Flagstar Bank, National Association balance sheet FLG

Annual Quarterly

As of Jun 30, 2026, Flagstar Bank, National Association had total assets of $87.7 billion and total liabilities of $79.6 billion. Total assets were down 4.9% from a year earlier. Stockholders' equity was $8.1 billion. It held $21.7 billion in cash and investments against $15.6 billion of total debt, net cash of $6.1 billion.

USD in millions, except ratios and per-share amounts. The percent under a figure is the change from the same quarter a year earlier.

Line	Q2 FY2026 Jun 30, 2026	Q1 FY2026 Mar 31, 2026	Q4 FY2025 Dec 31, 2025	Q3 FY2025 Sep 30, 2025	Q2 FY2025 Jun 30, 2025	Q4 FY2024 Dec 31, 2024	Q3 FY2024 Sep 30, 2024	Q2 FY2024 Jun 30, 2024
Assets
Cash	5,180 -36.6%	7,085	5,977 -61.6%	8,559 -63.0%	8,171 -57.1%	15,559 +34.0%	23,151 +224.7%	19,056 +19.0%
Short-term investments	—	—	—	15,107 +43.5%	14,837 +40.6%	10,416	10,525 +20.5%	10,549 +35.3%
Cash and investments	21,747 -5.5%	21,655	21,743 -16.3%	23,666 -29.7%	23,008 -22.3%	25,975 +123.7%	33,676 +112.3%	29,605 +24.3%
Property and equipment, net	472 -0.4%	474	477 -15.1%	464 -28.5%	474 -31.4%	562 -13.8%	649 +1.7%	691 +4.7%
Goodwill	—	—	—	—	—	0	—	—
Total assets	87,714 -4.9%	87,129	87,512 -12.6%	91,668 -19.8%	92,237 -22.5%	100,160 -12.2%	114,367 +2.8%	119,055 +0.2%
Liabilities and equity
Total liabilities	79,573 -5.4%	79,008	79,368 -13.7%	83,559 -21.0%	84,141 -23.8%	91,992 -13.0%	105,795 +5.5%	110,400 +2.5%
Stockholders' equity	8,140 +0.6%	8,120	8,143 -0.3%	8,108 -5.4%	8,095 -3.6%	8,167 -2.4%	8,571 -22.0%	8,397 -24.1%
Debt
Debt due within a year	8,502	7,002	8,000	—	—	—	—	—
Long-term debt	6,686 -49.3%	7,685	8,184 -29.9%	13,182 -35.2%	13,180 -54.4%	11,676 -45.1%	20,333 +39.4%	28,892 +76.0%
Lease liabilities	418 -7.9%	415	427 -7.8%	438 -9.5%	454 +4.1%	463 +3.8%	484 +6.1%	436 -18.7%
Total debt	15,606 +14.5%	15,102	16,611 +36.8%	13,620 -34.6%	13,634 -53.5%	12,139 -44.1%	20,817 +38.4%	29,328 +73.0%
Net cash	6,141 -34.5%	6,553	5,132 -62.9%	10,046 -21.9%	9,374 +3284.1%	13,836 +236.9%	12,859 +1460.6%	277 -96.0%
Ratios
Debt to equity	1.92x	1.86x	2.04x	1.68x	1.68x	1.49x	2.43x	3.49x
Return on equity	0.59%	—	-2.17%	-4.86%	-7.88%	-13.69%	-42.41%	-37.49%
Return on assets	0.05%	—	-0.20%	-0.43%	-0.69%	-1.12%	-3.18%	-2.64%
Book value per share	19.52	19.48	19.58	19.51	19.49	19.68	20.64	23.90

How these figures are calculated

Quarterly columns are single-quarter amounts. When a 10-Q reports only a year-to-date total, as cash flow statements do, the quarter is that total minus the previous quarter's year-to-date total. The fourth quarter is the annual report's full year minus the first nine months. A column marked YTD is a year-to-date total, shown when the earlier report needed for the single quarter is missing. USD in millions, except ratios and per-share amounts. Cash and investments adds short-term and long-term marketable securities to cash. Debt due within a year is the borrowings that are not already in long-term debt. Total debt is those borrowings plus lease liabilities. Net cash is cash and investments minus total debt. Return on equity and return on assets divide the trailing twelve months of net income by the balance on that date. Debt to EBITDA uses the trailing twelve months of EBITDA. More on our methodology.

Company profile

Industry: Savings Institutions, Not Federally Chartered (SIC 6036)
Listed as: FLG (NYSE), FLG-PA (NYSE), FLG-PU (NYSE)
Fiscal year ends: December 31
Headquarters: Hicksville, NY
SEC filer status: Large accelerated filer
SEC CIK: 910073
Former names: FLAGSTAR FINANCIAL, INC. (until Oct 17, 2025); NEW YORK COMMUNITY BANCORP, INC. (until Oct 25, 2024); NEW YORK COMMUNITY BANCORP INC (until Mar 8, 2024); QUEENS COUNTY BANCORP INC (until Jun 28, 2000)

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Source: SEC EDGAR filings. This is company-reported data, not investment advice.