Flagstar Bank, N.A.: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Flagstar Bank, N.A. reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 4.82% in Q3 2026, down 0.17 percentage points from 4.99% in Q3 2025. Across the 12 quarters shown it ranged from 4.71% (Q2 2026) to 5.51% (Q4 2023).
What the yields and funding costs page covers and where each line comes from.
Open the full net interest margin analysis: the yield and margin contribution of each earning asset, the cost of each kind of funding, what moved the margin, and peers measured the same way.
Total interest expense rose 3.1% from Q2 2026 to Q3 2026, ending at $552.1M against $535.4M. It was the largest change among the key lines on this page. On net interest margin, Flagstar Bank, N.A. is 11th from the bottom among 105 New York banks, 2.20% (Q3 2026). The median for banks in the $10B-100B asset tier is 3.65% on net interest margin. Flagstar Bank, N.A. sits 1.45 points lower, at 2.20% (Q3 2026).
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.82% |
| Yield on loans | 5.09% |
| Yield on securities | 4.12% |
Source: Call Report Schedules RI and RC-K. Open the filed call report for Q3 2026 on the FFIEC CDR.
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.80% |
| Cost of interest-bearing deposits | 3.13% |
| Cost of interest-bearing liabilities | 3.32% |
| Cost of borrowings | 4.44% |
Source: Call Report Schedules RI and RC-K. Open the filed call report for Q3 2026 on the FFIEC CDR.
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 2.20% |
| Yield to cost spread | 1.50% |
Source: Call Report Schedules RI and RC-K. Open the filed call report for Q3 2026 on the FFIEC CDR.
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $757.9M |
| Total interest expense | $552.1M |
| Interest expense on deposits | $435.7M |
Source: Call Report Schedules RI and RC-K. Open the filed call report for Q3 2026 on the FFIEC CDR.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.51% | 2.79% | 2.87% | 5.68% | 4.09% |
| Q1 2024 | 5.50% | 3.31% | 2.35% | 5.67% | 4.03% |
| Q2 2024 | 5.47% | 3.63% | 2.05% | 5.61% | 4.13% |
| Q3 2024 | 5.43% | 3.75% | 1.88% | 5.54% | 4.30% |
| Q4 2024 | 5.12% | 3.51% | 1.82% | 5.29% | 4.17% |
| Q1 2025 | 4.87% | 3.32% | 1.80% | 5.04% | 4.15% |
| Q2 2025 | 4.91% | 3.25% | 1.88% | 5.11% | 4.24% |
| Q3 2025 | 4.99% | 3.18% | 2.02% | 5.16% | 4.49% |
| Q4 2025 | 4.89% | 2.93% | 2.16% | 5.12% | 4.32% |
| Q1 2026 | 4.74% | 2.78% | 2.14% | 4.98% | 4.11% |
| Q2 2026 | 4.71% | 2.76% | 2.13% | 4.94% | 4.08% |
| Q3 2026 | 4.82% | 2.80% | 2.20% | 5.09% | 4.12% |
Flagstar Bank, N.A. yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)