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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q1QoQ +1

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

Quarterly Headline

2024-Q1

Bank #694904 2024-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.7% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +16

The five pillars

Liquidity

WatchQoQ -10
58
Sub-score

Liquidity is deteriorating: brokered 20.8%, loans/deposits 108.7%.

Cash / Assets
—
Loans / Deposits
108.69%
Brokered %
20.81%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.7% (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

StableQoQ +1
63
Sub-score

Capital position is stable: Tier 1 RBC 11.08%, leverage 8.12%.

Tier 1 RBC
11.08%
CET1
—
Leverage
8.12%
No watch items at this period.

Asset Quality

StrongQoQ +2
86
Sub-score

Asset quality is strong: Adjusted NPL 1.71%, Texas Ratio 13.1%, NCO YTD 0.38%.

Adjusted NPL
1.71%
Govt-guarantees stripped
Texas Ratio
13.1%
NCO YTD
0.38%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +16
62
Sub-score

Reserves are stable: ALLL 1.46% of loans, coverage 86.6%, true coverage 75.3%.

ALLL / Loans
1.46%
Coverage
86.6%
True Loss Coverage
75.3%
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