NEW YORK, NY--(Marketwire - May 9, 2012) - Earlier this month, the FDIC announced that they have shut down a small bank in Florida, bringing the total of bank failures this year to 23. Bank closures have slowed down significantly since 2010, where 157 banks were seized by regulators, but the end of a FDIC program set to expire in December could potentially mean doom for some smaller banks across the U.S. Five Star Equities examines the outlook for companies in the Savings and Loans Industry and provides equity research on Flagstar Bancorp, Inc. (NYSE: [ FBC ]) and New York Community Bancorp, Inc. (NYSE: [ NYB ]).

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Small Business lending is set to take a major blow if a federal program, designed to insure small business accounts generally used for payroll, comes to an end later this year. The FDIC program provides unlimited insurance for $1.4 trillion in noninterest-bearing transaction accounts. The program began during the financial crisis in 2008 to prevent small business owners from moving their accounts from community banks to larger institutions. With the program set to expire at the end of December community banks are fearing companies will transfer billions of dollars in deposits to the nation's larger banks.

Five Star Equities releases regular market updates on the Savings and Loans Industry so investors can stay ahead of the crowd and make the best investment decisions to maximize their returns. Take a few minutes to register with us free at [ www.FiveStarEquities.com ] and get exclusive access to our numerous stock reports and industry newsletters.

Flagstar Bancorp is a full-service financial services company offering a range of products and services to consumers, businesses, and homeowners. With $14.0 billion in total assets at March 31, 2012, Flagstar is the largest publicly held savings bank headquartered in the Midwest. The holding company for Flagstar Bank reported a first quarter 2012 net loss applicable to common stockholders of $8.7 million, an improvement from fourth quarter 2011 net loss of $78.2 million and first quarter 2011 net loss of $31.7 million.

New York Community Bancorp is a bank holding company and a producer of multi-family mortgage loans in New York City. It has two bank subsidiaries: New York Community Bank, New York Commercial Bank. The company reported GAAP earnings of $118.3 million, or $0.27 per diluted share, for the three months ended March 31, 2012, generating a 1.24% return on average tangible assets and a 15.95% return on average tangible stockholders' equity.

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