FLAGSTAR BANK, NATIONAL ASSOCIATION

HICKSVILLE, NY | Regional | Est. May 20, 1987, midnight | FDIC #32541 | RSSD #694904 | OCC
Latest Report: 2025-12-31

FLAGSTAR BANK, NATIONAL ASSOCIATION is arn regional FDIC-insured commercial bank headquartered in HICKSVILLE, NY, established in May 20, 1987, midnight. As of 2025-12-31, the bank reported total assets of $87.5B and total deposits of $66.0B. Profitability stands at 0.13% ROA and 1.41% ROE, with a net interest margin of 2.27%. The bank's CET1 capital ratio is 12.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.27% and a Texas Ratio of 35.07%. FDIC Certificate #32541.

Assets

$87.5B

Deposits

$66.0B

Loans

$61.0B

Equity

$8.1B

Profitability

Return on Assets (ROA) 0.13%
Return on Equity (ROE) 1.41%
Net Interest Margin (NIM) 2.27%
Yield on Assets 5.14%
Cost of Funds 4.31%

Asset Quality

NPL Ratio 5.27%
Net Charge-Off Ratio 0.58%
Texas Ratio 35.07%
NPA Ratio 3.68%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 12.83%
Tier 1 Capital 13.66%
Total Capital Ratio 16.23%
Leverage Ratio 9.22%
Loan-to-Deposit 92.42%

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