Flagstar Bank, N.A.: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Flagstar Bank, N.A. reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 12.38% in Q3 2026, down 1.67 percentage points from 14.05% in Q3 2025. Across the 12 quarters shown it ranged from 10.52% (Q4 2023) to 14.05% (Q3 2025).
What the capital ratios and amounts page covers and where each line comes from.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets fell 0.68 percentage points from Q2 2026 to Q3 2026, ending at 8.63% against 9.31%. It was the largest change among the key lines on this page. Flagstar Bank, N.A. ranks 68th of 81 New York banks on CET1 ratio, in the lower half at 12.38% (Q3 2026). The median for banks in the $10B-100B asset tier is 12.88% on CET1 ratio. Flagstar Bank, N.A. sits 0.50 points lower, at 12.38% (Q3 2026).
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.38% |
| Tier 1 risk-based capital ratio | 13.19% |
| Total risk-based capital ratio | 15.74% |
| Tier 1 leverage ratio | 9.33% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R; Common equity Tier 1 ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $7.71B |
| Tier 1 capital | $8.22B |
| Total risk-based capital | $9.80B |
| Total equity capital | $7.64B |
| Risk-weighted assets | $62.29B |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCFD3210). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.75% |
| Tangible equity to tangible assets | 8.42% |
| Equity capital to average assets | 8.63% |
| Internal capital growth rate | -0.01% |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $4.2M |
| Common stock surplus | $9.31B |
| Retained earnings | -$958.2M |
| Preferred stock and surplus | $503.9M |
| Accumulated other comprehensive income | -$838.9M |
| Subordinated notes and debentures | $448.8M |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 10.52% | 10.52% | 11.61% | 8.48% | $88.45B |
| Q1 2024 | 11.08% | 11.08% | 12.33% | 8.16% | $85.37B |
| Q2 2024 | 10.84% | 10.84% | 12.09% | 7.82% | $85.67B |
| Q3 2024 | 11.94% | 11.94% | 13.19% | 7.64% | $75.89B |
| Q4 2024 | 13.21% | 13.21% | 14.47% | 8.05% | $67.47B |
| Q1 2025 | 13.36% | 13.36% | 14.62% | 8.91% | $66.31B |
| Q2 2025 | 13.89% | 13.89% | 15.15% | 9.11% | $63.62B |
| Q3 2025 | 14.05% | 14.05% | 15.31% | 9.58% | $62.84B |
| Q4 2025 | 12.83% | 13.66% | 16.23% | 9.22% | $61.13B |
| Q1 2026 | 13.23% | 14.08% | 16.68% | 9.61% | $59.56B |
| Q2 2026 | 13.16% | 13.99% | 16.58% | 9.70% | $60.32B |
| Q3 2026 | 12.38% | 13.19% | 15.74% | 9.33% | $62.29B |
Flagstar Bank, N.A. capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. How these pages are built. See the full Flagstar Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32541) · FFIEC NIC profile (RSSD 694904)