Flagstar Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.99% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Tier 1. The bank clears the requirement. Filed figure: 7.99% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.16% +6.66 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $7.94B | 7,937,040 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $60.32B | 60,323,335 | RCFAA223 |
| Recomputed ratio | 13.16% | numerator / denominator | |
| Filed ratio | 13.16% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.66 pp | $4.02B | capital that could be lost first |
Tier 1 risk-based capital ratio 13.99% +5.99 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $8.44B | 8,440,929 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $60.32B | 60,323,335 | RCFAA223 |
| Recomputed ratio | 13.99% | numerator / denominator | |
| Filed ratio | 13.99% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.99 pp | $3.62B | capital that could be lost first |
Total risk-based capital ratio 16.58% +6.58 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $10.00B | 10,003,181 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $60.32B | 60,323,335 | RCFAA223 |
| Recomputed ratio | 16.58% | numerator / denominator | |
| Filed ratio | 16.58% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.58 pp | $3.97B | capital that could be lost first |
Tier 1 leverage ratio 9.70% +4.70 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $8.44B | 8,440,929 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $86.98B | 86,978,351 | RCFAA224 |
| Recomputed ratio | 9.70% | numerator / denominator | |
| Filed ratio | 9.70% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.70 pp | $4.09B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 9,141,830 | 9,124,594 | 9,118,063 | 7,356,970 | 7,340,416 | 7,324,895 | RCFAP742 |
| Retained earnings | (957,972) | (979,987) | (988,390) | 1,747,955 | 1,779,106 | 1,830,834 | RCFAKW00 |
| Accumulated other comprehensive income | (546,938) | (527,843) | (488,705) | (495,459) | (541,657) | (552,960) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 7,636,920 | 7,616,764 | 7,640,968 | 8,609,466 | 8,577,865 | 8,602,769 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | 300,120 | 264,212 | 203,600 | 222,858 | 257,374 | 254,529 | P859 - P840 |
| Common equity Tier 1 capital | 7,937,040 | 7,880,976 | 7,844,568 | 8,832,324 | 8,835,239 | 8,857,298 | RCFAP859 |
| Additional Tier 1 capital | 503,889 | 503,889 | 503,889 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 8,440,929 | 8,384,865 | 8,348,457 | 8,832,324 | 8,835,239 | 8,857,298 | RCFA8274 |
| Tier 2 capital | 1,562,252 | 1,552,987 | 1,572,385 | 789,747 | 799,736 | 833,602 | RCFA5311 |
| Allowance includable in Tier 2 capital | 756,165 | 747,770 | 768,027 | 789,747 | 799,736 | 833,602 | RCFA5310 |
| Total capital | 10,003,181 | 9,937,852 | 9,920,842 | 9,622,071 | 9,634,975 | 9,690,900 | RCFA3792 |
| Total risk-weighted assets | 60,323,335 | 59,562,366 | 61,125,153 | 62,841,494 | 63,616,649 | 66,306,737 | RCFAA223 |
| Average total assets for the leverage ratio | 86,978,351 | 87,239,363 | 90,582,999 | 92,214,656 | 96,959,628 | 99,414,276 | RCFAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $5.11B | $48.3M | 0.95% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $17.16B | $1.96B | 11.41% | 3.24% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $24.34B | $13.04B | 53.59% | 21.56% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.79B | $4.18B | 149.78% | 6.92% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $34.06B | $32.60B | 95.69% | 53.88% | RC-R Part II, item 4.d, 5.d |
| All other assets | $4.90B | $3.78B | 77.13% | 6.25% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $4.65B | $4.13B | 88.85% | 6.82% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $88.5M | $88.4M | 99.91% | 0.15% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $665.3M | NA | 1.10% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $59.83B | ties to item 31 ($59.83B) |
|---|---|---|
| Risk-weighted assets before deductions | $60.49B | RCFDB704 |
| Less: excess allowance for credit losses | $169.8M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $60.32B | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.16% | 13.99% | 16.58% | 9.70% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.23% | 14.08% | 16.68% | 9.61% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.83% | 13.66% | 16.23% | 9.22% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 14.05% | 14.05% | 15.31% | 9.58% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.89% | 13.89% | 15.15% | 9.11% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 13.36% | 13.36% | 14.62% | 8.91% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.21% | 13.21% | 14.47% | 8.05% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 11.94% | 11.94% | 13.19% | 7.64% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 10.84% | 10.84% | 12.09% | 7.82% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 11.08% | 11.08% | 12.33% | 8.16% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 10.52% | 10.52% | 11.61% | 8.48% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 11.10% | 11.10% | 11.77% | 8.64% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Flagstar Bank, N.A. (this bank) | Risk-based | 13.16% | 13.99% | 16.58% | 9.70% | |
| Zions Bancorporation, N.A. | $89.04B | Risk-based | 11.83% | 11.92% | 14.02% | 9.43% |
| Webster Bank, N.A. | $85.90B | Risk-based | 12.23% | 12.23% | 13.47% | 8.51% |
| East West Bank | $84.32B | Risk-based | 13.90% | 13.90% | 15.15% | 9.89% |
| First Horizon Bank | $84.12B | Risk-based | 11.18% | 11.58% | 13.02% | 10.32% |
| Western Alliance Bank | $98.57B | Risk-based | 11.58% | 12.03% | 13.45% | 8.08% |
| City National Bank | $99.10B | Risk-based | 14.57% | 14.57% | 16.25% | 10.08% |
| Old National Bank | $73.86B | Risk-based | 11.34% | 11.34% | 12.29% | 8.80% |
| UMB Bank, N.A. | $71.90B | Risk-based | 11.75% | 11.75% | 12.62% | 8.89% |
| SouthState Bank, N.A. | $68.79B | Risk-based | 12.17% | 12.17% | 13.27% | 10.28% |
| Peer 25th percentile | 11.58% | 11.75% | 13.02% | 8.80% | ||
| Peer median | 11.83% | 12.03% | 13.45% | 9.43% | ||
| Peer 75th percentile | 12.23% | 12.23% | 14.02% | 10.08% | ||
| This bank's percentile | 78 | 89 | 100 | 56 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/694904/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.