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Flagstar Bank, National Association
Hicksville, NY · FDIC Certificate #32541 · Chartered 05/2
Total assets
$87.71B
Total deposits
$67.52B
Total equity
$8.14B
Net loans
$60.33B
Branches (offices)
345
Net income (YTD)
$55.33M
Rank: #36 of 4,213 U.S. banks by assets · #5 of 115 in New York. Assets changed -4.8% and deposits -3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.13% |
| Return on equity | 1.36% |
| Net interest margin (YTD) | 2.18% |
| Equity to assets | 9.28% |
| Tier 1 leverage ratio | 9.70% |
| Uninsured deposits (share of deposits) | 28.9% |
| Noncurrent loans (share of loans) | 4.97% |
| Net charge-offs (share of loans) | 0.58% |
| Loans to deposits | 89.3% |
| Real estate loans (share of loans) | 70.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $42.48B | 70.4% | |
| Commercial & industrial | $12.07B | 20.0% | |
| Consumer / individual | $106.39M | 0.2% | |
| Construction & development | $1.37B | 2.3% | |
| Agricultural | $30.44M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $24.85B | $17.33B | $122.41M | $2.85B |
| Jun 2023 | $118.72B | $88.63B | $2.45B | $11.87B |
| Jun 2024 | $118.99B | $79.68B | -$606.48M | $8.99B |
| Jun 2025 | $92.18B | $70.25B | -$127.93M | $8.58B |
| Jun 2026 | $87.71B | $67.52B | $55.33M | $8.14B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $33.31B | 108 |
| Michigan | $17.08B | 101 |
| New Jersey | $5.81B | 31 |
| Florida | $3.48B | 27 |
| Ohio | $2.76B | 26 |
| California | $1.92B | - |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $67.52B.
Similar-sized banks
Zions Bancorporation, N.A. ($89.04B) · East West Bank ($84.32B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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