Bank · FDIC insured
Flagstar Bank
Top CarrotA $87.7B bank, the 36th largest of 4,207, headquartered in Hicksville, NY, with 342 branches in 9 states. Best rates: CDs 4.30% and savings 4.00% APY.
Flagstar Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#26 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Flagstar Bank
- Headquarters
- 102 Duffy Ave, Hicksville, NY 11801
- FDIC certificate
- 32541 ↗
Branches
342 branches in 9 states
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New York
107 branchesMichigan
101 branchesNew Jersey
30 branchesFlorida
27 branchesOhio
26 branchesIndiana
24 branchesArizona
12 branchesCalifornia
12 branches
Riverside area · 8
- Adelanto Branch10474 Rancho Rd, Adelanto, CA 92301Directions
- Apple Valley Branch16003 Quantico Rd, Apple Valley, CA 92307Directions
- Barstow Branch945 Armory Rd, Barstow, CA 92311Directions
- Hesperia Branch15479 Main St, Hesperia, CA 92345Directions
- Phelan Branch4895 Phelan Rd, Phelan, CA 92371Directions
- Victorville Main Branch12470 Hesperian Road, Victorville, CA 92395Directions
- Victorville North Branch14800 La Paz Dr, Victorville, CA 92395Directions
- Wrightwood Branch1261 Highway 2, Wrightwood, CA 92397Directions
Los Angeles area · 3
- Beverly Hills Branch9665 Wilshire Blvd, Beverly Hills, CA 90212Directions
- El Segundo Branch Office1960 E Grand Ave, El Segundo, CA 90245Directions
- Newport Beach Branch Office100 Bayview Cir, Newport Beach, CA 92660Directions
San Francisco area · 1
- San Francisco Branch300 California St, San Francisco, CA 94104Directions
Wisconsin
3 branchesWalk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.70% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 4.97% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 0.13% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $91 | $85 | — |
- CapitalLeverage ratio9.70%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent4.97%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets0.13%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$91Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Flagstar Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.