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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2025-Q2QoQ +3

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

Quarterly Headline

2025-Q2

Bank #694904 2025-Q2 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (stable). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.36% (govt-guarantees stripped).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +1
75
Sub-score

Liquidity is stable: brokered 15.3%, loans/deposits 90.2%.

Cash / Assets
—
Loans / Deposits
90.16%
Brokered %
15.25%
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

StableQoQ +5
68
Sub-score

Capital position is stable: Tier 1 RBC 13.89%, CET1 0.00%, leverage 9.07%.

Tier 1 RBC
13.89%
CET1
0.00%
Leverage
9.07%

Watch Items

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

Asset Quality

WatchQoQ +3
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.36%, Texas Ratio 34.2%, NCO YTD 0.71%.

Adjusted NPL
5.36%
Govt-guarantees stripped
Texas Ratio
34.2%
NCO YTD
0.71%
30-89 PD
0.98%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.36% (govt-guarantees stripped).

Reserves

RiskQoQ 0
35
Sub-score

Reserves are weak: ALLL 1.72% of loans, coverage 32.6%, true coverage 32.5%.

ALLL / Loans
1.72%
Coverage
32.6%
True Loss Coverage
32.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.5% (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