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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2024-Q4QoQ +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-Q4

Bank #694904 2024-Q4 Vital Signs Score: 54/100 — 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 35.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +11
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -1
72
Sub-score

Liquidity is stable: brokered 19.5%, loans/deposits 88.9%.

Cash / Assets
—
Loans / Deposits
88.95%
Brokered %
19.54%
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 +11
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 13.24%, CET1 0.00%, leverage 8.04%.

Tier 1 RBC
13.24%
CET1
0.00%
Leverage
8.04%

Watch Items

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

Asset Quality

WatchQoQ -5
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.62%, Texas Ratio 31.1%, NCO YTD 1.25%.

Adjusted NPL
4.62%
Govt-guarantees stripped
Texas Ratio
31.1%
NCO YTD
1.25%
30-89 PD
1.46%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.62% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.25% of loans.

Reserves

RiskQoQ -1
36
Sub-score

Reserves are weak: ALLL 1.69% of loans, coverage 37.3%, true coverage 35.5%.

ALLL / Loans
1.69%
Coverage
37.3%
True Loss Coverage
35.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.5% (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