Flagstar Bank, National Association
Total assets
$87.71B
▼ -4.8% YoY
Deposits
$67.52B
▼ -3.9% YoY
Loans
$60.33B
▼ -4.7% YoY
Offices
345
ROA (annualized)
0.13%
peers 1.23%
ROE (annualized)
1.36%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +5.9% | -10.7 pts |
| Deposit growth (YoY) | -3.9% | +5.7% | -9.6 pts |
| Loan growth (YoY) | -4.8% | +6.9% | -11.7 pts |
| ROA | 0.13% | 1.23% | -1.1 pts |
| ROE | 1.4% | 11.2% | -9.9 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
Profile
- Established
- 1987
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Commercial Lending Specialization
- Address
- 102 Duffy Ave, Hicksville, NY, 11801
- County
- Nassau
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 345
- FDIC cert #
- 32541
- RSSD ID
- 694904
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.71B | $67.52B | $60.33B | $8.14B | $55.3M | 0.13% | 2.18% | 3.47% |
| Q1 2026 | $87.13B | $66.83B | $59.70B | $8.12B | $20.9M | 0.10% | 2.19% | 3.33% |
| Q4 2025 | $87.51B | $66.00B | $59.97B | $8.14B | $-129.4M | -0.14% | 2.04% | 3.68% |
| Q3 2025 | $91.59B | $69.63B | $62.12B | $8.61B | $-159.0M | -0.22% | 1.97% | 3.80% |
| Q2 2025 | $92.18B | $70.25B | $63.33B | $8.58B | $-127.9M | -0.26% | 1.93% | 3.69% |
| Q1 2025 | $97.57B | $74.44B | $65.96B | $8.60B | $-76.2M | -0.31% | 1.87% | 3.60% |
| Q4 2024 | $100.10B | $76.45B | $67.97B | $8.58B | $-1.02B | -0.91% | 2.17% | 3.14% |
| Q3 2024 | $114.31B | $83.63B | $72.17B | $8.95B | $-857.9M | -0.99% | 2.21% | 2.88% |
Loan mix (Q2 2026): real estate $42.48B · commercial $12.07B · consumer $106.4M · securities $16.57B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 1.23% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 11.3% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.18% | 3.55% | 12th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 54.9% | 100th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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