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Flagstar Bank FLG Deposit Liabilities Reclassified as Loans Receivable

Deposit Liabilities Reclassified as Loans Receivable at other companies

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Other financials

Income statement

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Revenue$10.0M+66.7%
Net income$21.0M+121%
EPS (diluted)$0.03+112%

Balance sheet

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Cash & equivalents$7.1B-44.0%
Total debt$23.6B+33.8%
Total equity$8.1B-0.4%
Total assets$87.1B-10.8%

Cash flow

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Operating cash flow-$118.0M+80.0%
CapEx$11.0M+1,000%
Free cash flow$3.0B+1,543%

Valuation

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Market cap$6.29B

Profitability

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Net margin2,407.4%-184pp
FCF margin3,788.9%

Returns & leverage

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Return on equity-4.7%-2.2pp
Debt / equity2.9×+0.7×

Where this comes from

Reported directly by Flagstar Bank in its filing.

Tagged under the XBRL concept us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1.

The official record: Flagstar Bank ’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Flagstar Bank 's deposit liabilities reclassified as loans receivable?
Flagstar Bank (FLG) reported deposit liabilities reclassified as loans receivable of $30M in Q4 2025.
How has Flagstar Bank 's deposit liabilities reclassified as loans receivable changed year-over-year?
Flagstar Bank 's deposit liabilities reclassified as loans receivable decreased by 9.1% year-over-year, from $33M to $30M.
What is the long-term trend for Flagstar Bank 's deposit liabilities reclassified as loans receivable?
Over 5 years (2020 to 2025), Flagstar Bank 's deposit liabilities reclassified as loans receivable has grown at a 67.1% compound annual growth rate (CAGR), from $2.3M to $30M.
What does deposit liabilities reclassified as loans receivable mean?
This metric represents deposit-related obligations that have been reclassified as loans receivable due to specific contractual terms or regulatory accounting requirements. It highlights instances where customer funds are treated as credit extensions rather than traditional core deposits. Monitoring this helps investors understand the bank's true liquidity position and the nature of its liability structure.