Flagstar Bank National Assn (FDIC #32541): Bank Stress & Real-Estate Credit Exposure
Flagstar Bank National Assn (FDIC Cert #32541): bank stress 90/100, severe, STABLE over 7 days.
Flagstar Bank National Assn (#32541) lends in 72 counties across 10 states; Flagstar Bank National Assn (#32541) reaches 2,521 ZIP codes: Michigan 25 counties, 536 ZIPs; Indiana 14 counties, 184 ZIPs; New York 8 counties, 465 ZIPs; New Jersey 7 counties, 213 ZIPs; Florida 6 counties, 263 ZIPs; California 4 counties, 516 ZIPs.
Flagstar Bank National Assn (#32541) largest markets: Los Angeles County, CA (608 branches, 304 ZIPs) (#32541), Maricopa County, AZ (1,260 branches, 140 ZIPs) (#32541), Suffolk County, NY (1,744 branches, 109 ZIPs) (#32541), San Bernardino County, CA (800 branches, 100 ZIPs) (#32541), Orange County, CA (92 branches, 92 ZIPs) (#32541), Miami Dade County, FL (324 branches, 81 ZIPs) (#32541).
Flagstar Bank National Assn (#32541) reports $87.71 billion in total assets; Flagstar Bank National Assn (#32541) equity $8.14 billion (9.3% of Flagstar Bank National Assn (#32541) assets); Flagstar Bank National Assn (#32541) domestic deposits $67.52 billion; Flagstar Bank National Assn (#32541) net income $55.3 million; Flagstar Bank National Assn (#32541) return on assets 0.13%; Flagstar Bank National Assn (#32541) return on equity 1.36%; Flagstar Bank National Assn (#32541) net interest income $882.8 million; Flagstar Bank National Assn (#32541) call report June 30, 2026.
Flagstar Bank National Assn (#32541) noncurrent real-estate loans 0.77% of its book; Flagstar Bank National Assn (#32541) multifamily 1.09%; Flagstar Bank National Assn (#32541) residential 0.27%; Flagstar Bank National Assn (#32541) net charge-offs on real estate 6.89%; Flagstar Bank National Assn (#32541) multifamily charge-offs 8.06%; Flagstar Bank National Assn (#32541) residential charge-offs 5.17%.
Flagstar Bank National Assn (#32541) net interest margin 2.18% against an eight-quarter Flagstar Bank National Assn (#32541) average of 2.07% (Flagstar Bank National Assn (#32541) compression -0.11 points); Flagstar Bank National Assn (#32541) real-estate loans 77.0% of equity; Flagstar Bank National Assn (#32541) non-residential real estate 516.7% of equity; Flagstar Bank National Assn (#32541) rate-exposure score 50/100, Flagstar Bank National Assn (#32541) fixed-rate trap 50/100; Flagstar Bank National Assn (#32541) risk type credit driven; Flagstar Bank National Assn (#32541) rate regime rates elevated, Flagstar Bank National Assn (#32541) snapshot October 19, 2026.
Flagstar Bank National Assn (#32541) stress score moved from 89.1 on June 22, 2026 to 90.5 on October 19, 2026; Flagstar Bank National Assn (#32541) ranged 89.1 to 90.5 over 116 snapshots.
Flagstar Bank National Assn (#32541) alerts: 40 counties; top Flagstar Bank National Assn (#32541) alert scores: Bronx County, NY 51 (elevated); Warren County, NY 50 (moderate); New York County, NY 49 (moderate); Monroe County, NY 47 (moderate); Angola County, NY 29 (low).