Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2022

Banking and Thrift, Other Disclosure [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)
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	%