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

137 banks in the $10B-$250B peer group nationally 11 in 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 11.1% in tier
- Capital Constraint: Bottom 33.3% in tier
- Efficiency Drag: Bottom 75.0% in tier
- Return on Assets 1.18% below tier average
- Net Interest Margin 1.59% below tier average
- Delinquency Rate 3.84% above tier average
- Nonperforming Asset Ratio 2.61% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$87.1B -10.7% YoY -0.4% QoQ	+$40.2B	$47.0B -1.9% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 13.9% in tier
Total Loans ?	$59.7B -9.5% YoY -0.4% QoQ	+$30.3B	$29.4B -0.4% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 10.9% in tier
Total Deposits ?	$66.8B -10.2% YoY +1.3% QoQ	+$28.4B	$38.4B -1.6% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	0.10% +131.0% YoY +169.3% QoQ	-1.18%	1.28% +18.7% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Bottom 0.7% in tier
Net Interest Margin ?	2.19% +17.1% YoY +7.2% QoQ	-1.59%	3.77% +5.8% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Bottom 8.8% in tier
Efficiency Ratio ?	87.17% -10.5% YoY -6.4% QoQ	+33.17%	54.01% -3.7% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Bottom 0.7% in tier
Delinquency Rate ?	4.86% -8.7% YoY -9.4% QoQ	+3.84%	1.02% -3.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Bottom 1.5% in tier
Loan-to-Deposit Ratio ?	89.33% +0.8% YoY -1.7% QoQ	+8.55%	80.79% +1.9% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	17.65% +3.1% YoY -3.4% QoQ	-2.39%	20.04% +0.2% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	34%
Nonperforming Asset Ratio ?	3.33% -7.4% YoY -9.3% QoQ	+2.61%	0.72% +4.2% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Bottom 2.2% in tier
Tier 1 Capital Ratio ?	14.08% +5.4% YoY +3.1% QoQ	-1.44%	15.51% -0.4% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.07% -18.2% YoY -79.5% QoQ	-0.15%	0.22% +0.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	19%

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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

#3 of 18 • Bottom 11.1% in tier

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

18 of 18 Large banks match · 656 nationally

→ Stable -8 banks QoQ

Capital Constraint

risk

#2 of 3 • Bottom 33.3% 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: 89.33%

(Tier: 80.79%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.08%

(Tier: 15.51%, National: 17.06%)

worse than tier avg

3 of 3 Large banks match · 148 nationally

↑ Growing +19 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: 87.17%

(Tier: 54.01%, National: 66.95%)

worse than tier avg

4 of 4 Large banks match · 492 nationally

→ Stable | QoQ rank declining

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 137 peers in $10B-$250B

Top Strengths (3 metrics)

Total Loans

size

Value: $59.70B

Peer Median: $29.36B

#16 of 137 Top 10.9% in $10B-$250B

Total Assets

size

Value: $87.13B

Peer Median: $46.96B

#20 of 137 Top 13.9% in $10B-$250B

Total Deposits

size

Value: $66.83B

Peer Median: $38.42B

#23 of 137 Top 16.1% in $10B-$250B

Top Weaknesses (6 metrics)

137

Efficiency Ratio

profitability

Value: 87.17%

Peer Median: 54.01%

#137 of 137 Bottom 0.7% in $10B-$250B

137

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.28%

#137 of 137 Bottom 0.7% in $10B-$250B

135

Delinquency Rate

credit_quality

Value: 4.86%

Peer Median: 1.02%

#135 of 136 Bottom 1.5% in $10B-$250B

135

Nonperforming Asset Ratio

credit_quality

Value: 3.33%

Peer Median: 0.72%

#135 of 137 Bottom 2.2% in $10B-$250B

126

Net Interest Margin

profitability

Value: 2.19%

Peer Median: 3.77%

#126 of 137 Bottom 8.8% in $10B-$250B

112

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.22%

#112 of 137 Bottom 19.0% in $10B-$250B