Total Assets
$87.5B
Total balance-sheet footings
FDIC Cert #32541 · Hicksville, New York · Est. 1987
Flagstar Bank, National Association - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $87.5B
- Total assets
- D
- Health grade · Weak
- -0.14%
- Return on assets
- 12.8%
- Tier 1 capital
Data updated July 2026
The verdict
Flagstar Bank, National Association earns a PlainBankData health grade of D (39/100), with well-capitalized at 12.83% Tier 1, -0.14% ROA, 93% efficiency ratio.
- #35
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 12.83%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Flagstar Bank, National Association's 39/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Flagstar Bank, National Association's composite health score
Tier 1 Capital Ratio (12.83%) 35/40
Return on Assets (ROA) (-0.14%) 0/25
Texas Ratio (35.04%) 4/20
Efficiency Ratio (93.16%) 0/15
39 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$66.0B
Customer-funded liabilities
Net Loans
$60.0B
Outstanding loan book
Net Income
$-129,429K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Flagstar Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Flagstar Bank, National Association's score of 39/100 falls in the highlighted band.
Flagstar Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Flagstar Bank, National Association's $87.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.83%
Texas Ratio
35.04%
Equity Capital
$8.1B
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.14%
Return on Equity (ROE)
-1.52%
Efficiency Ratio
93.16%
What the numbers say about Flagstar Bank, National Association
Flagstar Bank, National Association is an FDIC-insured institution (Certificate #32541) headquartered in Hicksville, New York, established in 1987. It holds $87.5B in total assets - 35th of 4,313 FDIC-insured banks, $66.0B in customer deposits, and $60.0B in net loans. On safety, its Tier 1 capital ratio of 12.83% is above the 10% well-capitalized threshold, and its Texas Ratio of 35.04% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (39/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Flagstar Bank, National Association's asset base places it among the largest FDIC-insured institutions in the country, 35th of 4,313 nationally, and 5th of 120 banks headquartered in New York. Only Manufacturers and Traders Trust Compa… ($212.9B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$4.5B
Interest Income
$311M
Non-Interest Income
$2.1B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Flagstar Bank, National Association reports a Texas Ratio of 35.04% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
35.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Flagstar Bank, National Association
Flagstar Bank, National Association's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-129,429K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Flagstar Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New York by total assets
National size peers: banks closest to Flagstar Bank, National Association by assets
Flagstar Bank, National Association is closely matched in total assets by Zions Bancorporation, Webster Bank, First Horizon Bank, Western Alliance Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.23%, versus Flagstar Bank, National Association's own -0.14%; the average efficiency ratio is 54.41%, versus 93.16% here; and average Tier 1 capital sits at 12.74%, versus 12.83% at Flagstar Bank, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $87.5B in assets, Flagstar Bank, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Flagstar Bank, National Association (this bank) | NY | $87.5B | -0.14% | 93.16% | 12.83% |
| Zions Bancorporation, N.A. | UT | $89.0B | 1.01% | 62.94% | 11.48% |
| Webster Bank, National Association | CT | $84.0B | 1.26% | 46.99% | 12.19% |
| First Horizon Bank | TN | $83.6B | 1.35% | 56.18% | 10.98% |
| Western Alliance Bank | AZ | $92.7B | 1.10% | 60.19% | 11.76% |
| East West Bank | CA | $79.7B | 1.72% | 35.05% | 13.85% |
| City National Bank | CA | $98.4B | 0.95% | 65.09% | 16.18% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Flagstar Bank, National Association (FDIC Cert #32541) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
| Apple BankNew York | $19.2B | C | 0.34% |
Frequently asked questions
What is Flagstar Bank, National Association's health grade?▼
Flagstar Bank, National Association receives a health grade of D (39/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Flagstar Bank, National Association?▼
Flagstar Bank, National Association holds $87.5B in total assets and $66.0B in deposits, ranking 35th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hicksville, New York.
Is my money safe at Flagstar Bank, National Association?▼
Yes, deposits at Flagstar Bank, National Association (Certificate #32541) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Flagstar Bank, National Association's Tier 1 Capital Ratio?▼
Flagstar Bank, National Association has a Tier 1 Capital Ratio of 12.83%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Flagstar Bank, National Association?▼
Flagstar Bank, National Association has a Texas Ratio of 35.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Flagstar Bank, National Association?▼
Flagstar Bank, National Association has an Efficiency Ratio of 93.16%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Flagstar Bank, National Association's profile as a depositor or analyst.
- Flagstar Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Flagstar Bank, National Association against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.