Headquartered in Hicksville, New York, Flagstar Bank, National Association is a national bank with $87.7B in total assets and $67.5B in deposits as of Q2 2026. It operates 345 offices across 9 states. Its charter dates back to 1987.
Flagstar Bank, National Association has a TellerScore of 31 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 132 banks with $10 billion – $100 billion. Among 121 banks headquartered in New York, it ranks 116th. Funding & liquidity contributes the most (55/100, 89% loans-to-deposits, 29% uninsured); loan quality contributes the least (0/100, 4.97%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (26 → 31), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 21 |
| Q3 2024 | 21 |
| Q4 2024 | 22 |
| Q1 2025 | 26 |
| Q2 2025 | 26 |
| Q3 2025 | 28 |
| Q4 2025 | 27 |
| Q1 2026 | 31 |
| Q2 2026 | 31 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.82% |
| Q3 2024 | 7.64% |
| Q4 2024 | 8.05% |
| Q1 2025 | 8.91% |
| Q2 2025 | 9.11% |
| Q3 2025 | 9.58% |
| Q4 2025 | 9.22% |
| Q1 2026 | 9.61% |
| Q2 2026 | 9.70% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.05% |
| Q3 2024 | 4.48% |
| Q4 2024 | 4.54% |
| Q1 2025 | 5.23% |
| Q2 2025 | 5.27% |
| Q3 2025 | 5.49% |
| Q4 2025 | 5.27% |
| Q1 2026 | 4.78% |
| Q2 2026 | 4.97% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.05% |
| Q3 2024 | -0.99% |
| Q4 2024 | -0.91% |
| Q1 2025 | -0.31% |
| Q2 2025 | -0.26% |
| Q3 2025 | -0.22% |
| Q4 2025 | -0.14% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 31 | $87.7B | 9.70% | 4.97% | 0.13% | 89.3% |
| Q1 2026 | 31 | $87.1B | 9.61% | 4.78% | 0.10% | 89.3% |
| Q4 2025 | 27 | $87.5B | 9.22% | 5.27% | -0.14% | 90.9% |
| Q3 2025 | 28 | $91.6B | 9.58% | 5.49% | -0.22% | 89.2% |
| Q2 2025 | 26 | $92.2B | 9.11% | 5.27% | -0.26% | 90.2% |
| Q1 2025 | 26 | $97.6B | 8.91% | 5.23% | -0.31% | 88.6% |
| Q4 2024 | 22 | $100.1B | 8.05% | 4.54% | -0.91% | 88.9% |
| Q3 2024 | 21 | $114.3B | 7.64% | 4.48% | -0.99% | 86.3% |
| Q2 2024 | 21 | $119.0B | 7.82% | 3.05% | -1.05% | 101.8% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of ChinaBank New York, NY | 25 out of 100, Low | $48.5B | 0.0% | 1.63% | vs |
| Deutsche Bank Trust Company AmericasBank New York, NY | 76 out of 100, Strong | $40.5B | 25.8% | 0.92% | vs |
| State Bank of IndiaBank New York, NY | 41 out of 100, Below average | $22.5B | 0.0% | 0.00% | vs |
| Apple BankBank New York, NY | 56 out of 100, Moderate | $19.9B | 7.7% | 0.44% | vs |
| Community Bank, National AssociationBank Canton, NY | 62 out of 100, Moderate | $17.4B | 7.9% | 0.50% | vs |
| Bank of BarodaBank New York, NY | 42 out of 100, Below average | $16.2B | 0.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Flagstar Bank, National Association?
Yes. Flagstar Bank, National Association is an FDIC-insured institution (FDIC certificate #32541). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.9% of deposits ($19.5B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.70%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.58% (benchmark: 10%).
345 locations
Branches
Flagstar Bank, National Association lists 340 offices in 250 cities across 9 states. Most locations:
- Staten Island, NY (14)
- Brooklyn, NY (10)
- Fort Wayne, IN (8)
- Flushing, NY (5)
- New York, NY (5)
- Detroit, MI (4)
- Jackson, MI (4)
- Marquette, MI (4)
- Sterling Heights, MI (4)
- Yonkers, NY (4)
- Ann Arbor, MI (3)
- Bronx, NY (3)
HMDA 2025
Mortgage lending
In 2025, Flagstar Bank, National Association reported 18,670 home-loan applications under HMDA (LEI SS1TRMSN6BRNMOREEV51): 9,656 originated ($3,480,100,000 total), 5,397 denied, and 3,289 withdrawn or closed by the applicant. Its denial rate on decided applications was 35.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Flagstar Bank, National Association
- Former names
- Flagstar Bank, FSB; First Security Savings Bank, FSB; First Security Savings Bank FSB
- Type
- National bank
- FDIC certificate #
- 32541
- RSSD ID
- 694904
- Primary regulator
- OCC
- Established
- May 20, 1987
- Headquarters
- 102 Duffy Ave, Hicksville, NY 11801
- Website
- www.flagstar.com
- Employees
- 5,374
Quick answers
Flagstar Bank, National Association: common questions
Is Flagstar Bank, National Association FDIC insured?
Yes. Flagstar Bank, National Association is an FDIC-insured institution (FDIC certificate #32541). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Flagstar Bank, National Association's TellerScore?
31 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Flagstar Bank, National Association ever failed?
There is no failure record for FDIC certificate #32541 in the FDIC failed bank list.
How many branches does Flagstar Bank, National Association have?
345 offices as of the latest FDIC data, in 9 states.
Nearby
Highest-scoring banks and credit unions with branches near Hicksville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT | 89 out of 100, Very strong | $32.6M | 14.5% | 0.87% | vs |