HIGHBuilt-inGeographic
55%
New York State multi-family
“10-K Item 1A: '$15.8 billion or 55 percent of our total multi-family loan portfolio was secured by properties in New York State'”
FLG · Concentration risk · 10-K extracted
Flagstar Bank, N.A. (FLG) concentration risks
Updated
The most significant concentration Flagstar Bank, N.A. discloses is New York State multi-family at 55%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Flagstar Bank, N.A.’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 5 disclosed concentrations
HIGH2
MEDIUM1
LOW2
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inRegulatory
OCC primary regulator
“10-K Item 1: 'The Bank is a national banking association, subject to federal regulation and oversight by the Office of Comptroller of the Currency (the "OCC")'”
MEDIUMBuilt-inLoan_portfolio
47.7%
multi-family loans
“10-K Item 1A: '$29.0 billion or 47.7 percent of our total loans and leases held for investment portfolio consisted of multi-family loans'”
LOWBuilt-inLoan_portfolio
20%
uninsured deposits
“10-K Item 1A: 'approximately 20 percent of our total deposits were not FDIC-insured or collateralized by securities or letters of credit'”
LOWBuilt-inLoan_portfolio
15.3%
CRE loans
“10-K Item 1A: '$9.3 billion or 15.3 percent consisted of CRE loans'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The bank's disclosed concentration profile is dominated by an intra-portfolio geographic skew within the multi-family loan book, sitting on top of a medium-share overall multi-family tilt and supplemented by smaller CRE and deposit composition disclosures. The highest-share exposure in the filing is the geographic concentration within multi-family lending: $15.8 billion, or 55% of the total multi-family loan portfolio, is secured by properties in New York State — a high share by disclosed size and structural in character. Multi-family lending in New York State is subject to specific rent stabilization and regulatory dynamics that differ materially from other markets, which means credit quality in this segment is not a simple proxy for national multi-family trends. At the portfolio level, $29.0 billion, or 47.7% of total loans and leases held for investment, consisted of multi-family loans — a medium share by disclosed size and structural, reflecting the deliberate franchise positioning. CRE loans at 15.3% of total loans and leases and uninsured deposits at approximately 20% of total deposits are both disclosed as lower-share, structural exposures. The regulatory overlay is a high-share structural feature: as a national banking association, the bank is subject to OCC oversight, which is a standard structural characteristic rather than an idiosyncratic risk. Together, the picture centers on the New York State multi-family concentration as the most differentiated disclosed variable — monitoring rent regulation, property valuations, and landlord credit quality in that market is the most consequential monitoring task.
For the engine’s reasoning on FLG’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| FLG● | Flagstar Bank, N.A. | 2 | 1 | 2 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.