Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2021

Banking and Thrift, Other Disclosures [Abstract]

Regulatory Capital Ratios

The following tables present the regulatory capital requirements under the applicable Basel III based U.S. capital rules:

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, 2021
Tier 1 capital (to adjusted avg. total assets)	$	2,709	9.72	%	$	1,115	4.0	%	$	1,393	5.0	%
Common equity Tier 1 capital (to RWA)	$	2,469	11.95	%	$	930	4.5	%	$	1,343	6.5	%
Tier 1 capital (to RWA)	$	2,709	13.11	%	$	1,240	6.0	%	$	1,653	8.0	%
Total capital (to RWA)	$	3,006	14.55	%	$	1,653	8.0	%	$	2,066	10.0	%
December 31, 2020
Tier 1 capital (to adjusted avg. total assets)	$	2,270	7.71	%	$	1,178	4.0	%	$	1,472	5.0	%
Common equity Tier 1 capital (to RWA)	$	2,030	9.15	%	$	999	4.5	%	$	1,442	6.5	%
Tier 1 capital (to RWA)	$	2,270	10.23	%	$	1,331	6.0	%	$	1,775	8.0	%
Total capital (to RWA)	$	2,638	11.89	%	$	1,775	8.0	%	$	2,219	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, 2021
Tier 1 capital (to adjusted avg. total assets)	$	2,619	9.40	%	$	1,114	4.0	%	$	1,393	5.0	%
Common equity Tier 1 capital (to RWA)	$	2,619	12.71	%	$	927	4.5	%	$	1,340	6.5	%
Tier 1 capital (to RWA)	$	2,619	12.71	%	$	1,237	6.0	%	$	1,649	8.0	%
Total capital (to RWA)	$	2,766	13.42	%	$	1,649	8.0	%	$	2,061	10.0	%
December 31, 2020
Tier 1 capital (to adjusted avg. total assets)	$	2,390	8.12	%	$	1,177	4.0	%	$	1,472	5.0	%
Common equity Tier 1 capital (to RWA)	$	2,390	10.77	%	$	999	4.5	%	$	1,443	6.5	%
Tier 1 capital (to RWA)	$	2,390	10.77	%	$	1,332	6.0	%	$	1,775	8.0	%
Total capital (to RWA)	$	2,608	11.75	%	$	1,775	8.0	%	$	2,219	10.0	%