Visbanking Logo
Skip to main content

Flagstar Bank National Association

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2024-Q2QoQ -14

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

Quarterly Headline

2024-Q2

Bank #694904 2024-Q2 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Liquidity (stable). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.10% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.69% of loans.
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -14 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -33
  • Reserves
    ↓ -20

The five pillars

Liquidity

StableQoQ +4
63
Sub-score

Liquidity is stable: brokered 21.1%, loans/deposits 101.8%.

Cash / Assets
—
Loans / Deposits
101.82%
Brokered %
21.09%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.8% (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

WatchQoQ -6
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.84%, CET1 10.84%, leverage 7.78%.

Tier 1 RBC
10.84%
CET1
10.84%
Leverage
7.78%
No watch items at this period.

Asset Quality

WatchQoQ -33
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.10%, Texas Ratio 23.8%, NCO YTD 1.69%.

Adjusted NPL
3.10%
Govt-guarantees stripped
Texas Ratio
23.8%
NCO YTD
1.69%
30-89 PD
1.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.10% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.69% of loans.

Reserves

WatchQoQ -20
42
Sub-score

Reserves are deteriorating: ALLL 1.54% of loans, coverage 50.5%, true coverage 47.5%.

ALLL / Loans
1.54%
Coverage
50.5%
True Loss Coverage
47.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.5% (Adjusted NPL + Performing Mods denominator).

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