Checked
Flagstar Bank, National Association
Hicksville, NY · National bank
- Total assets
- $87.71B
- Q2 2026
- Deposits
- $67.52B
- Net income
- $55.33M
- first half of 2026
- Return on assets
- 0.13%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 32541
- Main office
- Hicksville, NY
- Charter
- National bank
- Primary federal regulator
- Office of the Comptroller of the Currency (OCC)
- Established
- 05/20/1987
- FDIC insured since
- 08/09/1989
- U.S. offices
- 345
- Employees (full-time equivalent)
- 5,374
- Specialty
- Commercial Lending Specialization
- Website
- www.flagstar.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $87.71B | $87.13B | $87.51B | $91.59B | $92.18B | $97.57B | $100.1B | $114.3B |
| Deposits | $67.52B | $66.83B | $66B | $69.63B | $70.25B | $74.44B | $76.45B | $83.63B |
| Net loans and leases | $60.33B | $59.7B | $59.97B | $62.12B | $63.33B | $65.96B | $67.97B | $72.17B |
| Securities | $16.57B | $14.57B | $15.77B | $15.07B | $14.84B | $12.84B | $10.42B | $10.53B |
| Equity capital | $8.14B | $8.12B | $8.14B | $8.61B | $8.58B | $8.6B | $8.58B | $8.95B |
| Net income (year to date) | $55.33M | $20.86M | -$129.4M | -$159M | -$127.9M | -$76.2M | -$1.02B | -$857.9M |
| Return on assets | 0.13% | 0.10% | -0.14% | -0.22% | -0.26% | -0.31% | -0.91% | -0.99% |
| Return on equity | 1.36% | 1.03% | -1.52% | -2.47% | -2.98% | -3.55% | -11.34% | -12.58% |
| Net interest margin | 2.18% | 2.19% | 2.04% | 1.97% | 1.93% | 1.87% | 2.17% | 2.21% |
| Efficiency ratio | 85.2% | 87.2% | 93.2% | 94.9% | 95.4% | 97.4% | 101.0% | 99.7% |
| Noncurrent loans | 5.04% | 4.86% | 5.36% | 5.59% | 5.36% | 5.32% | 4.62% | 4.55% |
| Net charge-off rate | 0.58% | 0.51% | 0.54% | 0.62% | 0.69% | 0.67% | 1.13% | 1.10% |
| Leverage (core capital) ratio | 9.70% | 9.61% | 9.22% | 9.58% | 9.11% | 8.91% | 8.05% | 7.64% |
| Total risk-based capital ratio | 16.58% | 16.68% | 16.23% | 15.31% | 15.15% | 14.62% | 14.47% | 13.19% |
Assets fell 4.8% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$42.48B70.4%
- Commercial and industrial loans$12.07B20.0%
- Consumer loans$106.4M0.2%
Find bank branches in New York · Employees: 5,374
Frequently asked questions
- What is Flagstar Bank, National Association's FDIC certificate number?
- Flagstar Bank, National Association's FDIC certificate number is 32541.
- How big is Flagstar Bank, National Association?
- Flagstar Bank, National Association reported total assets of $87.71B and deposits of $67.52B as of Q2 2026.
- Is Flagstar Bank, National Association FDIC insured?
- Yes. Flagstar Bank, National Association has been insured by the FDIC since 08/09/1989. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026