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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Flagstar Bank National Association

Hicksville, New York · $87.71B in assets · beside the 11 other New York banks over $10B

The filing

4.97%
NPA / loans
12th of 12
0.13%
ROA
7th of 7
89.9%
Efficiency
7th of 7

Flagstar Bank National Association is the largest of the 12 New York banks nearest its size over $10B, with $87.71B in assets at 30 June 2026. Loans are 90.6% of deposits, 9th of 12 against a median of 84.8%, and equity is 9.3% of assets, 5th of 7. Loans grew -5.0% in the year, the slowest in the cohort, and deposits fell 3.9%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 4.97% of the book, the highest in the cohort against a median of 0.53%; 0.61% is 30 to 89 days past due, and the allowance covers them 0.3 times. Net charge-offs are 0.58% of loans, the highest in the cohort. Commercial real estate is 53.5% of loans, 11th of 12 against a median of 25.4%, and 328% of capital, above the 300% screen, with construction at 14% against the 100% screen.

Return on assets is 0.13%, the lowest in the cohort against a median of 0.98%, on an efficiency ratio of 89.9%, the highest in the cohort. Five years ago it was 1.08%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 4.1% of loans).

Nonperforming loans, share of loansNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.53% SB State Bank of India 0.00% Bo Bank of Baroda 0.00% SN Safra National Bank of New York 0.00% AB Apple Bank 0.44% CB Community Bank National Association 0.50% BB Banco Bilbao Vizcaya Sa 0.51% NB NBT Bank National Association 0.55% SC Standard Chartered Bank PLC 0.60% DC Dime Commercial Bank 0.64% DB Deutsche Bank Trust Co. Americas 0.92% Bo Bank of China 1.63% FB Flagstar Bank National Association 4.97%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +6.9% BB Banco Bilbao Vizcaya Sa +64.1% SN Safra National Bank of New York +24.8% SC Standard Chartered Bank PLC +24.4% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% NB NBT Bank National Association +2.1% SB State Bank of India -1.4% DC Dime Commercial Bank -1.6% DB Deutsche Bank Trust Co. Americas -3.7% FB Flagstar Bank National Association -5.0%

SBA 7(a), FY2008 to FY2026

Flagstar Bank National Association is the 74th largest 7(a) lender into Michigan of 364, with $23M across 105 loans, 0.2% of everything approved in the state (The Huntington National Bank leads with $3.53B). 22 of its 35 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Michigan, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Oakland, MI$8M47th of 1850.3%+0.2 pts
Macomb, MI$6M29th of 1260.5%-1.2 pts
Wayne, MI$3M67th of 1640.2%-0.0 pts
Maricopa, AZ$3M163rd of 3030.0%thin
Monroe, MI$1M26th of 570.6%quiet FY2021
Marin, CA$990K52nd of 990.3%thin
Ottawa, MI$901K42nd of 780.2%quiet FY2017
Van Buren, MI$713K26th of 430.7%quiet FY2012
Ingham, MI$620K59th of 870.2%+0.6 pts
El Dorado, CA$613K69th of 1010.2%quiet FY2022
Palm Beach, FL$585K157th of 1950.0%thin
Yavapai, AZ$537K73rd of 890.1%quiet FY2009
Livingston, MI$503K44th of 720.2%quiet FY2021
22 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance19$4M12.9%0.01%622nd of 2,172
Retail trade19$4M11.4%0.01%867th of 2,589
Construction18$3M10.7%0.01%714th of 2,063
Other services12$3M10.4%0.01%698th of 2,248
Professional & technical services17$3M10.3%0.01%582nd of 1,955
7(a) lenders into Michigan, share of approvals since FY2008364 lenders on record; the ten largest and Flagstar Bank National Association
TH The Huntington National Bank 28.0% $3.53B · 19,577 loans FT Fifth Third Bank 7.1% $895M · 2,010 loans LO Live Oak Banking Company 4.7% $589M · 456 loans CB Choiceone Bank 3.3% $418M · 795 loans JC JPMorgan Chase Bank, National Ass… 2.7% $338M · 2,073 loans ON Old National Bank 2.6% $330M · 438 loans BB Byline Bank 1.8% $226M · 212 loans FI First Internet Bank of Indiana 1.7% $216M · 160 loans FM First Merchants Bank 1.7% $212M · 421 loans Bo Bank of Ann Arbor 1.6% $201M · 386 loans FB Flagstar Bank National Association 0.2% $23M · 105 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Flagstar Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen328%5th of 7228%
Construction against capital, the 100% screen14%5th of 75%
Construction and land development, share of loans2.2%8th of 121.4%
Non-owner-occupied nonfarm nonresidential, share of loans7.3%1st of 714.5%
Total CRE, the guidance definition, share of loans53.5%11th of 1225.4%
CRE growth over 36 months, the third prong-32.3%2nd of 10+8.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Flagstar Bank National Association$87.71B0.1%89.9%4.97%0.58%1.4%90.6%9.3%
Standard Chartered Bank PLC$69.15Bno recordno record0.60%no recordno record52.6%no record
Banco Bilbao Vizcaya Sa$58.37Bno recordno record0.51%no recordno record201.3%no record
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
NBT Bank National Association$16.09B1.2%59.2%0.55%0.16%1.2%86.8%11.6%
Safra National Bank of New York$15.69B1.0%61.7%0.00%0.00%0.8%26.4%8.6%
Dime Commercial Bank$15.03B1.0%49.7%0.64%0.34%1.0%84.0%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Flagstar Bank National AssociationCohort median
20212026Change20212026Change
Loans$43.58B$61.19B+40%$9.58B$13.97B+46%
Deposits$34.32B$67.52B+97%$11.86B$15.50B+31%
NPA / loans0.07%4.97%+4.89 pts0.57%0.53%-0.03 pts
Efficiency37.9%89.9%+51.9 pts59.8%61.7%+1.9 pts
ROA1.08%0.13%-0.96 pts1.08%0.98%-0.11 pts

This read was prepared for Flagstar Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Flagstar Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
Institution www.flagstar.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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