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Flagstar Bank, National Association
Hicksville, NY·FDIC Cert #32541·Charter: OCC·Est. 19870520.0
Total Assets
$87.5B
Q4 2025
Return on Assets
-0.14%
+0.08%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
93.16%
Peer avg: 51.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
35
Marginal
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-0.14%+0.08
ROE
-1.52%+0.95
Efficiency
93.16%-1.77
Equity/Assets
0.00%+0.00
NPL Ratio
5.36%-0.22
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.86%+1.64
Charge-offs
0.54%-0.08
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -1.1 | -1.1 | -1.0 | -0.9 | -0.3 | -0.3 | -0.2 | -0.1 |
| ROE | -13.3 | -13.3 | -12.6 | -11.3 | -3.5 | -3.0 | -2.5 | -1.5 |
| Efficiency | 100.5 | 98.2 | 99.7 | 101.0 | 97.4 | 95.4 | 94.9 | 93.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.7 | 3.1 | 4.6 | 4.6 | 5.3 | 5.4 | 5.6 | 5.4 |
| Charge-offs | 0.4 | 1.0 | 1.1 | 1.1 | 0.7 | 0.7 | 0.6 | 0.5 |
| Loan/Deposit | 108.7 | 101.8 | 86.3 | 88.9 | 88.6 | 90.2 | 89.2 | 90.9 |
Balance Sheet
Total Assets$87.5B
Total Deposits$66.0B
Total Loans$60.0B
Total Equity$8.1B
Profitability
ROA-0.14%
ROE-1.52%
Efficiency Ratio93.16%
Net Income$-129.4M
Risk & Asset Quality
NPL Ratio5.36%
Charge-off Rate0.54%
Loan/Deposit90.86%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans