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Flagstar Bank National Association

IDRSSD: 694904
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2023-Q4QoQ -28

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #694904 2023-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Unknown
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.8% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -28 ptscomposite
  • Liquidity
    ↓ -21
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -21
68
Sub-score

Liquidity is stable: brokered 13.0%, loans/deposits 103.8%.

Cash / Assets
—
Loans / Deposits
103.83%
Brokered %
12.98%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.8% (threshold 100%).

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
—
No watch items at this period.

Capitalization

Stable
63
Sub-score

Capital position is stable: Tier 1 RBC 10.57%, leverage 8.46%.

Tier 1 RBC
10.57%
CET1
—
Leverage
8.46%
No watch items at this period.

Asset Quality

StrongQoQ -16
84
Sub-score

Asset quality is strong: Adjusted NPL 1.46%, Texas Ratio 12.0%, NCO YTD 0.80%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
12.0%
NCO YTD
0.80%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
46
Sub-score

Reserves are deteriorating: ALLL 1.16% of loans, coverage 80.3%, true coverage 66.3%.

ALLL / Loans
1.16%
Coverage
80.3%
True Loss Coverage
66.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 10:26:07 UTC