Flagstar Bank, N.A.: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Flagstar Bank, N.A. reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $62.11B in Q3 2026, down 1.7% from $63.20B in Q3 2025. That is 71.1% of its total assets. Across the 12 quarters shown it ranged from $60.66B (Q1 2026) to $85.80B (Q4 2023).
What the loan portfolio page covers and where each line comes from.
The standout move of Q3 2026 was in Multifamily (5+ residential): 2.19 percentage points lower than in Q2 2026, at 41.80%. 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.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $62.11B |
| Net loans and leases | $61.24B |
| Loans held for sale | $165.8M |
| Loans to total assets | 71.05% |
| Loan-to-deposit ratio | 91.58% |
| Net loans to equity capital | 8.01× |
Source: Call Report Schedule RC-C; Total loans and leases: Call Report Schedule RC-C, Part I, item 12 (RCFD2122). Open the filed call report for Q3 2026 on the FFIEC CDR.
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.12% |
| Multifamily (5+ residential) | 41.80% |
| Commercial and industrial | 20.59% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.18% |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 355.05% |
| Construction concentration (Tier 1 capital + allowance) | 14.10% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.09% |
| Interest income on loans | $757.9M |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $85.80B | $81.68B | 12.26% | 14.15% | 1.42% |
| Q1 2024 | $83.31B | $75.53B | 12.19% | 13.75% | 0.32% |
| Q2 2024 | $82.40B | $79.68B | 11.91% | 12.78% | 0.31% |
| Q3 2024 | $73.43B | $83.63B | 12.68% | 13.25% | 0.31% |
| Q4 2024 | $69.17B | $76.45B | 12.83% | 13.54% | 0.30% |
| Q1 2025 | $67.12B | $74.44B | 12.89% | 13.70% | 0.27% |
| Q2 2025 | $64.44B | $70.25B | 12.62% | 14.59% | 0.26% |
| Q3 2025 | $63.20B | $69.63B | 12.49% | 15.36% | 0.26% |
| Q4 2025 | $61.00B | $66.00B | 11.99% | 16.51% | 0.22% |
| Q1 2026 | $60.66B | $66.83B | 11.83% | 17.85% | 0.19% |
| Q2 2026 | $61.19B | $67.52B | 11.41% | 19.73% | 0.17% |
| Q3 2026 | $62.11B | $67.82B | 11.12% | 20.59% | 0.16% |
Flagstar Bank, N.A. loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)