Flagstar Bank, N.A.: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, Flagstar Bank, N.A. reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $67.82B in Q3 2026, down 2.6% from $69.63B in Q3 2025. That is 77.6% of its total assets. Across the 12 quarters shown it ranged from $66.00B (Q4 2025) to $83.63B (Q3 2024).
What the deposit base page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
The standout move of Q3 2026 was in Brokered deposits: 59.7% lower than in Q2 2026, at $2.63B. Among 105 New York banks, Flagstar Bank, N.A. sits 5th from the top on total deposits, $67.82B as of Q3 2026. Flagstar Bank, N.A.'s total deposits of $67.82B is well above the $18.20B median for banks in the $10B-100B asset tier, a gap of 273% (Q3 2026).
Deposit totals
| Line item | Q3 2026 |
|---|---|
| Total deposits | $67.82B |
| Domestic office deposits | $67.82B |
| Foreign office deposits | — |
| Deposits to total assets | 77.59% |
| Deposits to total liabilities | 85.02% |
Source: Call Report Schedules RC-E and RC-O. Open the filed call report for Q3 2026 on the FFIEC CDR.
Deposit composition
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $22.26B |
| Savings deposits | $14.34B |
| Transaction accounts to domestic deposits | 34.59% |
| Time deposits to total deposits | 31.59% |
| Time deposits under $100k | $7.32B |
| Time deposits $100k to $250k | $6.40B |
| Time deposits over $250k | $7.70B |
| Noninterest-bearing share of deposits | 18.27% |
Source: Call Report Schedules RC-E and RC-O. Open the filed call report for Q3 2026 on the FFIEC CDR.
Stability of funding
| Line item | Q3 2026 |
|---|---|
| Core deposits | $57.48B |
| Core deposits to total deposits | 84.76% |
| Insured deposits | $48.61B |
| Uninsured deposits | $19.72B |
| Uninsured deposits to total deposits | 29.07% |
| Brokered deposits | $2.63B |
| Brokered deposits to total deposits | 3.88% |
Source: Call Report Schedules RC-E and RC-O. Open the filed call report for Q3 2026 on the FFIEC CDR.
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.13% |
| Interest expense on deposits | $435.7M |
| Loans and leases to core deposits | 103.32% |
Source: Call Report Schedules RC-E and RC-O. Open the filed call report for Q3 2026 on the FFIEC CDR.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $81.68B | 79.25% | 39.17% | 12.98% | 3.65% |
| Q1 2024 | $75.53B | 70.70% | 21.12% | 20.81% | 3.83% |
| Q2 2024 | $79.68B | 70.87% | 21.14% | 21.09% | 4.12% |
| Q3 2024 | $83.63B | 71.51% | 22.62% | 20.71% | 4.41% |
| Q4 2024 | $76.45B | 71.80% | 24.99% | 19.54% | 4.31% |
| Q1 2025 | $74.44B | 73.61% | 22.99% | 17.59% | 3.77% |
| Q2 2025 | $70.25B | 75.22% | 23.51% | 15.25% | 3.74% |
| Q3 2025 | $69.63B | 76.97% | 26.50% | 12.78% | 3.60% |
| Q4 2025 | $66.00B | 78.72% | 26.57% | 10.26% | 3.36% |
| Q1 2026 | $66.83B | 79.12% | 26.84% | 9.83% | 3.07% |
| Q2 2026 | $67.52B | 79.55% | 28.94% | 9.68% | 3.06% |
| Q3 2026 | $67.82B | 84.76% | 29.07% | 3.88% | 3.13% |
Flagstar Bank, N.A. deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)