Regulatory Matters

9 Months Ended

Sep. 30, 2020

Banking and Thrift, Other Disclosures [Abstract]

Regulatory Matters

Regulatory Matters

Regulatory Capital

    We, along with the Bank, must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary actions by regulators that could have a material effect on the Consolidated Financial Statements.

    To be categorized as "well-capitalized," the Company and the Bank must maintain minimum tangible capital, Tier 1 capital, common equity Tier 1, and total capital ratios as set forth in the table below. We, along with the Bank, are considered "well-capitalized" at both September 30, 2020 and December 31, 2019.

    The following tables present the regulatory capital ratios as of the dates indicated:

Flagstar Bancorp	Actual				For Capital Adequacy Purposes				Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in millions)
September 30, 2020
Tier 1 capital (to adjusted avg. total assets)	$	2,256	8.0	%	$	1,123	4.0	%	$	1,403	5.0	%
Common equity Tier 1 capital (to RWA)	$	2,016	9.2	%	$	985	4.5	%	$	1,422	6.5	%
Tier 1 capital (to RWA)	$	2,256	10.3	%	$	1,313	6.0	%	$	1,751	8.0	%
Total capital (to RWA)	$	2,471	11.3	%	$	1,751	8.0	%	$	2,188	10.0	%
December 31, 2019
Tier 1 capital (to adjusted avg. total assets)	$	1,720	7.6	%	$	909	4.0	%	$	1,136	5.0	%
Common equity Tier 1 capital (to RWA)	$	1,480	9.3	%	$	715	4.5	%	$	1,033	6.5	%
Tier 1 capital (to RWA)	$	1,720	10.8	%	$	953	6.0	%	$	1,271	8.0	%
Total capital (to RWA)	$	1,830	11.5	%	$	1,271	8.0	%	$	1,589	10.0	%

Flagstar Bank	Actual				For Capital Adequacy Purposes				Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in millions)
September 30, 2020
Tier 1 capital (to adjusted avg. total assets)	$	2,212	7.9	%	$	1,122	4.0	%	$	1,403	5.0	%
Common equity Tier 1 capital (to RWA)	$	2,212	10.1	%	$	985	4.5	%	$	1,422	6.5	%
Tier 1 capital (to RWA)	$	2,212	10.1	%	$	1,313	6.0	%	$	1,751	8.0	%
Total capital (to RWA)	$	2,427	11.1	%	$	1,751	8.0	%	$	2,188	10.0	%
December 31, 2019
Tier 1 capital (to adjusted avg. total assets)	$	1,752	7.7	%	$	909	4.0	%	$	1,136	5.0	%
Common equity Tier 1 capital (to RWA)	$	1,752	11.0	%	$	714	4.5	%	$	1,032	6.5	%
Tier 1 capital (to RWA)	$	1,752	11.0	%	$	952	6.0	%	$	1,270	8.0	%
Total capital (to RWA)	$	1,862	11.7	%	$	1,270	8.0	%	$	1,587	10.0	%