bank, FSB (1996-2022); First Security Savings Bank, FSB (1988-1996)
- Offices
- 345 domestic
- Employees (FTE)
- 5,374
- Domestic deposits
- $67.52B
- Allowance for credit losses
- $869.0M
- Net charge-offs (YTD)
- $176.9M
- Average total assets
- $87.40B
- Average total loans
- $59.30B
- Average interest-bearing deposits
- $55.67B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32541
- Fed RSSD
- 694904
- SEC CIK
- 910073 →
- Website
- www.flagstar.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Flagstar Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Flagstar Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Flagstar Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Flagstar Bank, N.A.: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.16% | 0.16% | 4.97% | 32.95% | 2.13% |
| Q1 2026 | 13.23% | 0.10% | 4.78% | 31.16% | 2.14% |
| Q4 2025 | 12.83% | 0.13% | 5.27% | 34.19% | 2.16% |
| Q3 2025 | 14.05% | -0.13% | 5.49% | 35.39% | 2.02% |
| Q2 2025 | 13.89% | -0.21% | 5.27% | 34.41% | 1.88% |
| Q1 2025 | 13.36% | -0.31% | 5.23% | 35.45% | 1.80% |
| Q4 2024 | 13.21% | -0.58% | 4.54% | 31.01% | 1.82% |
| Q3 2024 | 11.94% | -0.84% | 4.48% | 27.93% | 1.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 345 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 1400 Broadway Branch Office | New York , NY | 10018 | $10.06B |
| Troy Branch | Troy , MI | 48098 | $9.28B |
| Roseland Branch | Roseland , NJ | 07068 | $3.10B |
| Melville Branch | Melville , NY | 11747 | $2.29B |
| Jericho Branch | Jericho , NY | 11753 | $1.29B |
| Rockville Centre Branch | Rockville Centre , NY | 11570 | $1.05B |
| Hamilton Avenue Branch | White Plains , NY | 10601 | $877.5M |
| Jackson Heights Branch | Jackson Heights , NY | 11372 | $837.9M |
| Great Neck Branch | Great Neck , NY | 11021 | $698.8M |
| Remson Branch | Brooklyn , NY | 11242 | $689.3M |
| Apple Valley Branch | Apple Valley , CA | 92307 | $537.2M |
| Hauppauge Branch | Hauppauge , NY | 11788 | $481.6M |
| 300 Park Avenue Branch | New York , NY | 10022 | $452.2M |
| 1688 Victory Blvd Branch | Staten Island , NY | 10314 | $451.4M |
| Marine Park | Brooklyn , NY | 11229 | $440.3M |
| Queens Blvd | Forest Hills , NY | 11375 | $390.6M |
| 923 Broadway | Woodmere , NY | 11598 | $374.8M |
| Bellmore Branch | Bellmore , NY | 11710 | $365.8M |
| Howard Beach Branch | Howard Beach , NY | 11414 | $353.8M |
| Woodrow Plaza Branch | Staten Island , NY | 10309 | $331.1M |
| New Utrecht Avenue Branch | Brooklyn , NY | 11219 | $311.6M |
| Ozone Park Branch | Ozone Park , NY | 11416 | $309.6M |
| New Springville Branch | Staten Island , NY | 10314 | $307.4M |
| Delray Beach Branch | Delray Beach , FL | 33446 | $293.3M |
| Roslyn Branch | Roslyn , NY | 11576 | $288.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 11, 2026 | M&A | ma_related | SEC |
| May 18, 2026 | M&A | ma_related | SEC |
| March 27, 2026 | M&A | ma_related | SEC |
| November 3, 2025 | M&A | ma_related | SEC |
| October 20, 2025 | M&A | ma_completion | SEC |
| October 20, 2025 | M&A | post_ma_delisting | SEC |
| October 20, 2025 | Delisting | delisting | SEC |
| October 18, 2025 | Structure Change | Acquired Flagstar Financial, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 2025 | M&A | Acquired Flagstar Financial, Inc. merger for the acquired bank | SEC |
| August 22, 2025 | M&A | ma_announcement | SEC |
| August 22, 2025 | M&A | ma_proxy | SEC |
| August 8, 2025 | M&A | ma_proxy | SEC |
| July 7, 2025 | M&A | ma_related | SEC |
| March 21, 2025 | M&A | ma_related | SEC |
| December 16, 2024 | M&A | ma_related | SEC |
| November 6, 2024 | M&A | ma_completion | SEC |
| October 25, 2024 | M&A | ma_related | SEC |
| October 15, 2024 | M&A | ma_related | SEC |
| September 24, 2024 | M&A | ma_announcement | SEC |
| September 4, 2024 | M&A | ma_related | SEC |
| August 13, 2024 | M&A | ma_announcement | SEC |
| July 29, 2024 | M&A | ma_announcement | SEC |
| July 16, 2024 | M&A | ma_related | SEC |
| June 13, 2024 | M&A | ma_completion | SEC |
| June 10, 2024 | M&A | ma_related | SEC |
| June 4, 2024 | M&A | ma_related | SEC |
| May 16, 2024 | M&A | ma_related | SEC |
| April 26, 2024 | M&A | ma_related | SEC |
| April 18, 2024 | M&A | ma_related | SEC |
| March 20, 2024 | M&A | ma_related | SEC |
| March 14, 2024 | M&A | ma_announcement | SEC |
| March 8, 2024 | M&A | ma_related | SEC |
| February 29, 2024 | M&A | ma_related | SEC |
| February 13, 2024 | M&A | ma_related | SEC |
| September 11, 2023 | M&A | ma_related | SEC |
| June 5, 2023 | M&A | ma_related | SEC |
| March 30, 2023 | M&A | ma_related | SEC |
| March 20, 2023 | M&A | Acquired Signature Bridge Bank, N.A. merger for the acquired bank | SEC |
| March 20, 2023 | M&A | ma_completion | SEC |
| March 20, 2023 | Structure Change | Acquired Signature Bridge Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 19, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2022 | M&A | Acquired another institution merger for the acquired bank | SEC |
| December 1, 2022 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2022 | M&A | ma_completion | SEC |
| December 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 28, 2022 | M&A | ma_announcement | SEC |
| June 8, 2022 | M&A | ma_related | SEC |
| April 27, 2022 | M&A | ma_announcement | SEC |
| March 1, 2022 | M&A | ma_related | SEC |
| July 30, 2021 | M&A | ma_communication | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 50 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Flagstar Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 1 against individuals associated with it
- July 23, 1991, OCC (former OTS): Supervisory Agreement: First Security Savings Bank, FSB
- Period: Most recent institution action July 23, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in NY, rank 11 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 19,261 applications, 9,656 loans originated, $3.48B originated, across 52 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $603K approved, $201K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 22 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2019-Q1 to 2019-Q4. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Flagstar Bank, N.A.
What are Flagstar Bank, N.A.'s total assets?
As of the Q2 2026 filing, Flagstar Bank, N.A. reported total assets of $87.71 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Flagstar Bank, N.A. headquartered?
Flagstar Bank, N.A. is headquartered in Hicksville, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Flagstar Bank, N.A. founded?
Flagstar Bank, N.A. was established in 1987, per the FDIC institution directory.
Is Flagstar Bank, N.A. FDIC-insured?
Yes. Flagstar Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #32541). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Flagstar Bank, N.A.?
Flagstar Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Flagstar Bank, N.A.'s CET1 capital ratio?
Flagstar Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Flagstar Bank, N.A. operate?
Flagstar Bank, N.A. operates 345 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Flagstar Bank, N.A.'s Texas Ratio?
Flagstar Bank, N.A.'s Texas Ratio is 32.95% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Flagstar Bank, N.A. previously called?
The charter now named Flagstar Bank, N.A. has also operated as Flagstar Bank, FSB (1996-2022), First Security Savings Bank, FSB (1988-1996), per FDIC structure-change records.
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