Flagstar Bank, National Association (FLG) Balance Sheet: Assets & Liabilities

Flagstar Bank, National Association (FLG) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Flagstar Bank, National Association reported total assets of $87.51B and total liabilities of $79.37B. Shareholders' equity was $8.14B, down 0.3% from $8.17B a year earlier. Total debt stood at $12.18B against $16.25B in cash and short-term investments, a net cash position of $4.07B. That puts debt-to-equity at 1.50, compared with 1.77 a year earlier.

Flagstar Bank, National Association Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Flagstar Bank, National Association (FLG) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	5.89	15.43	11.48	2.03	2.21	1.95	0.74	1.47	2.53
Short-Term Investments	15.70	10.40	9.15	8.63	4.61	4.54	4.48	4.38	2.27
Cash & Short-Term Investments	16.25	25.83	20.62	10.66	6.82	6.48	5.22	5.86	4.80
Accounts Receivable	0.30	2.12	3.19	1.68	0.21	1.74	1.27	0.68	0.66
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Current Assets	16.25	27.95	23.81	12.34	8.62	8.22	6.49	6.54	5.46
Non-Current Assets
Property, Plant & Equipment (Net)	0.48	0.56	0.65	0.49	0.27	0.55	0.60	0.35	0.37
Long-Term Investments	0.00	65.87	81.63	68.06	1.92	41.10	40.51	39.35	37.60
Goodwill	0.00	0.00	0.00	2.43	2.43	2.43	2.43	2.44	2.44
Intangible Assets	0.38	0.51	1.74	1.32	0.00	0.00	0.00	0.00	0.01
Other Non-Current Assets	0.00	5.27	6.23	5.51	4.45	4.00	3.61	3.22	3.25
Total Non-Current Assets	0.86	72.21	90.25	77.81	50.91	48.09	47.15	45.36	43.67
Total Assets	87.51	100.16	114.06	90.14	59.53	56.31	53.64	51.90	49.12
Current Liabilities
Accounts Payable	0.04	0.00	0.00	0.00	0.02	0.02	0.00	0.00	0.00
Short-Term Debt	4.00	3.75	7.35	10.33	3.75	0.80	0.80	0.50	0.45
Other Current Liabilities	30.29	75.87	81.53	58.72	35.06	32.44	31.66	30.76	29.10
Total Current Liabilities	30.29	79.62	88.88	69.05	39.63	33.26	32.46	31.26	29.55
Non-Current Liabilities
Long-Term Debt	8.18	10.68	21.27	21.33	15.76	15.55	14.04	13.71	12.46
Other Non-Current Liabilities	36.89	1.70	-4.45	-9.06	-3.16	0.66	0.43	0.27	0.31
Total Non-Current Liabilities	49.08	12.37	16.81	12.27	12.86	16.21	14.47	13.98	12.78
Total Liabilities	79.37	91.99	105.69	81.32	52.48	49.46	46.93	45.24	42.33
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.01	0.01	0.01	0.00	0.00	0.00
Retained Earnings	-0.99	-0.76	0.44	1.04	0.74	0.49	0.34	0.30	0.24
Accumulated Other Comprehensive Income	-0.49	-0.64	-0.60	-0.62	-0.09	-0.03	-0.03	-0.09	-0.02
Treasury Stock	0.19	0.22	0.22	0.24	0.25	-	-	-	-
Additional Paid-in Capital	9.30	9.06	8.02	8.13	6.13	5.87	5.89	5.94	6.06
Shares Outstanding	0.42	0.41	0.24	0.23	0.16	-	-	-	-
Total Stockholders' Equity	8.14	8.17	8.37	8.82	7.04	6.84	6.71	6.66	6.80
Total Liabilities & Equity	87.51	100.16	114.06	90.14	59.53	56.31	53.64	51.90	49.12

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Flagstar Bank, National Association Balance Sheet

How much debt does Flagstar Bank, National Association have?

Flagstar Bank, National Association had total debt of $12.18B as of Dec 31, 2025, against $16.25B in cash and short-term investments. Its debt-to-equity ratio was 1.50. Total debt was $14.43B a year earlier.

What are Flagstar Bank, National Association's total assets?

Flagstar Bank, National Association reported total assets of $87.51B as of Dec 31, 2025, down 12.6% from $100.16B a year earlier. Total liabilities were $79.37B.

What is Flagstar Bank, National Association's shareholders' equity?

Flagstar Bank, National Association's shareholders' equity was $8.14B as of Dec 31, 2025, or about $19.58 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition