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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
53
/ 100
WatchAs of 2024-Q3QoQ -2

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

Quarterly Headline

2024-Q3

Bank #694904 2024-Q3 Vital Signs Score: 53/100 — overall watch. Strongest pillar: Liquidity (stable). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.7% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +10
73
Sub-score

Liquidity is stable: brokered 20.7%, loans/deposits 86.3%.

Cash / Assets
—
Loans / Deposits
86.30%
Brokered %
20.71%
No watch items at this period.

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 -10
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.94%, CET1 0.00%, leverage 7.61%.

Tier 1 RBC
11.94%
CET1
0.00%
Leverage
7.61%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -1
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.55%, Texas Ratio 31.8%, NCO YTD 1.24%.

Adjusted NPL
4.55%
Govt-guarantees stripped
Texas Ratio
31.8%
NCO YTD
1.24%
30-89 PD
0.62%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.55% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.24% of loans.

Reserves

RiskQoQ -5
37
Sub-score

Reserves are weak: ALLL 1.72% of loans, coverage 38.5%, true coverage 36.7%.

ALLL / Loans
1.72%
Coverage
38.5%
True Loss Coverage
36.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.7% (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