Bank call report · Hicksville, NY
Flagstar Bank, N.A. Call Report
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Flagstar Bank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 031. Below are its 659 reported line items, schedule by schedule (1,060 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 031 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 694904 |
| FDIC certificate number | 32541 |
| Total assets | $87.71B |
Official Q2 2026 call report PDF (FFIEC) →
Flagstar Bank, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 031.
Schedule RC: Balance Sheet (31 items)
About Schedule RC · Flagstar Bank, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCFD2170 | $87.71B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCFD3300 | $87.71B |
| Total Liabilities and Minority Interest | RCFD2948 | $79.57B |
| Total Deposits | RCON2200 | $67.52B |
| Loans and Leases, Net of Unearned Income - Totals | RCFDB528 | $60.99B |
| Loans and Leases, Net of Unearned Income and Allowance | RCFDB529 | $60.12B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $55.79B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCFD1773 | $16.55B |
| Deposits: Noninterest-bearing | RCON6631 | $11.73B |
| Other Borrowed Money | RCFD3190 | $10.49B |
| Surplus | RCFD3839 | $9.30B |
| Total Equity Capital | RCFD3210 | $8.14B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCFDG105 | $8.14B |
| Interest-bearing Balances | RCFD0071 | $4.69B |
| Other Assets | RCFD2160 | $4.44B |
| Other Liabilities, Total | RCFD2930 | $1.12B |
| Undivided Profits and Capital Reserves | RCFD3632 | -$958.0M |
| Allowance for Loan and Lease Losses | RCFD3123 | $869.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCFD2145 | $845.3M |
| Accumulated Other Comprehensive Income | RCFDB530 | -$546.9M |
| Perpetual Preferred Stock and Related Surplus | RCFD3838 | $503.9M |
| Subordinated Notes and Debentures | RCFD3200 | $448.7M |
| Noninterest-bearing Balances and Currency and Coin | RCFD0081 | $416.0M |
| Intangible Assets | RCFD2143 | $334.5M |
| Loans and Leases Held for Sale | RCFD5369 | $207.6M |
| Other Components of Equity Capital | RCFDA130 | -$161.1M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCFD2130 | $89.0M |
| Equity securities with readily determinable fair values not held for trading | RCFDJA22 | $14.2M |
| Common Stock | RCFD3230 | $4.2M |
| Trading Assets, Total | RCFD3545 | $1.7M |
| Trading Liabilities, Total | RCFD3548 | $884K |
Schedule RI: Income Statement (57 items)
About Schedule RI · Flagstar Bank, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $1.96B |
| Interest and Fee Income on Loans, Total | RIAD4010 | $1.46B |
| Total Interest Expense | RIAD4073 | $1.08B |
| Total Noninterest Expense | RIAD4093 | $915.7M |
| Net Interest Income | RIAD4074 | $882.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $760.1M |
| Salaries and Employee Benefits | RIAD4135 | $448.2M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $445.0M |
| Other Noninterest Expense | RIAD4092 | $324.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $303.3M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $281.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $272.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $228.9M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $218.9M |
| Total Noninterest Income | RIAD4079 | $135.8M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $133.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $132.2M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $96.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $95.7M |
| Other Noninterest Income | RIADB497 | $90.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $85.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $80.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $55.3M |
| Net Income (Loss) | RIAD4340 | $55.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $55.3M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $47.6M |
| Income from Lease Financing Receivables | RIAD4065 | $41.2M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $35.7M |
| Other Interest Income | RIAD4518 | $31.0M |
| Applicable Income Taxes | RIAD4302 | $24.8M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $23.0M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $22.8M |
| All Other Loans in Domestic Offices | RIADB487 | $21.9M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $17.9M |
| Interest on Notes and Debentures Subordinated to Deposits | RIAD4200 | $16.2M |
| Provision for Loan and Lease Losses | RIAD4230 | $15.9M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $15.0M |
| Interest on Other Securities | RIAD4060 | $10.8M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $9.3M |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | $9.0M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $8.6M |
| Fees and Commissions from Annuity Sales | RIADC887 | $7.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $6.9M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $5.8M |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$5.0M |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $2.8M |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $1.4M |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $1.4M |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $1.3M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $817K |
| Net Servicing Fees | RIADB492 | $671K |
| Trading Revenue | RIADA220 | $470K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$207K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $120K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $98K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $65K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 5,374 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions (consolidated) | RCFD0010 | $5.11B |
| Cash and Balances Due from Depository Institutions (domestic offices) | RCON0010 | $5.11B |
| Balances Due from Federal Reserve Banks (consolidated) | RCFD0090 | $4.64B |
| Balances Due from Federal Reserve Banks (domestic offices) | RCON0090 | $4.64B |
| Cash Items in Process of Collection, Unposted Debits, and Currency and Coin | RCFD0022 | $373.8M |
| Currency and Coin | RCON0080 | $227.6M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $146.2M |
| Balances Due from Depository Institutions in the U.S. (consolidated) | RCFD0082 | $90.6M |
| Balances Due from Depository Institutions in the U.S. (domestic offices) | RCON0082 | $90.6M |
| Balances Due from Banks in Foreign Countries and Foreign Central Banks (consolidated) | RCFD0070 | $5K |
| Balances Due from Banks in Foreign Countries and Foreign Central Banks (domestic offices) | RCON0070 | $5K |
Schedule RC-B: Securities (38 items)
About Schedule RC-B · Flagstar Bank, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCFDG302 | $9.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCFDG303 | $8.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCFDG306 | $816.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCFDG307 | $710.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCFDG314 | $11.06B |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCFDG315 | $10.84B |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCFDG322 | $142.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCFDG323 | $152.4M |
| Total Amortized Cost of Available-for-sale Securities | RCFD1772 | $17.29B |
| Pledged Securities | RCFD0416 | $16.29B |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCFDA562 | $7.72B |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCFDA561 | $5.20B |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCFDK152 | $2.11B |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCFDK153 | $1.93B |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCFDHT52 | $1.51B |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCFDHT53 | $1.28B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCFDA553 | $1.12B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCFDA551 | $1.09B |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCFD1286 | $1.00B |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCFD1287 | $1.00B |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCFDA560 | $504.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCFDA549 | $368.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCFDA552 | $319.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCFDK144 | $249.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCFDK145 | $231.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCFDA559 | $207.6M |
| Amortized Cost of Available-for-sale Asset-backed Securities: Other Consumer Loans | RCFDB852 | $202.7M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCFDC989 | $202.7M |
| Fair Value of Available-for-sale Asset-backed Securities: Other Consumer Loans | RCFDB853 | $199.1M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCFDC027 | $199.1M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCFD1739 | $195.9M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCFD1741 | $190.8M |
| Unallocated portfolio layer fair value hedge basis adjustments | RCFDMG95 | -$11.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCFDA550 | $9.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCFDA558 | $6.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCFD8498 | $3.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCFD8499 | $3.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCFDA557 | $857K |
Schedule RC-C, Part I: Loans and Leases (70 items)
About Schedule RC-C, Part I · Flagstar Bank, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income (consolidated) | RCFD2122 | $61.19B |
| Total Loans and Leases, Net of Unearned Income (domestic offices) | RCON2122 | $61.19B |
| Pledged Loans and Leases | RCFDG378 | $31.33B |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties (consolidated) | RCFD1460 | $26.92B |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties (domestic offices) | RCON1460 | $26.92B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCFDA570 | $20.28B |
| Commercial and Industrial Loans to U.S. Addressees (consolidated) | RCFD1763 | $12.07B |
| Commercial and Industrial Loans to U.S. Addressees (domestic offices) | RCON1763 | $12.07B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCFDA574 | $10.60B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCFDA572 | $9.64B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCFDA573 | $6.57B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCFDA247 | $6.07B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens (consolidated) | RCFD5367 | $5.77B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens (domestic offices) | RCON5367 | $5.77B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCFDA571 | $4.95B |
| Loans Secured by Other Nonfarm Nonresidential Properties. (consolidated) | RCFDF161 | $4.47B |
| Loans Secured by Other Nonfarm Nonresidential Properties. (domestic offices) | RCONF161 | $4.47B |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $3.85B |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions (consolidated) | RCFDJ454 | $3.46B |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions (domestic offices) | RCONJ454 | $3.46B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties (consolidated) | RCFDF160 | $2.51B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties (domestic offices) | RCONF160 | $2.51B |
| All Other Lease Financing Receivables | RCFDF163 | $1.75B |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $1.75B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.68B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $1.55B |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit (consolidated) | RCFD1797 | $1.36B |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit (domestic offices) | RCON1797 | $1.36B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $1.36B |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. (consolidated) | RCFD2107 | $1.26B |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. (domestic offices) | RCON2107 | $1.26B |
| Loans to mortgage credit intermediaries (consolidated) | RCFDPV05 | $1.11B |
| Loans to mortgage credit intermediaries (domestic offices) | RCONPV05 | $1.11B |
| Loans to private equity funds (consolidated) | RCFDPV07 | $866.8M |
| Loans to private equity funds (domestic offices) | RCONPV07 | $866.8M |
| Loans to consumer credit intermediaries (consolidated) | RCFDPV08 | $763.9M |
| Loans to consumer credit intermediaries (domestic offices) | RCONPV08 | $763.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans (consolidated) | RCFDF159 | $758.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans (domestic offices) | RCONF159 | $758.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $651.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCFDA575 | $644.8M |
| Loans Secured by 1-4 Family Residential Construction (consolidated) | RCFDF158 | $611.1M |
| Loans Secured by 1-4 Family Residential Construction (domestic offices) | RCONF158 | $611.1M |
| Other loans to nondepository financial institutions (consolidated) | RCFDPV09 | $516.7M |
| Other loans to nondepository financial institutions (domestic offices) | RCONPV09 | $516.7M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCFD2746 | $440.6M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCFDHK25 | $337.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $214.1M |
| Loans to business credit intermediaries (consolidated) | RCFDPV06 | $202.0M |
| Loans to business credit intermediaries (domestic offices) | RCONPV06 | $202.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $199.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCFDK163 | $123.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) (consolidated) | RCFDK207 | $83.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) (domestic offices) | RCONK207 | $83.5M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $79.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens (consolidated) | RCFD5368 | $75.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens (domestic offices) | RCON5368 | $75.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $74.2M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) (consolidated) | RCFDJ451 | $38.8M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) (domestic offices) | RCONJ451 | $38.8M |
| Loans to Finance Agricultural Production and Other Loans to Farmers (consolidated) | RCFD1590 | $30.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers (domestic offices) | RCON1590 | $30.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans (consolidated) | RCFDB539 | $19.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans (domestic offices) | RCONB539 | $19.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $10.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) (consolidated) | RCFDK137 | $3.9M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) (domestic offices) | RCONK137 | $3.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: 1 - 4 Family Residential Construction Loans | RCONK158 | $3.8M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $3.6M |
| Total Carrying Amount of Closed-end Loans with Negative Amortization Features Secure by 1-4 Family Residential Properties | RCONF230 | $1.1M |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $860.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $219.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $119.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $79.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $8.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $910K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $63K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 3,605 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 2,931 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 2,330 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 269 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 66 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 25 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 1 |
Schedule RC-D: Trading Assets and Liabilities (2 items)
Schedule RC-E: Deposit Liabilities (41 items)
About Schedule RC-E · Flagstar Bank, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $43.35B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $39.69B |
| Total Transaction Accounts | RCON2215 | $24.17B |
| Total Demand Deposits (See Note Below) | RCON2210 | $22.92B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $22.25B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $14.30B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $13.11B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $12.50B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $8.49B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $8.28B |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $7.27B |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $6.86B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $6.53B |
| Total Brokered Deposits | RCON2365 | $6.53B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $6.53B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $6.49B |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $6.43B |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $6.06B |
| Total reciprocal deposits | RCONJH83 | $4.39B |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $4.26B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $4.22B |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $3.66B |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $3.53B |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $3.20B |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $2.09B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $1.96B |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $1.84B |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $1.80B |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.16B |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.07B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $879.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $777.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $450.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $56.0M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $52.6M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $30.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $10.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $3.4M |
| Total Transaction Accounts - Deposits of Foreign Governments and Official Institutions | RCON2216 | $1.4M |
| Total Nontransaction Accounts - Deposits of Foreign Governments and Official Institutions | RCON2377 | $750K |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $303K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCFD2168 | $1.54B |
| Life Insurance Assets: General Account Life Insurance Assets | RCFDK201 | $1.20B |
| Historical Cost of All Other Available-for-sale Equity Securities | RCFD1752 | $894.0M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCFDK270 | $455.3M |
| Accrued Interest Receivable | RCFDB556 | $341.3M |
| Net Deferred Tax Assets | RCFD2148 | $17.2M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCFD2938 | $665.2M |
| Operating lease liabilities | RCFDLB56 | $417.7M |
| Other Expenses Accrued and Unpaid | RCFD3646 | $288.0M |
| Net Deferred Tax Liabilities | RCFD3049 | $69.1M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCFDB557 | $57.0M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $35.7M |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · Flagstar Bank, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCFD3368 | $87.40B |
| Quarterly Average of Total Loans | RCON3360 | $59.30B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $36.15B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $22.27B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $13.55B |
| Mortgage-backed Securities | RCFDB559 | $13.23B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $12.93B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $12.63B |
| Quarterly Average of Other Borrowed Money | RCFD3355 | $9.82B |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $7.23B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $7.21B |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCFD3381 | $5.04B |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCFDB558 | $2.51B |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCFD3484 | $1.67B |
| All Other Securities | RCFDB560 | $428.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $142.6M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $30.2M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCFD3353 | $4.9M |
| Quarterly Average of Assets Held in Trading Accounts | RCFD3401 | $3.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (41 items)
About Schedule RC-L · Flagstar Bank, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCFDG403 | $372.4M |
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Purchased Protection That Is Not Recognized as a Guarantee for Regulatory Capital Purposes | RCFDG405 | $23.5M |
| Notional Amount of Sold Credit Protection: Subinnvestment Grade - with Remaining Maturity of One Year or Less. | RCFDG409 | $97.2M |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over Five Years | RCFDG411 | $47.8M |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCFDG410 | $227.4M |
| Notional Amount of Purchased Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCFDG416 | $23.5M |
| Over the Counter Derivatives: Net Current Credit Exposure - Banks and Securities Firms | RCFDG418 | $12.4M |
| Over the Counter Derivatives: Net Current Credit Exposure - Corporations and All Other Counterparties | RCFDG422 | $4.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCFD8725 | $10.69B |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCFD3450 | $8.00B |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCFDA589 | $6.00B |
| Other Unused Commitments: Commercial and Industrial Loans | RCFDJ457 | $5.94B |
| Purchased OTC Interest Rate Option Contracts | RCFD8713 | $2.34B |
| Other unused commitments: Loans to nondepository financial institutions | RCFDPV11 | $1.30B |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCFD3814 | $1.20B |
| Other Unused Commitments: All Other Unused Commitments | RCFDJ459 | $1.12B |
| Written OTC Interest Rate Option Contracts | RCFD8709 | $1.01B |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCFD6550 | $910.8M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCFDA126 | $875.4M |
| 1-4 Family Residential Construction Loan Commitments | RCFDF164 | $632.5M |
| Other unused commitments: Loans to private equity funds | RCFDPV14 | $574.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCFDF165 | $566.6M |
| Other unused commitments: Loans to mortgage credit intermediaries | RCFDPV12 | $413.3M |
| Credit Derivatives: Notional Amounts-credit Default Swaps-guarantor | RCFDC968 | $372.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCFD3819 | $339.4M |
| Interest Rate Forward Contracts | RCFD8697 | $204.9M |
| Other unused commitments: Loans to consumer credit intermediaries | RCFDPV15 | $165.2M |
| Other unused commitments: Other loans to nondepository financial institutions | RCFDPV16 | $95.3M |
| Other unused commitments: Loans to business credit intermediaries | RCFDPV13 | $50.6M |
| Commercial and Similar Letters of Credit | RCFD3411 | $41.6M |
| Foreign Exchange Forward Contracts | RCFD8698 | $35.0M |
| Total Gross Notional Amount of Foreign Exchange Derivative Contracts Held for Trading | RCFDA127 | $35.0M |
| Credit Derivatives: Notional Amounts - Credit Defaults Swaps - Beneficiary | RCFDC969 | $23.5M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCFD8745 | $21.7M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCFD8741 | $16.7M |
| Performance Standby Letters of Credit | RCFD3821 | $16.3M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCFD8733 | $1.7M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCFD8737 | $884K |
| Gross Positive Fair Value of Foreign Exchange Derivative Contracts Held for Trading | RCFD8734 | $455K |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Negative Fair Value | RCFDC220 | $220K |
| Gross Negative Fair Value of Foreign Exchange Derivative Contracts Held for Trading | RCFD8738 | $34K |
Schedule RC-M: Memoranda (16 items)
About Schedule RC-M · Flagstar Bank, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCFD2651 | $6.25B |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCFDF055 | $6.25B |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCFDF056 | $3.40B |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCFDF060 | $437.6M |
| All other intangible assets | RCFDJF76 | $333.8M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCFDF058 | $250.0M |
| FHLB Advances: Structured Advances | RCFDF059 | $250.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCFD6164 | $169.4M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCFDF063 | $149.3M |
| Outstanding balance of PPP loans | RCONLG27 | $3.1M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $2.0M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $1.2M |
| Estimated Fair Value of Mortgage Servicing Assets | RCFDA590 | $709K |
| Mortgage Servicing Assets | RCFD3164 | $709K |
| Number of outstanding PPP Loans | RCONLG26 | 9 |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCFD6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (50 items)
About Schedule RC-N · Flagstar Bank, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCFD1403 | $2.99B |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $2.13B |
| Additions to Nonaccrual Assets | RCFDC410 | $788.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCFD1406 | $372.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $316.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $245.5M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $233.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCFDHK28 | $220.0M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCFDK038 | $183.8M |
| Rebooked 'Gnma Loans' That Have Been Repurchased or Are Eligible for Repurchase Included in Item 10 - Nonaccrual | RCFDK044 | $182.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by Multifamily Residential Properties in Domestic Offices: Nonaccrual | RCONK113 | $153.5M |
| Commercial and Industrial Loans to U.S. Addressees (Domicile) - Nonaccrual | RCFD1253 | $104.7M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $96.5M |
| Commercial and Industrial Loans to U.S. Addressees (Domicile) - Past Due 30-89 Days and Still Accruing | RCFD1251 | $66.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $53.5M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCFD1407 | $51.5M |
| Nonaccrual Assets Sold During the Quarter | RCFDC411 | $50.2M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCFDHK26 | $41.9M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 90 Days or More and Still Accruing | RCON3500 | $37.9M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $35.5M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $24.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by Multifamily Residential Properties in Domestic Offices: Past Due 30 Through 89 Days and Still Accruing | RCONK111 | $23.4M |
| 1-4 Family Residential Construction Loans, Nonaccrual | RCONF176 | $23.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $20.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK117 | $18.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $13.4M |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCFD5459 | $13.2M |
| Loans to Nondepository Financial Institutions Included in Schedule Rc-n, Item 7 - Past Due 30 Through 89 Days and Still Accruing | RCFDPV23 | $13.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $12.6M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $12.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $8.6M |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $8.0M |
| All Other Leases, Nonaccrual | RCFDF171 | $5.6M |
| Loans and Leases Held for Sale | RCFDC226 | $5.0M |
| 1-4 Family Residential Construction Loans, Past Due 90 or More Days and Still Accruing. | RCONF174 | $4.5M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCFDK036 | $4.4M |
| Rebooked 'Gnma Loans' That Have Been Repurchased or Are Eligible for Repurchase Included in Item 10 - Past Due 30 Through 89 Days and Still Accruing | RCFDK042 | $4.4M |
| All Other Leases, Past Due 30-89 Days and Still Accruing | RCFDF169 | $2.6M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCFDK041 | $1.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $1.6M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCFDK216 | $1.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $1.1M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCFDK218 | $987K |
| All Other Loans - Nonaccrual | RCFD5461 | $943K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $587K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCFDK122 | $425K |
| Commercial and Industrial Loans to U.S. Addressees (Domicile) - Past Due 90 Days or More and Still Accruing | RCFD1252 | $421K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCFDK215 | $359K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCFDK213 | $73K |
| Loans to Nondepository Financial Institutions Included in Schedule Rc-n, Item 7 - Nonaccrual | RCFDPV25 | $50K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (23 items)
About Schedule RC-O · Flagstar Bank, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unsecured Other Borrowings with a Remaining Maturity of Over Five Years | RCFDG468 | $586.8M |
| Subordinated Notes and Debentures with a Remaining Maturity of Over One Year Through Three Years | RCFDG470 | $298.7M |
| Subordinated Notes and Debentures with a Remaining Maturity of Over Three Years Through Five Years | RCFDG471 | $150.0M |
| Average Consolidated Total Assets for the Calendar Quarter | RCFDK652 | $87.40B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCFDF236 | $68.10B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $37.80B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $29.23B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $19.54B |
| Average Tangible Equity for the Calendar Quarter | RCFDK654 | $8.43B |
| Nonbrokered Time Deposits of More Than $250,000 in Domestic Offices | RCONK678 | $7.27B |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $943.1M |
| Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate | RCFDK676 | $863.5M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCFDN179 | $368.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $124.4M |
| Portion of Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms and Are Guaranteed or Insured by the U.S. Government (Including the FDIC) (Included in Schedule Rc-c, Part I, | RCFDL189 | $8.1M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Commercial and Industrial Loans | RCFDN181 | $4.3M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Loans Secured by Multifamily Residential and Nonfarm Nonresidential Properties | RCFDN178 | $3.7M |
| Amount of Other Real Estate Owned Recoverable from the U.S. Government Under Guarantee or Insurance Provisions (Excluding FDIC Loss-sharing Agreements). | RCFDK669 | $506K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,278,647 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 37,053 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 34,846 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 360 |
| Averaging Method Used | RCFDK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $295.2M |
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $253.3M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $207.1M |
| Repurchases and indemnification of 1-4 family residential mortgage laons during the quarter | RCONHT86 | $4.0M |
| Representation and Warranty Reserves for 1-4 Family Residential Mortgage Loans Sold: Total | RCONM288 | $1.4M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | -$415K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (30 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Sale - Level 2 Fair Value Measurements | RCFDG486 | $207.6M |
| Loans and Leases Held for Sale - Total Fair Value Reported on Schedule Rc | RCFDG483 | $207.6M |
| Trading Derivative Assets - Level 2 Fair Value Measurements | RCFDG495 | $102K |
| Trading Derivative Assets - Level 3 Fair Value Measurements | RCFDG496 | $1.6M |
| Trading Derivative Liabilities - Level 2 Fair Value Measurements | RCFDG514 | $882K |
| Trading Derivative Liabilities - Level 3 Fair Value Measurements | RCFDG515 | $2K |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCFDG502 | $16.79B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCFDJA36 | $16.57B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCFDG505 | $15.77B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCFDG476 | $15.55B |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCFDG475 | $1.00B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCFDG504 | $1.00B |
| Loans measured at fair value, Loans secured by real estate, Secured by 1-4 family residential properties, Domestic Offices | RCFDHT87 | $207.1M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, Secured by 1-4 family residential properties, Domestic Offices | RCFDHT91 | $206.3M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCFDG506 | $24.5M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCFDG531 | $22.6M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCFDG534 | $22.6M |
| Available-for-sale Securities - Level 3 Fair Value Measurements | RCFDG477 | $22.3M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCFDG569 | $21.7M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCFDG566 | $21.7M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCFDG808 | $21.7M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCFDG805 | $21.7M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCFDG391 | $17.5M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCFDG544 | $16.7M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCFDG541 | $16.7M |
| All Other Assets - Level 2 Fair Value Measurements | RCFDG396 | $16.7M |
| All Other Assets - Level 3 Fair Value Measurements | RCFDG804 | $709K |
| Loans measured at fair value, Loans secured by real estate, All other loans secured by real estate, Domestic Offices | RCFDHT88 | $473K |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, All other loans secured by real estate, Domestic Offices | RCFDHT92 | $464K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCFDG535 | $2K |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (30 items)
About Schedule RC-R, Part I · Flagstar Bank, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCFAKW03 | $87.40B |
| Average Total Assets (Net of Deductions) | RCFAA224 | $86.98B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCFAA223 | $60.32B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCFA3792 | $10.00B |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCFAP742 | $9.14B |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCFA8274 | $8.44B |
| Common Equity Tier 1 Capital | RCFAP859 | $7.94B |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCFAP852 | $7.94B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCFAP840 | $7.64B |
| Tier 2 (Supplementary) Capital | RCFA5311 | $1.56B |
| Tier 2 Capital Before Deductions | RCFAP870 | $1.56B |
| Retained Earnings | RCFAKW00 | -$958.0M |
| Tier 2 Capital Instruments Plus Related Surplus | RCFAP866 | $806.1M |
| General Loan and Lease Valuation Allowances | RCFA5310 | $756.2M |
| Accumulated Other Comprehensive Income | RCFAB530 | -$546.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCFAP844 | -$525.5M |
| Additional Tier 1 Capital | RCFAP865 | $503.9M |
| Additional Tier 1 Capital Before Deductions | RCFAP863 | $503.9M |
| Additional Tier 1 Capital Instruments Plus Related Surplus | RCFAP860 | $503.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCFAP875 | $245.8M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCFAP842 | $245.4M |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCFAB596 | $180.7M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCFAP847 | -$20.4M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCFAP843 | $423K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCFA7205 | 0.1658 |
| Tier 1 Risk-based Capital Ratio | RCFA7206 | 0.1399 |
| Common Equity Tier 1 Capital Ratio | RCFAP793 | 0.1316 |
| Tier 1 Leverage Capital Ratio | RCFA7204 | 0.097 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCFAH311 | 0.0799 |
Schedule RC-R, Part II: Risk-Weighted Assets (109 items)
About Schedule RC-R, Part II · Flagstar Bank, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCFDS580 | $60.49B |
| Total Risk-weighted Assets | RCFDG641 | $60.32B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCFDG637 | $42.08B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCFDG633 | $42.08B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCFDD990 | $37.99B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCFDS457 | $34.06B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCFDS462 | $32.20B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCFDS439 | $24.14B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCFDG632 | $22.48B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCFDD989 | $22.45B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCFDS442 | $21.63B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCFDJA21 | $16.42B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCFDG630 | $14.32B |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCFDD987 | $14.25B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCFDG631 | $11.41B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCFDG636 | $11.24B |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCFDD988 | $10.88B |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCFDD968 | $8.80B |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCFDD967 | $8.16B |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCFDG624 | $8.09B |
| Total All Other Assets | RCFDD981 | $5.71B |
| Total Cash and Balances Due from Depository Institutions | RCFDD957 | $5.11B |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCFDD958 | $4.87B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCFDS583 | $4.42B |
| Notional Principal Amounts of Centrally Cleared Dervative Contracts, Interest Rate - One Year or Less | RCFDS603 | $4.40B |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCFDS572 | $4.18B |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCFDG625 | $4.05B |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCFDG629 | $3.55B |
| All Other Assets - 100 Pct Risk Weight Category | RCFDD985 | $3.50B |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCFDS449 | $2.79B |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCFDS455 | $2.79B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCFDS561 | $2.79B |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCFDS503 | $2.79B |
| Unconditionally Cancellable Commitments | RCFDS540 | $2.58B |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCFDG635 | $2.28B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCFDS443 | $2.08B |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCFDS500 | -$1.11B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCFDS582 | $1.06B |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCFDS525 | $900.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCFDS460 | $817.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCFDS402 | -$746.5M |
| All Other Assets - 20 Pct Risk Weight Category | RCFDD983 | $732.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCFDS584 | $665.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCFDS459 | $581.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCFDG627 | $500.0M |
| All Other Assets - 0 Pct Risk Weight Category | RCFDD982 | $476.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCFDS461 | $466.4M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCFDH296 | $455.3M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCFDH297 | $455.3M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCFDH300 | $455.3M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCFDS469 | $350.5M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCFDD992 | $339.4M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCFDD991 | $339.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCFDS441 | $267.8M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCFDD996 | $266.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCFDD959 | $241.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over One Year Through Five Years | RCFDS592 | $227.4M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCFDS483 | $206.1M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCFDS413 | $202.1M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCFDD970 | $195.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCFDS526 | $180.0M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCFDS416 | $178.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCFDS530 | $176.9M |
| All Other Assets - 50 Pct Risk Weight Category | RCFDD984 | $173.8M |
| Allocation by Risk Weight Category 0%, Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCFDH178 | $161.6M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCFDS481 | $152.4M |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCFDS480 | $152.4M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - One Year or Less | RCFDS591 | $97.2M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCFDS542 | $88.5M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCFDS547 | $88.4M |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCFDD993 | $73.3M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCFDG619 | $69.9M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCFDG618 | $69.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over Five Years | RCFDS593 | $47.8M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCFDS573 | $44.8M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCFDS496 | $36.1M |
| Total Off-balance Sheet Securitization Exposures | RCFDS495 | $36.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Foreign Exchange Rate and Gold - One Year or Less | RCFDS585 | $35.0M |
| All Other Off- Balance Sheet Liabilities - 20 Pct Risk Weight Category | RCFDG621 | $32.2M |
| All Other Off- Balance Sheet Liabilities - 50 Pct Risk Weight Category | RCFDG622 | $29.5M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCFDS415 | $19.8M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCFDG642 | $18.9M |
| All Other Assets - 250 Pct Risk Weight Category | RCFDH293 | $17.9M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCFDS504 | $17.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCFDS562 | $17.9M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCFDD997 | $16.3M |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCFDG623 | $8.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCFDG605 | $8.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCFDD998 | $8.1M |
| Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCFDS428 | $5.0M |
| Total Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual | RCFDS423 | $5.0M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCFDS417 | $3.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCFDD969 | $3.8M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCFDG606 | $3.6M |
| Off-balance Sheet Securitization Exposures - Ssfa Risk Weight Exposure, by Calculation Method | RCFDS498 | $3.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 0% | RCFDS527 | $3.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 0 Pct Risk Weight Category | RCFDS451 | $2.5M |
| Total Trading Assets | RCFDD976 | $1.7M |
| Trading Assets - Adjustments to Totals Reported in Column a | RCFDS466 | $1.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 0 Pct Risk Weight Category | RCFDG626 | $739K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCFDG611 | $717K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCFDG607 | $717K |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures -Ssfa Risk Weight Exposure, by Calculation Method | RCFDS493 | $679K |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCFDS491 | $502K |
| Total On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures | RCFDS490 | $502K |
| Loans and Leases Held for Sale, All Other Exposures - 100 Pct Risk Weight Category | RCFDS436 | $464K |
| Total Loans and Leases Held for Sale, All Other Exposures | RCFDS431 | $464K |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCFDG628 | $455K |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCFDS545 | $102K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCFDA591 | $313.5M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCFDB790 | $73.8M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCFDB805 | $59.5M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCFDB797 | $41.0M |
Schedule RI-A: Changes in Bank Equity Capital (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $8.14B |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $8.14B |
| Total Equity Capital | RIAD3210 | $8.14B |
| Other Comprehensive Income | RIADB511 | -$58.2M |
| Treasury Stock Transactions, Net | RIADB510 | $28.4M |
| Cash Dividends Declared on Preferred Stock | RIAD4470 | $16.4M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $8.4M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | -$4.7M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (23 items)
About Schedule RI-B, Part I · Flagstar Bank, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $232.4M |
| Charge-offs on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3588 | $161.9M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $55.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $31.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $22.1M |
| Recoveries on Commercial and Industrial Loans to U.S. Addressees (Domicile) | RIAD4617 | $16.0M |
| Charge-offs of All Other Lease Financing Receivables | RIADC880 | $13.4M |
| Recoveries on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3589 | $10.3M |
| Charge-offs on Commercial and Industrial Loans to U.S. Addressees | RIAD4645 | $9.1M |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $8.5M |
| Charge-offs on All Other Loans | RIAD4644 | $3.6M |
| Recoveries on All Other Loans | RIAD4628 | $2.8M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $2.2M |
| Recoveries of All Other Lease Financing Receivables | RIADF188 | $1.8M |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $1.7M |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $1.5M |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $347K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $330K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $276K |
| Charge-offs on Automobile Loans | RIADK129 | $130K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $116K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $4K |
| Recoveries on Automobile Loans | RIADK133 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (6 items)
About Schedule RI-B, Part II · Flagstar Bank, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.03B |
| Allowance for Loan and Lease Losses | RIAD3123 | $869.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $232.4M |
| Balance at end of current period, Available-for-sale debt securities | RIADJH99 | $2.1M |
| Balance most recently reported for end of previous calendar year, Available-for-sale debt securities | RIADJH94 | $2.1M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $2.0M |
Schedule RI-C, Part II: Disaggregated Data on the Allowance for Credit Losses, Part II (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCFDJJ11 | $60.99B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCFDJJ05 | $33.93B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCFDJJ07 | $18.56B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCFDJJ06 | $7.12B |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCFDJJ04 | $1.24B |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCFDJJ19 | $869.0M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCFDJJ13 | $579.8M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCFDJJ15 | $176.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCFDJJ09 | $129.9M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCFDJJ14 | $86.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCFDJJ17 | $13.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCFDJJ12 | $12.4M |
Schedule RI-E: Explanations (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $119.7M |
| Consulting and Advisory Expense | RIADF557 | $37.8M |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $32.6M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $22.9M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $9.0M |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $9.0M |
Flagstar Bank, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Flagstar Bank, N.A. call report?
The Flagstar Bank, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Flagstar Bank, N.A. file?
Flagstar Bank, N.A. files the FFIEC 031. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Flagstar Bank, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Flagstar Bank, N.A. has Federal Reserve RSSD ID 694904 and FDIC certificate number 32541. Either one finds its filings on the FFIEC Central Data Repository.
How often does Flagstar Bank, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Flagstar Bank, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 32541) · FFIEC NIC profile (RSSD 694904)