Flagstar Bank, National Association
Flagstar Bank, National Association is classed by the SEC under Savings Institutions, Not Federally Chartered (industry code 6036), based in Hicksville, NY. Its latest filed balance sheet (2025-12-31) shows total assets of $87 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6036, Savings Institutions, Not Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 2.3 out of ten, 9 of 9 metrics filed: past 2.2 out of ten, present 2.8 out of ten, future 1.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 0.7 out of ten. 4 warning events since 2017; the latest 2025-10-20. 7th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 1.3 out of ten. +11.5% a year over 10 filed years; profitable in 7 of 10. 13th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 4.9 out of ten. Share count grew 36.9% a year. 100% of cash flow returned. Insiders: 0 sales, 1 purchases. 49th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 0.8 out of ten. ROE -2%: lost 2¢ per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 8th percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 5.8 out of ten. top 42% of 22 in its family; net margin -4%. 58th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 2.2 out of ten. bottom 22% of 15 in its family for leadership; chief executive since 2025. 22nd percentile among 15 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 0.7 out of ten. bottom 7% of 19 in its family for room to expand. 7th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.3 out of ten. bottom 33% of 19 in its family for growth drivers. 33rd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 0.9 out of ten. bottom 9% of 17 in its family for expectations against reality. 9th percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-24 (on EDGAR). Newest filing: Form 13F-NT, 2026-08-14. Filings on record since 1996. Read from EDGAR 2026-10-12.
Who runs it
Otting, Joseph M (Exec Chairman and CEO); Bao, Nguyen (SEVP, GC & Chf of Staff to CEO); Dinello, Alessandro (Executive Chairman, President and CEO); Smith, Lee Matthew (SEVP & Chief Financial Officer); Buchanan, George (EVP and Chief Risk Officer); Gagnon, Kris (Sr EVP & Chief Credit Officer); Marx, Bryan (EVP & Princ Accounting Officer); Davis, Reginald E (SEVP & Pres Consumer Banking); Raffetto, Richard A (SEVP Pres of Com & Priv Bnking); Miller, Eli H (director); and 6 more. 16 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
This file: Overview · Past · Present · Future · Filings · every company on file
Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.