BlastPoint's Banking Scorecard
Flagstar Bank, National Association
Large
Specialty: Commercial
NY
FDIC cert 32541
Hicksville, NY
69
banks in Large tier nationally
4 in NY
View Large leaderboard (NY) →
Flagstar Bank, National Association faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 1% in Large
- - Liquidity Strain: Bottom 1% in Large
- - Deposit Outflow: Bottom 10% in Large
- - Efficiency Drag: Bottom 100% in Large
- - Return on Assets 1.33% below tier
- - Net Interest Margin 1.42% below tier
- - Delinquency Rate 4.48% above tier
- - Nonperforming Asset Ratio 3.12% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.5B
-12.6% YoY
-4.5% QoQ
|
+$12.6B |
$74.9B
-4.4% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$60.0B
-11.8% YoY
-3.5% QoQ
|
+$13.5B |
$46.4B
-2.1% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$66.0B
-13.7% YoY
-5.2% QoQ
|
+$5.5B |
$60.5B
-4.5% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
-0.14%
+84.8% YoY
+37.9% QoQ
|
-1.33% |
1.19%
+17.8% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.04%
-5.9% YoY
+3.5% QoQ
|
-1.42% |
3.46%
+13.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
93.16%
-7.7% YoY
-1.9% QoQ
|
+38.14% |
55.03%
-2.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
5.36%
+16.1% YoY
-4.0% QoQ
|
+4.48% |
0.88%
-0.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
90.86%
+2.2% YoY
+1.8% QoQ
|
+9.14% |
81.72%
+3.9% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
18.27%
+3.6% YoY
+6.4% QoQ
|
-1.70% |
19.97%
+0.5% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
3.68%
+17.0% YoY
-3.2% QoQ
|
+3.12% |
0.55%
+9.0% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.66%
+3.4% YoY
-2.8% QoQ
|
+0.33% |
13.33%
-0.7% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.36%
-27.6% YoY
+41.2% QoQ
|
-0.73% |
1.09%
+2.4% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (8)
Capital Constraint
risk
#1 of 1 · Bottom 1% in Large
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:
90.86%
(Tier: 81.72%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
13.66%
(Tier: 13.33%, National: 9.75%)
1 of 1 Large banks match
·
57 nationally
→ Stable
-1 banks QoQ
Liquidity Strain
risk
#1 of 16 · Bottom 1% in Large
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.86%
(Tier: 81.72%, National: 78.04%)
16 of 16 Large banks match
·
609 nationally
→ Stable
-4 banks QoQ
Deposit Outflow
decline
#2 of 11 · Bottom 10% in Large
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
11 of 11 Large banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Efficiency Drag
risk
#2 of 2 · Bottom 100% in Large
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
93.16%
(Tier: 55.03%, National: 65.09%)
2 of 2 Large banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 1%
in Large
Why this stands out
Current:
-0.14%
(Tier avg: 1.19%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Large
Why this stands out
Current:
2.04%
(Tier avg: 3.46%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Large
Why this stands out
Current:
5.36%
(Tier avg: 0.88%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Large
Why this stands out
Current:
3.68%
(Tier avg: 0.55%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Total Loans
Current: $60.0B · Tier avg: $46.4B
74
74th pctile
Total Assets
Current: $87.5B · Tier avg: $74.9B
70
70th pctile
Total Deposits
Current: $66.0B · Tier avg: $60.5B
65
65th pctile
Tier 1 Capital Ratio
Current: 13.66% · Tier avg: 13.33%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.27% · Tier avg: 19.97%
19
19th pctile
Loan-to-Deposit Ratio
Current: 90.86% · Tier avg: 81.72%
15
15th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 1.09%
9
9th pctile
Net Interest Margin
Current: 2.04% · Tier avg: 3.46%
1
1th pctile
Efficiency Ratio
Current: 93.16% · Tier avg: 55.03%
1
1th pctile
Return on Assets
Current: -0.14% · Tier avg: 1.19%
0
0th pctile
Delinquency Rate
Current: 5.36% · Tier avg: 0.88%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.68% · Tier avg: 0.55%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.68% · Tier avg: 0.55%
0
0th pctile
Delinquency Rate
Current: 5.36% · Tier avg: 0.88%
1
1th pctile
Return on Assets
Current: -0.14% · Tier avg: 1.19%
1
1th pctile
Efficiency Ratio
Current: 93.16% · Tier avg: 55.03%
9
9th pctile
Net Interest Margin
Current: 2.04% · Tier avg: 3.46%
15
15th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 1.09%
19
19th pctile
Loan-to-Deposit Ratio
Current: 90.86% · Tier avg: 81.72%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.27% · Tier avg: 19.97%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.66% · Tier avg: 13.33%
70
70th pctile
Total Deposits
Current: $66.0B · Tier avg: $60.5B
74
74th pctile
Total Assets
Current: $87.5B · Tier avg: $74.9B
78
78th pctile
Total Loans
Current: $60.0B · Tier avg: $46.4B