Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FLAGSTAR BANK NATIONAL ASSN

FDIC #32541 · NY · period 20260630

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Total assets13,670,039-10.66% YoY

Total deposits8,664,449-2.83% YoY

Net loans and leases8,530,333-20.14% YoY

Return on assets1.20%+37.78% YoY

Return on equity9.46%+26.13% YoY

Net interest margin2.73%-2.01% YoY

Peer position

Return on assets9thopportunity · n=35

Return on equity3rdopportunity · n=33

Net interest margin17thopportunity · n=35

Equity to assets30thin line · n=33

Noncurrent loans3rdopportunity · n=33

Liquid assets48thin line · n=33

Brokered deposits33rdin line · n=33

Loans to deposits30thin line · n=33

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	13,670,039	8,664,449	8,530,333	1.20	9.46	2.73
2016-06-30	13,657,010	8,772,782	9,198,474	1.34	10.41	2.71
2016-09-30	14,202,207	9,667,980	9,943,512	1.50	11.95	2.74
2016-12-31	13,980,496	8,926,186	9,464,999	1.36	10.90	2.82
2017-03-31	15,301,493	8,916,379	10,682,170	0.87	7.50	2.79
2017-06-30	15,890,503	9,023,774	11,420,468	1.04	9.20	2.92
2017-09-30	16,798,727	9,461,974	12,255,186	1.08	9.79	2.95
2017-12-31	16,855,693	9,220,724	12,164,799	0.74	6.93	2.99
2018-03-31	17,677,688	10,283,923	13,023,390	0.97	10.07	3.01
2018-06-30	18,070,568	10,915,472	13,335,858	1.12	11.68	3.05
2018-09-30	18,635,714	12,044,559	13,972,436	1.15	11.99	3.11
2018-12-31	18,466,868	12,851,536	13,220,402	1.18	12.25	3.33
2019-03-31	19,378,663	13,756,398	14,153,389	0.90	9.13	3.25
2019-06-30	20,149,168	14,817,295	15,397,445	1.13	11.62	3.30
2019-09-30	21,989,123	16,583,471	17,241,198	1.19	12.42	3.27
2019-12-31	23,234,514	15,942,583	18,015,774	1.17	12.47	3.23
2020-03-31	26,767,684	17,136,546	18,865,212	0.80	9.80	2.73
2020-06-30	27,435,611	19,137,650	21,984,264	1.33	16.53	2.80
2020-09-30	29,451,065	21,333,598	24,092,366	2.00	24.79	2.81
2020-12-31	31,013,209	21,035,502	25,588,797	2.05	25.36	2.83
2021-03-31	29,392,867	20,347,120	24,189,677	2.04	23.61	2.85
2021-06-30	27,043,034	19,797,145	22,213,511	2.06	22.98	2.90
2021-09-30	26,994,924	20,345,772	22,420,455	2.13	22.90	2.99
2021-12-31	25,437,685	18,688,689	19,957,060	1.96	20.35	3.03
2022-03-31	23,192,133	18,047,969	17,836,932	0.94	7.97	3.16
2022-06-30	24,847,064	17,326,944	19,158,725	1.00	8.54	3.39
2022-09-30	25,391,417	17,444,216	18,867,222	1.08	9.40	3.65
2022-12-31	90,036,656	58,842,231	69,723,354	0.61	5.26	1.84
2023-03-31	123,633,012	84,951,184	83,301,720	7.58	76.28	2.38
2023-06-30	118,719,431	88,627,165	84,880,856	4.43	44.49	2.98
2023-09-30	111,167,131	82,834,286	85,301,738	3.22	31.84	3.18
2023-12-31	113,998,085	81,683,978	84,808,463	0.00	0.02	3.11
2024-03-31	112,840,482	75,528,613	82,093,161	-1.08	-13.30	2.48
2024-06-30	118,993,651	79,682,020	81,129,826	-1.05	-13.27	2.31
2024-09-30	114,306,851	83,625,177	72,168,120	-0.99	-12.58	2.21
2024-12-31	100,102,295	76,448,437	67,970,509	-0.91	-11.34	2.17
2025-03-31	97,568,113	74,441,023	65,955,874	-0.31	-3.55	1.87
2025-06-30	92,176,203	70,246,292	63,333,929	-0.26	-2.98	1.93
2025-09-30	91,593,478	69,627,599	62,124,506	-0.22	-2.47	1.97
2025-12-31	87,511,954	65,999,563	59,966,654	-0.14	-1.52	2.04
2026-03-31	87,128,815	66,832,203	59,704,406	0.10	1.03	2.19
2026-06-30	87,714,456	67,521,229	60,325,866	0.13	1.36	2.18

Structure and branch footprint

345 current branch locations across 10 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-10-18	1	2132932	694904
2023-03-20	1	5836482	694904
2022-12-01	1	146672	694904
2018-12-01	1	1438589	694904
2012-06-29	7	759072	694904
2010-03-27	50	2960434	694904
2009-12-05	50	600875	694904
2007-10-01	1	540784	694904
2007-04-02	1	870379	694904
2003-11-01	1	672612	694904
2001-08-01	1	306319	694904
2001-02-01	1	338673	694904
1992-06-13	50	808402	694904

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.