Flagstar Bank, N.A.: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
Flagstar Bank, N.A. reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $4.05B in Q3 2026, down 52.3% from $8.48B in Q3 2025. That is 4.6% of its total assets. Across the 12 quarters shown it ranged from $4.05B (Q3 2026) to $23.08B (Q3 2024).
What the liquidity and borrowings 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 to total deposits: 5.80 percentage points lower than in Q2 2026, at 3.88%. Flagstar Bank, N.A. ranks 32nd of 105 New York banks on loan-to-deposit ratio, in the upper half at 91.58% (Q3 2026). Flagstar Bank, N.A. reported 91.58% on loan-to-deposit ratio for Q3 2026, 5.61 points above the 85.97% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.05B |
| Cash and noninterest-bearing balances to assets | 4.63% |
| Cash and securities | $20.45B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.49B |
| Subordinated notes and debentures | $448.8M |
| Other borrowed money to assets | 12.00% |
| Trading liabilities | $145K |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 91.58% |
| Net loans and leases to deposits | 90.30% |
| Loans and leases to core deposits | 103.32% |
| Core deposits to total deposits | 84.76% |
| Brokered deposits to total deposits | 3.88% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 105.04% | 79.25% | $0 | $20.74B |
| Q1 2024 | 110.30% | 70.70% | $1.96B | $24.15B |
| Q2 2024 | 103.41% | 70.87% | $121.1M | $28.12B |
| Q3 2024 | 87.81% | 71.51% | $60.4M | $19.72B |
| Q4 2024 | 90.48% | 71.80% | $0 | $13.40B |
| Q1 2025 | 90.17% | 73.61% | $0 | $13.15B |
| Q2 2025 | 91.73% | 75.22% | $0 | $12.15B |
| Q3 2025 | 90.76% | 76.97% | $0 | $12.15B |
| Q4 2025 | 92.42% | 78.72% | $0 | $11.74B |
| Q1 2026 | 90.76% | 79.12% | $0 | $10.74B |
| Q2 2026 | 90.63% | 79.55% | $0 | $10.49B |
| Q3 2026 | 91.58% | 84.76% | $0 | $10.49B |
Flagstar Bank, N.A. liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)