Flagstar Bank, National Association: how it compares with its peers
Against 31 U.S. banks with half to twice its assets, Flagstar Bank, National Association's strongest measure in Q2 2026 is assets per employee ($16.3M vs. a $14.2M peer median). Its weakest relative measure is efficiency ratio (85.21% vs. 51.67%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.13% | 1.24% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.18% | 3.31% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.21% | 51.67% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.3M | $14.2M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.34% | 83.22% | Context |
What it means for lending operations
Its efficiency ratio of 85.21% is above the 51.67% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Zions Bancorporation, N.A. Salt Lake City, UT · $89.04B
- East West Bank Pasadena, CA · $84.32B
- First Horizon Bank Memphis, TN · $84.12B
- Western Alliance Bank Phoenix, AZ · $98.57B
- City National Bank Los Angeles, CA · $99.10B
Questions about Flagstar Bank, National Association
How big is Flagstar Bank, National Association?
Flagstar Bank, National Association, established in 1987, is headquartered in Hicksville, NY. It reported $87.71B in total assets in its Q2 2026 FDIC call report and operates 345 offices.
What is Flagstar Bank, National Association's return on assets?
0.13% annualized in Q2 2026, against a 1.24% median for 31 U.S. banks with half to twice its assets, ahead of 10% of them.
What is Flagstar Bank, National Association's efficiency ratio?
85.21% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 51.67%, and lower is better.
Is Flagstar Bank, National Association growing its loans?
Net loans shrank 4.7% over the year to Q2 2026, while deposits shrank 3.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.