Flagstar Bank, N.A.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Flagstar Bank, N.A. of Hicksville, NY against its peer group of 124 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.05% | 1.31% | -1.26% | 4th worst quarter |
| ROAE | 0.61% | 11.12% | -10.51% | 4th worst quarter |
| Net Interest Margin | 2.20% | 3.67% | -1.47% | 5th worst quarter |
| Efficiency Ratio | 82.63% | 53.24% | +29.39% | 98th worst quarter |
| PPNR / Avg Assets | 0.30% | 1.88% | -1.58% | 2nd worst quarter |
| Yield on Earning Assets | 4.82% | 5.46% | -0.64% | 13th |
| Cost of Funds | 2.80% | 1.98% | +0.82% | 85th worst quarter |
| Net Interest Spread | 1.50% | 2.98% | -1.48% | 3rd worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 4.98% | 0.67% | +4.31% | 99th worst quarter |
| NPA / Total Assets | 3.55% | 0.49% | +3.06% | 99th worst quarter |
| NCO / Avg Loans | 0.50% | 0.14% | +0.36% | 85th worst quarter |
| ACL / Total Loans | 1.40% | 1.12% | +0.28% | 84th |
| ACL / NPLs (Coverage) | 28.07% | 181.80% | -153.73% | 3rd worst quarter |
| Texas Ratio | 35.73% | 4.26% | +31.47% | 100th worst quarter |
| Provision / NCO | 102.70% | 113.11% | -10.41% | 42nd |
| CRE / Total Capital | 355.05% | 217.03% | +138.02% | 97th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 12.38% | 12.93% | -0.55% | 34th worse half |
| Tier 1 Ratio | 13.19% | 13.04% | +0.15% | 53rd better half |
| Total Capital Ratio | 15.74% | 14.24% | +1.50% | 75th better half |
| Leverage Ratio | 9.33% | 10.21% | -0.88% | 24th worst quarter |
| Equity / Assets | 8.75% | 11.26% | -2.51% | 15th worst quarter |
| TCE / Tangible Assets | 7.84% | 9.38% | -1.54% | 20th worst quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 91.58% | 86.53% | +5.05% | 70th |
| Core Deposit Ratio | 84.76% | 91.81% | -7.05% | 22nd worst quarter |
| Uninsured Deposit Ratio | 29.07% | 39.38% | -10.31% | 26th better half |
| Borrowings / Total Assets | 12.51% | 3.64% | +8.87% | 93rd worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.56% | 5.37% | -9.93% | 6th |
| Loan Growth (Y/Y) | -1.72% | 6.53% | -8.25% | 11th |
| Deposit Growth (Y/Y) | -2.60% | 4.86% | -7.46% | 10th |
See Flagstar Bank, N.A.'s peers by name
The 124 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Flagstar Bank, N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Flagstar Bank, N.A. peer analysis.