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Flagstar Bank, National Association

Hicksville, NY · Cert 32541

National charter · OCC · 345 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

1

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Flagstar Bank, National Association

Hicksville, NY · Cert 32541

National charter · OCC · 345 branches

Q2 2026

$87.7BAssets
$61.2BLoans
$67.5BDeposits
$8.1BEquity
Loan mix
80%RE $43.9B20%C&I $10.8B0%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $55.8B17%Noninterest $11.7BQ2 2025Q2 2026

NIM

5.13%Q2 ’244.73%Q2 ’254.48%Q2 ’26-13%+13%

Non-interest income vs. expense

2.49%Q2 ’242.14%Q2 ’252.10%Q2 ’26-16%0%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 1.3% share · #11 of 151 inst. · $39.1B of $2921.1B

14.8% Oakland
0.6% New York
6.7% Nassau
6.2% Queens

Executive Summary

  • Earnings: ROA of 0.13%, up 39 bps year over year; NIM at 2.02%.
  • Asset quality: problem loans at 4.97% of loans (-30 bps YoY), with net charge-offs at 0.58%.
  • Capital: tier 1 leverage ratio of 9.70%, up 59 bps from a year ago.
  • Funding: loans stand at 90.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.13%+39 bps YoY

Net Interest Margin (YTD, annualized)

2.02%+24 bps YoY

Efficiency Ratio (YTD, annualized)

85.21%-1,015 bps YoY

Tier 1 Leverage Ratio

9.70%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.26%-0.22%-0.14%0.10%0.13%+39 bps
Return on Equity-2.98%-2.47%-1.52%1.03%1.36%+434 bps
Net Interest Margin1.78%1.89%1.95%2.02%2.02%+24 bps
Efficiency Ratio95.36%94.94%93.16%87.17%85.21%-1,015 bps
Non-Interest Burden1.79%1.89%1.91%1.84%1.78%-1 bps
Growth
Asset Growth (YoY)-22.54%-19.87%-12.58%-10.70%-4.84%+1,770 bps
Loan Growth (YoY)-21.79%-13.94%-11.82%-9.63%-5.04%+1,676 bps
Deposit Growth (YoY)-11.84%-16.74%-13.67%-10.22%-3.88%+796 bps
Asset Quality
Nonperforming Loans / Loans5.27%5.49%5.27%4.78%4.97%-30 bps
Net Charge-Offs / Loans0.72%0.64%0.58%0.51%0.58%-14 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.11%9.58%9.22%9.61%9.70%+59 bps
Total Risk-Based Capital15.15%15.31%16.23%16.68%16.58%+144 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits91.73%90.76%92.42%90.76%90.63%-110 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Flagstar Bank, National Association

Hicksville, NY · Cert 32541 · Peer group: banks over $10B in assets (n=142-144)

National charter · OCC · 345 branches

Q2 2026

$87.7BAssets
$61.2BLoans
$67.5BDeposits
$8.1BEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 79% of banks over $10B in assets (rank 30 of 144).
  • Widest gap: nonperforming loans / loans trails 99% of banks over $10B in assets (rank 141 of 142).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.13%

Rank 142 of 144

Net Interest Margin

2.02%

Rank 134 of 144

Efficiency Ratio

89.89%

Rank 143 of 144

Equity / Assets

9.28%

Rank 112 of 144

Non-interest income vs. expense

$0.3B$1.8BINCOMEEXPENSE
Unfavorable gap of $1.6B · efficiency ratio beats 1% of banks over $10B in assets
Bank 89.89%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.13%1.00%1.26%1.54%Beats 1%142 / 144
Return on Equity1.36%8.98%11.34%14.40%Beats 2%141 / 144
Net Interest Margin2.02%2.82%3.31%3.68%Beats 7%134 / 144
Efficiency Ratio89.89%49.42%56.02%62.41%Beats 1%143 / 144
Asset Quality
Nonperforming Loans / Loans4.97%0.48%0.73%1.07%Beats 1%141 / 142
Net Charge-Offs / Loans0.38%0.05%0.11%0.22%Beats 15%121 / 142
Capital
Tier 1 Capital Ratio13.99%12.07%12.98%14.92%Beats 65%51 / 144
Total Risk-Based Capital Ratio16.58%13.39%14.14%16.25%Beats 79%30 / 144
Equity / Assets9.28%9.69%11.39%12.96%Beats 22%112 / 144
Liquidity & Funding
Loans / Deposits90.63%75.72%84.92%91.56%71st pctl41 / 143
Loans / Assets69.77%59.83%69.07%74.80%52nd pctl69 / 144
Brokered Deposits / Depositsn/aNot reported for this institution