BlastPoint's Banking Scorecard

Flagstar Bank, National Association

$10B-$250B Specialty: Commercial NY FDIC cert 32541

Hicksville, NY

345 branches across NY · MI · NJ · FL · OH · IN · AZ · CA · WI · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in NY.
Deposits -3.9% year over year ($67.5B on the books).
Delinquency rate 5.04%.
Return on assets 0.13%.
Efficiency ratio 85.21% vs a 53.67% peer average.
Loan-to-deposit ratio 89.34% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 10 in NY

View $10B-$250B leaderboard (NY) →

Flagstar Bank, National Association faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 16.7% in tier
- Capital Constraint: Bottom 50.0% in tier
- Efficiency Drag: Bottom 75.0% in tier
- Return on Assets 1.26% below tier average
- Net Interest Margin 1.74% below tier average
- Delinquency Rate 4.02% above tier average
- Nonperforming Asset Ratio 2.74% above tier average

Get updates when Flagstar Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$87.7B -4.8% YoY +0.7% QoQ	+$44.1B	$43.6B -13.8% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	Top 12.2% in tier
Total Loans ?	$60.3B -4.7% YoY +1.0% QoQ	+$32.4B	$28.0B -8.6% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Top 10.1% in tier
Total Deposits ?	$67.5B -3.9% YoY +1.0% QoQ	+$32.1B	$35.4B -14.0% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	Top 14.4% in tier
Return on Assets ?	0.13% +147.8% YoY +32.4% QoQ	-1.26%	1.39% +25.9% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 1.4% in tier
Net Interest Margin ?	2.18% +12.9% YoY -0.5% QoQ	-1.74%	3.92% +8.9% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 7.2% in tier
Efficiency Ratio ?	85.21% -10.6% YoY -2.2% QoQ	+31.54%	53.67% -1.9% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 0.7% in tier
Delinquency Rate ?	5.04% -6.0% YoY +3.7% QoQ	+4.02%	1.01% -2.8% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 1.4% in tier
Loan-to-Deposit Ratio ?	89.34% -0.9% YoY +0.0% QoQ	+6.73%	82.61% +3.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	17.37% -2.6% YoY -1.6% QoQ	-3.21%	20.58% +4.9% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	31%
Nonperforming Asset Ratio ?	3.47% -5.9% YoY +4.0% QoQ	+2.74%	0.73% +5.8% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 1.4% in tier
Tier 1 Capital Ratio ?	13.99% +0.8% YoY -0.6% QoQ	-1.36%	15.35% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.15% -14.8% YoY +112.6% QoQ	-0.34%	0.50% +10.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	17.4% -0.5pp YoY -0.3pp QoQ	-3.7pp	21.0%	22.1%	22.2%	29%
Brokered Deposits	9.7% -5.6pp YoY -0.2pp QoQ	+0.5pp	9.2%	8.0%	8.5%	72%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	20.0% +5.2pp YoY +1.9pp QoQ	+2.8pp	17.2%	11.0%	12.5%	70%
CRE	58.5% -9.1pp YoY -3.2pp QoQ	+16.4pp	42.0%	46.2%	41.4%	82%
1-4 Family	11.9% +0.9pp YoY 0.0pp QoQ	-11.2pp	23.1%	36.6%	31.3%	22%
Consumer	0.2% -0.1pp YoY 0.0pp QoQ	-12.7pp	12.9%	5.1%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	13.2% -0.7pp YoY -0.1pp QoQ	-2.1pp	15.3%	26.1%	19.7%	57%
Leverage Ratio	9.7% +0.6pp YoY +0.1pp QoQ	-0.7pp	10.4%	13.9%	12.6%	35%
Total Capital Ratio	16.6% +1.4pp YoY -0.1pp QoQ	+0.1pp	16.5%	27.2%	20.8%	79%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	5,374 -254 (-4.5%) YoY -68 (-1.2%) QoQ	+2,116	3,258	914	482	86%
Assets per Employee ($)	$16.3M -0.3% YoY +1.9% QoQ	-$10.7M	$27.0M	$14.8M	$8.8M	66%
Branch Count	345 -15 (-4.2%) YoY 0 QoQ	+207	137	27	18	89%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp QoQ	-0.3pp	0.4%	0.1%	0.4%	63%
Nonaccrual	5.0% -0.4pp YoY +0.1pp QoQ	+4.2pp	0.7%	1.3%	1.0%	99%
Allowance Coverage	0.29x -12.2% YoY -13.0% QoQ	-2.52x	2.81x	1.92x	20.23x	4%
Net Charge-off Rate (YTD)	0.6% -0.1pp YoY +0.1pp QoQ	+0.2pp	0.4%	0.1%	0.2%	85%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	1.4% +4.3pp YoY +0.3pp QoQ	-11.3pp	12.6%	7.9%	11.6%	1%
Cost of Funds (YTD)	2.7% -0.5pp YoY 0.0pp QoQ	+0.7pp	2.0%	1.8%	1.7%	86%
Net Income ($, YTD)	$55.3M +143.2% YoY — QoQ	-$241.5M	$296.8M	$111.2M	$40.4M	8%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline

#4 of 18 • Bottom 16.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

18 of 18 Large banks match · 686 nationally

→ Stable +31 banks QoQ

Capital Constraint

risk

#3 of 4 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 89.34%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 13.99%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

4 of 4 Large banks match · 143 nationally

→ Stable -5 banks QoQ

Efficiency Drag

risk

#4 of 4 • Bottom 75.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 85.21%

(Tier: 53.67%, National: 70.05%)

worse than tier avg

4 of 4 Large banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Total Loans

size

Value: $60.33B

Peer Median: $27.97B

#15 of 139 Top 10.1% in $10B-$250B

Total Assets

size

Value: $87.71B

Peer Median: $43.60B

#18 of 139 Top 12.2% in $10B-$250B

Total Deposits

size

Value: $67.52B

Peer Median: $35.42B

#21 of 139 Top 14.4% in $10B-$250B

Top Weaknesses (6 metrics)

139

Efficiency Ratio

profitability

Value: 85.21%

Peer Median: 53.67%

#139 of 139 Bottom 0.7% in $10B-$250B

138

Nonperforming Asset Ratio

credit_quality

Value: 3.47%

Peer Median: 0.73%

#138 of 139 Bottom 1.4% in $10B-$250B

138

Return on Assets

profitability

Value: 0.13%

Peer Median: 1.39%

#138 of 139 Bottom 1.4% in $10B-$250B

137

Delinquency Rate

credit_quality

Value: 5.04%

Peer Median: 1.01%

#137 of 138 Bottom 1.4% in $10B-$250B

130

Net Interest Margin

profitability

Value: 2.18%

Peer Median: 3.92%

#130 of 139 Bottom 7.2% in $10B-$250B

115

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.50%

#115 of 139 Bottom 18.0% in $10B-$250B