Regulatory Matters (Tables)

9 Months Ended

Sep. 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)
September 30, 2022
Tier 1 capital (to adjusted avg. total assets)	$	2,759	11.06	%	$	998	4.0	%	$	1,247	5.0	%
Common equity Tier 1 capital (to RWA)	2,519		11.97	%	947		4.5	%	1,368		6.5	%
Tier 1 capital (to RWA)	2,759		13.11	%	1,263		6.0	%	1,684		8.0	%
Total capital (to RWA)	3,015		14.32	%	1,684		8.0	%	2,105		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)
September 30, 2022
Tier 1 capital (to adjusted avg. total assets)	$	2,741	10.99	%	$	998	4.0	%	$	1,247	5.0	%
Common equity Tier 1 capital (to RWA)	2,741		12.96	%	951		4.5	%	1,374		6.5	%
Tier 1 capital (to RWA)	2,741		12.96	%	1,269		6.0	%	1,691		8.0	%
Total capital (to RWA)	2,853		13.49	%	1,691		8.0	%	2,114		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	%