Call reports 2025
FLAGSTAR BANK, NATIONAL ASSOCIATION — 2025
What FLAGSTAR BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 97,568,113,000 | 92,176,203,000 | 91,593,478,000 | 87,511,954,000 |
| Total loans | 67,123,874,000 | 64,439,930,000 | 63,195,505,000 | 60,996,653,000 |
| Allowance for loan losses | 1,168,000,000 | 1,106,000,000 | 1,071,000,000 | 1,029,999,000 |
| Securities available for sale | 12,826,194,000 | 14,823,000,000 | 15,051,682,000 | 15,700,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 54,000 | 3,936,000 | 3,066,000 | 3,678,000 |
| Total deposits | 74,441,023,000 | 70,246,292,000 | 69,627,599,000 | 65,999,563,000 |
| Interest-bearing deposits | 61,695,815,000 | 57,719,704,000 | 57,671,861,000 | 53,939,879,000 |
| Noninterest-bearing deposits | 12,745,208,000 | 12,526,589,000 | 11,955,738,000 | 12,059,684,000 |
| Equity capital | 8,602,768,000 | 8,577,865,000 | 8,609,465,000 | 8,144,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,163,708,000 | 2,304,829,000 | 3,406,124,000 | 4,464,034,000 |
| Interest expense | 733,638,000 | 1,437,720,000 | 2,093,589,000 | 2,684,322,000 |
| Net interest income | 430,070,000 | 867,109,000 | 1,312,535,000 | 1,779,712,000 |
| Noninterest income | 86,887,000 | 167,593,000 | 230,527,000 | 311,051,000 |
| Noninterest expense | 531,744,000 | 1,041,248,000 | 1,545,548,000 | 2,054,186,000 |
| Provision for loan losses | 81,935,000 | 137,335,000 | 175,022,000 | 180,302,000 |
| Pretax income | -93,418,000 | -149,071,000 | -183,396,000 | -137,740,000 |
| Income tax | -17,214,000 | -21,138,000 | -24,419,000 | -8,311,000 |
| Net income | -76,204,000 | -127,933,000 | -158,977,000 | -129,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,857,298,000 | 8,835,239,000 | 8,832,324,000 | 8,348,457,000 |
| Total capital | 9,690,900,000 | 9,634,975,000 | 9,622,071,000 | 9,920,842,000 |
| Risk-weighted assets | 66,306,737,000 | 63,616,649,000 | 62,841,494,000 | 61,125,153,000 |