Flagstar Bank, N.A.: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Flagstar Bank, N.A. reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 12.38% in Q3 2026, down 1.67 percentage points from 14.05% in Q3 2025. Across the 12 quarters shown it ranged from 10.52% (Q4 2023) to 14.05% (Q3 2025).
What the vital signs page covers and where each line comes from.
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%. Within New York, Flagstar Bank, N.A. is 94th of 105 on return on assets, 0.05% as of Q3 2026. Against a median of 1.25% for banks in the $10B-100B asset tier, Flagstar Bank, N.A. reported 0.05% on return on assets in Q3 2026, 1.20 points lower.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.38% |
| Tier 1 risk-based capital ratio | 13.19% |
| Total risk-based capital ratio | 15.74% |
| Tier 1 leverage ratio | 9.33% |
| Equity capital to assets | 8.75% |
| Tangible equity to tangible assets | 8.42% |
Source: Call Report Schedules RC, RC-N, RC-R and RI; CET1 capital ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 4.98% |
| Nonperforming assets ratio | 3.55% |
| Net charge-off ratio | 0.50% |
| Texas ratio | 35.73% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of nonperforming loans | 28.07% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.05% |
| Return on equity | 0.61% |
| Net interest margin | 2.20% |
| Efficiency ratio | 82.63% |
| Yield on earning assets | 4.82% |
| Cost of funds | 2.80% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 91.58% |
| Core deposits to total deposits | 84.76% |
| Brokered deposits to total deposits | 3.88% |
| Deposits to assets | 77.59% |
| Securities to assets | 18.77% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 10.52% | 10.52% | 11.61% | 8.48% | -9.71% |
| Q1 2024 | 11.08% | 11.08% | 12.33% | 8.16% | -1.05% |
| Q2 2024 | 10.84% | 10.84% | 12.09% | 7.82% | -1.01% |
| Q3 2024 | 11.94% | 11.94% | 13.19% | 7.64% | -0.84% |
| Q4 2024 | 13.21% | 13.21% | 14.47% | 8.05% | -0.58% |
| Q1 2025 | 13.36% | 13.36% | 14.62% | 8.91% | -0.31% |
| Q2 2025 | 13.89% | 13.89% | 15.15% | 9.11% | -0.21% |
| Q3 2025 | 14.05% | 14.05% | 15.31% | 9.58% | -0.13% |
| Q4 2025 | 12.83% | 13.66% | 16.23% | 9.22% | 0.13% |
| Q1 2026 | 13.23% | 14.08% | 16.68% | 9.61% | 0.10% |
| Q2 2026 | 13.16% | 13.99% | 16.58% | 9.70% | 0.16% |
| Q3 2026 | 12.38% | 13.19% | 15.74% | 9.33% | 0.05% |
Flagstar Bank, N.A. vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)