<span item_type="fundamental" item_id="1d8754311224451830417c93bd3655a4" counter_id="ST/US/FLG" env="prod"></span><span item_type="announcement" item_id="579903738761647489" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 1.195 B.</p><p>EPS: As of FY2025 Q3, the actual value is USD -0.11.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -428 M.</p><p></p><h3>Net Loss</h3><ul><li>For the three months ended September 30, 2025, Flagstar Bank, National Association reported a net loss of $36 million compared to a net loss of $70 million for the three months ended June 30, 2025. The net loss attributable to common stockholders was $45 million, or $0.11 per diluted share, compared to a net loss attributable to common stockholders of $78 million, or $0.19 per diluted share for the three months ended June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li><li>For the nine months ended September 30, 2025, the net loss was $206 million compared to a net loss of $930 million for the nine months ended September 30, 2024. The net loss attributable to common stockholders was $231 million, or $0.56 per diluted share, compared to a net loss attributable to common stockholders of $957 million, or $3.16 per diluted share for the nine months ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul><h3>Net Interest Income (NII)</h3><ul><li>NII for the three months ended September 30, 2025, was $425 million, an increase of $6 million from $419 million for the three months ended June 30, 2025. The net interest margin (NIM) increased by 10 basis points to 1.91% from 1.81%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li><li>For the nine months ended September 30, 2025, NII was $1,254 million, a decrease of $437 million from $1,691 million for the nine months ended September 30, 2024. The NIM decreased by 19 basis points to 1.82% from 2.01%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul><h3>Provision for Credit Losses</h3><ul><li>The provision for credit losses for the three months ended September 30, 2025, was $38 million, a decrease of $26 million from $64 million for the three months ended June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li><li>For the nine months ended September 30, 2025, the provision for credit losses was $181 million, a decrease of $766 million from $947 million for the nine months ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul><h3>Non-Interest Income</h3><ul><li>Non-interest income for the three months ended September 30, 2025, was $94 million, an increase of $17 million from $77 million for the three months ended June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li><li>For the nine months ended September 30, 2025, non-interest income was $251 million, an increase of $15 million from $236 million for the nine months ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul><h3>Non-Interest Expense</h3><ul><li>Non-interest expenses for the three months ended September 30, 2025, were $522 million, an increase of $9 million from $513 million for the three months ended June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li><li>For the nine months ended September 30, 2025, non-interest expenses were $1,567 million, a decrease of $553 million from $2,120 million for the nine months ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul><h3>Income Tax Benefit</h3><ul><li>The income tax benefit for the three months ended September 30, 2025, was $5 million, a decrease of $6 million from $11 million for the three months ended June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li><li>For the nine months ended September 30, 2025, the income tax benefit was $37 million, a decrease of $173 million from $210 million for the nine months ended September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul><h3>Loans and Leases</h3><ul><li>Total loans and leases held for investment were $62,661 million at September 30, 2025, a decrease of $5,611 million from $68,272 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li><li>The allowance for credit losses on loans and leases was $1,071 million at September 30, 2025, a decrease of $130 million from $1,201 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul><h3>Deposits</h3><ul><li>Total deposits at September 30, 2025, were $69,152 million, a decrease of $6,718 million from $75,870 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul><h3>Borrowed Funds</h3><ul><li>Total borrowed funds at September 30, 2025, were $13,182 million, a decrease of $1,244 million from $14,426 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li>Flagstar Bank, National Association is executing a strategic transformation plan to evolve into a fully diversified bank with a strong balance sheet, robust capital position, and consistent earnings power. The plan is guided by six strategic pillars: driving transformation and financial resilience, growing core operations, executing a disciplined commercial banking and lending strategy, enhancing operational efficiency, developing talent and leadership, and aligning regulatory and risk management.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li><li>The bank has made measurable progress since initiating the plan in 2024, including key leadership additions, reduction of non-core assets, and improved funding mix. The successful execution of this plan is expected to enhance financial resilience, drive sustainable earnings, and deliver greater long-term value to shareholders.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/910073/000091007325000181/fbc-20250930.htm"></span></li></ul>

Flagstar Financial | 10-Q: FY2025 Q3 Revenue: USD 1.195 B