Bank Safety Analysis
Is Flagstar Bank, N.A. Safe? Hicksville, New York
Based on its Q3 2026 call report, Flagstar Bank, N.A. meets every capital ratio test for well capitalized, its Texas ratio is 35.73%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Flagstar Bank, N.A. safe?
On its Q3 2026 call report, Flagstar Bank, N.A.'s CET1 ratio is 12.38%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 12.38%
- Tier 1 leverage ratio (Q3 2026): 9.33%
- Texas ratio (Q3 2026): 35.73%
- Noncurrent loans ratio (Q3 2026): 4.98%
Flagstar Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #32541). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Flagstar Bank, N.A. (FDIC Certificate #32541) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Flagstar Bank, N.A. is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 2 risk screens are flagged: nonperforming loan ratio and commercial real estate to capital.
CET1 ratio fell 0.78 percentage points from Q2 2026 to Q3 2026, ending at 12.38% against 13.16%. It was the largest change among the key lines on this page. Within New York, Flagstar Bank, N.A. is 68th of 81 on CET1 ratio, 12.38% as of Q3 2026. The median for banks in the $10B-100B asset tier is 12.88% on CET1 ratio. Flagstar Bank, N.A. sits 0.50 points lower, at 12.38% (Q3 2026). From Q4 2023 to Q3 2026, Flagstar Bank, N.A.'s CET1 ratio ranged between 10.52% (Q4 2023) and 14.05% (Q3 2025) and its Texas ratio ranged between 6.24% (Q4 2023) and 35.73% (Q3 2026). Between Q3 2025 and Q3 2026, Flagstar Bank, N.A.'s CET1 ratio fell from 14.05% to 12.38%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 5.49% to 4.98%, Texas ratio rose from 35.39% to 35.73% and return on assets rose from -0.13% to 0.05%.
By total assets at Q3 2026, Flagstar Bank, N.A. is the 5th largest of the 105 banks headquartered in New York. Multifamily loans are its largest loan category, $25.96B of $62.11B in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, Flagstar Bank, N.A.'s CET1 ratio of 12.38% is below the 12.88% median, Tier 1 leverage ratio of 9.33% is below the 10.21% median, nonperforming loans ratio of 4.98% is above the 0.67% median, Texas ratio of 35.73% is above the 4.26% median, and efficiency ratio of 82.63% is above the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Flagstar Bank, N.A. score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does Flagstar Bank, N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 12.38% | Within range |
| Texas ratio BankRegReports band | 35.73% | Within range |
| Nonperforming loan ratio BankRegReports band | 4.98% | Flagged |
| Uninsured deposit share BankRegReports band | 29.07% | Within range |
| Loan-to-deposit ratio BankRegReports band | 91.58% | Within range |
| Commercial real estate to capital supervisory threshold | 355.05% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 12.38% |
| Q2 2026 | 13.16% |
| Q1 2026 | 13.23% |
| Q4 2025 | 12.83% |
| Q3 2025 | 14.05% |
| Q2 2025 | 13.89% |
| Q1 2025 | 13.36% |
| Q4 2024 | 13.21% |
| Q3 2024 | 11.94% |
| Q2 2024 | 10.84% |
| Q1 2024 | 11.08% |
| Q4 2023 | 10.52% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 35.73% |
| Q2 2026 | 32.95% |
| Q1 2026 | 31.16% |
| Q4 2025 | 34.19% |
| Q3 2025 | 35.39% |
| Q2 2025 | 34.41% |
| Q1 2025 | 35.45% |
| Q4 2024 | 31.01% |
| Q3 2024 | 27.93% |
| Q2 2024 | 20.19% |
| Q1 2024 | 8.23% |
| Q4 2023 | 6.24% |
Loans by type, Q3 2026
- Multifamily loans: $25.96B
- Commercial and industrial loans: $12.79B
- 1-4 family residential loans: $7.22B
- Loans to nondepository financial institutions: $4.51B
- Non-owner-occupied commercial real estate loans: $4.34B
- Owner-occupied commercial real estate loans: $2.57B
- Leases: $1.91B
- Loans to states and political subdivisions: $1.36B
How have Flagstar Bank, N.A.'s safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $87.41B | 12.38% | 9.33% | 4.98% | 35.73% | 82.63% |
| Jun 30, 2026 | $87.71B | 13.16% | 9.70% | 4.97% | 32.95% | 82.77% |
| Mar 31, 2026 | $87.13B | 13.23% | 9.61% | 4.78% | 31.16% | 86.67% |
| Dec 31, 2025 | $87.51B | 12.83% | 9.22% | 5.27% | 34.19% | 88.15% |
| Sep 30, 2025 | $91.59B | 14.05% | 9.58% | 5.49% | 35.39% | 94.03% |
| Jun 30, 2025 | $92.18B | 13.89% | 9.11% | 5.27% | 34.41% | 93.33% |
| Mar 31, 2025 | $97.57B | 13.36% | 8.91% | 5.23% | 35.45% | 97.33% |
| Dec 31, 2024 | $100.10B | 13.21% | 8.05% | 4.54% | 31.01% | 105.15% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Flagstar Bank, N.A. FDIC insured?
Yes. Flagstar Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #32541). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Flagstar Bank, N.A. well capitalized?
On its Q3 2026 call report, Flagstar Bank, N.A.'s CET1 ratio is 12.38%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Flagstar Bank, N.A.'s key safety ratios?
For Q3 2026, Flagstar Bank, N.A. reports CET1 12.38%, leverage 9.33%, Texas ratio 35.73%, noncurrent loans 4.98%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if Flagstar Bank, N.A. fails?
For Q3 2026, Flagstar Bank, N.A. reported $67.82B in total deposits, 29.07% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Flagstar Bank, N.A. profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 32541) · FFIEC NIC profile (RSSD 694904)
Explore: Full Flagstar Bank, N.A. profile · Other banks in NY · Metric glossary · How the call report works