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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 32541 · NY D · 39/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-LARGE · BOOK-FULL

  • GRADE-D D (39/100)
  • BOTTOM-DECILE #4237/4307
  • PHOTO-FINISH Citizens First Bank · IA
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-HEALTHY 35.0% Texas
  • ROA-LOSS -0.14% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Citizens First Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Flagstar Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Frankewing · TN · ne…39/100Citizens First Bank · IA · n…39/100Flagstar Bank, Natio… · NY ·…39/100Outdoor Bank · KS · near39/100Sterling Federal Ban… · IL ·…39/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Flagstar Bank · July 2026

What Flagstar Bank's Call Report plate shows

Flagstar Bank, National Association (FDIC Cert #32541) carries a PlainBankData health grade of D at 39/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,237 of 4,307. Tier 1 capital prints at 12.83%, clearing the 10% well-capitalized line. The Texas Ratio is 35.04%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.14%. Balance-sheet scale is $87.5B, 35th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens First Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Flagstar Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Flagstar Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Flagstar Bank, National Association remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

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.

0/100100/100National avg77/10039/100
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 Assets

$87.5B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.43% 12.83% 14.23%
Basel III capital ratios - Flagstar Bank, National Association

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

39 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Flagstar Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Flagstar Bank

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

What these ratios mean →

Profitability metrics: Flagstar Bank

Return on Assets (ROA)
4th percentile nationally
-0.14%
Return on Equity (ROE)
-1.52%
Efficiency Ratio
93.16%

What these mean →

Income & expense: loss period at Flagstar Bank

$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.

FDIC Failed Bank List → View Flagstar Bank, National Association on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Flagstar Bank, National Association nationally by total assets
  1. 1
    Zions Bancorporation $89.0B

    Salt Lake City, UT · Grade B

  2. 2
    Webster Bank $84.0B

    Stamford, CT · Grade A

  3. 3
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  4. 4
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  5. 5
    East West Bank $79.7B

    Pasadena, CA · Grade A

  6. 6
    City National Bank $98.4B

    Los Angeles, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($87.5B here), outside New York so the neighborhood is not state containment.

Zions Bancorporation $89.0B · UT Webster Bank $84.0B · CT First Horizon Bank $83.6B · TN Western Alliance Bank $92.7B · AZ

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.

Flagstar Bank, National Association Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
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%