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Letter portraitLegal landscapeQuarterYTD

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 $0.1BQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $55.8B17%Noninterest $11.7BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.99%-0.91%-0.31%-0.26%-0.22%-0.14%0.10%0.13%+39 bps
Return on Equity-12.58%-11.34%-3.55%-2.98%-2.47%-1.52%1.03%1.36%+434 bps
Net Interest Margin1.97%2.02%1.72%1.78%1.89%1.95%2.02%2.02%+24 bps
Efficiency Ratio99.69%100.97%97.36%95.36%94.94%93.16%87.17%85.21%-1,015 bps
Non-Interest Burden2.08%2.16%1.78%1.79%1.89%1.91%1.84%1.78%-1 bps
Growth
Asset Growth (YoY)2.82%-12.19%-13.53%-22.54%-19.87%-12.58%-10.70%-4.84%+1,770 bps
Loan Growth (YoY)-14.54%-19.38%-19.43%-21.79%-13.94%-11.82%-9.63%-5.04%+1,676 bps
Deposit Growth (YoY)0.95%-6.41%-1.44%-11.84%-16.74%-13.67%-10.22%-3.88%+796 bps
Asset Quality
Nonperforming Loans / Loans4.48%4.54%5.23%5.27%5.49%5.27%4.78%4.97%-30 bps
Net Charge-Offs / Loans1.22%1.29%0.68%0.72%0.64%0.58%0.51%0.58%-14 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.64%8.05%8.91%9.11%9.58%9.22%9.61%9.70%+59 bps
Total Risk-Based Capital13.19%14.47%14.62%15.15%15.31%16.23%16.68%16.58%+144 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits87.81%90.48%90.17%91.73%90.76%92.42%90.76%90.63%-110 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a