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
Unfavorable gap of $1.6B · efficiency ratio beats 1% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.13% | 1.00% | 1.26% | 1.54% | Beats 1% | 142 / 144 | |
| Return on Equity | 1.36% | 8.98% | 11.34% | 14.40% | Beats 2% | 141 / 144 | |
| Net Interest Margin | 2.02% | 2.82% | 3.31% | 3.68% | Beats 7% | 134 / 144 | |
| Efficiency Ratio | 89.89% | 49.42% | 56.02% | 62.41% | Beats 1% | 143 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.97% | 0.48% | 0.73% | 1.07% | Beats 1% | 141 / 142 | |
| Net Charge-Offs / Loans | 0.38% | 0.05% | 0.11% | 0.22% | Beats 15% | 121 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 13.99% | 12.07% | 12.98% | 14.92% | Beats 65% | 51 / 144 | |
| Total Risk-Based Capital Ratio | 16.58% | 13.39% | 14.14% | 16.25% | Beats 79% | 30 / 144 | |
| Equity / Assets | 9.28% | 9.69% | 11.39% | 12.96% | Beats 22% | 112 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 90.63% | 75.72% | 84.92% | 91.56% | 71st pctl | 41 / 143 | |
| Loans / Assets | 69.77% | 59.83% | 69.07% | 74.80% | 52nd pctl | 69 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |