Regulatory Matters

6 Months Ended

Jun. 30, 2022

Banking and Thrift, Other Disclosure [Abstract]

Regulatory Matters

Regulatory Matters

Regulatory Capital

    We, along with the Bank, are subject to the Basel III based U.S. capital rules, including capital simplification rules adopted in 2020. Under these requirements, we 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 tables below. We, along with the Bank, are considered "well-capitalized" at both June 30, 2022 and December 31, 2021.

    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)
June 30, 2022
Tier 1 capital (to adjusted avg. total assets)	$	2,900	12.17	%	$	953	4.0	%	$	1,192	5.0	%
Common equity Tier 1 capital (to RWA)	2,660		13.22	%	906		4.5	%	1,308		6.5	%
Tier 1 capital (to RWA)	2,900		14.41	%	1,208		6.0	%	1,610		8.0	%
Total capital (to RWA)	3,155		15.68	%	1,610		8.0	%	2,013		10.0	%
December 31, 2021
Tier 1 capital (to adjusted avg. total assets)	$	2,798	10.54	%	$	1,062	4.0	%	$	1,327	5.0	%
Common equity Tier 1 capital (to RWA)	2,558		13.19	%	873		4.5	%	1,261		6.5	%
Tier 1 capital (to RWA)	2,798		14.43	%	1,164		6.0	%	1,552		8.0	%
Total capital (to RWA)	3,080		15.88	%	1,552		8.0	%	1,940		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)
June 30, 2022
Tier 1 capital (to adjusted avg. total assets)	$	2,824	11.87	%	$	951	4.0	%	$	1,189	5.0	%
Common equity Tier 1 capital (to RWA)	2,824		14.04	%	905		4.5	%	1,307		6.5	%
Tier 1 capital (to RWA)	2,824		14.04	%	1,207		6.0	%	1,609		8.0	%
Total capital (to RWA)	2,931		14.57	%	1,609		8.0	%	2,011		10.0	%
December 31, 2021
Tier 1 capital (to adjusted avg. total assets)	$	2,706	10.21	%	$	1,060	4.0	%	$	1,325	5.0	%
Common equity Tier 1 capital (to RWA)	2,706		13.96	%	872		4.5	%	1,260		6.5	%
Tier 1 capital (to RWA)	2,706		13.96	%	1,163		6.0	%	1,551		8.0	%
Total capital (to RWA)	2,839		14.65	%	1,551		8.0	%	1,938		10.0	%