{"filings":[{"id":501238,"accession_number":"0000910073-26-000053","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-05-18T21:00:20+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Flagstar Bank extends CEO Otting's term to March 2028; appoints Raffetto and Smith as Co-Presidents","event_type":"leadership","confidence":"high","bullets":["Joseph Otting's employment extended as CEO through March 6, 2028; base salary rises to $1.4M from Mar 2027.","Richard Raffetto (Chief Banking Officer) and Lee Smith (CFO) named Co-Presidents and Co-COOs, effective May 18.","Bao Nguyen becomes Chief Legal Officer and COO for Consumer & Retail Banking; Peter Sullivan named General Counsel.","Sydney Menefee will become Chief Audit Executive by end of June, reporting to Audit Committee chair and CEO.","Otting receives $10M RSU award vesting quarterly through March 2028; target bonus $2.25M for 2026, $2.5M for 2027."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99655,"accession_number":"0000910073-26-000035","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Flagstar Bank Q1 2026 net income $13M ($0.03 GAAP); adjusted EPS $0.04; C&I loans up 9% QoQ","event_type":"earnings","confidence":"high","bullets":["Net income attributable to common stockholders $13M ($0.03 diluted); adjusted net income $20M ($0.04).","C&I loans grew $1.4B (9% linked-quarter) to $16.6B, with broad-based growth across strategic areas.","Non-accrual loans declined 11% ($323M) QoQ; criticized/classified loans down 3%.","CET1 capital ratio improved to 13.24% (up 40 bps); excess capital of $1.6B.","NIM 2.15%, up 1 bps QoQ (up 10 bps excluding hedge gain); operating expenses down 5%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115795,"accession_number":"0000910073-26-000029","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-03-27T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Alessandro DiNello to leave board; Eli Miller appointed to Flagstar Bank board","event_type":"leadership","confidence":"high","bullets":["DiNello will not stand for re-election at the 2026 Annual Meeting (June 9, 2026); his term ends at that meeting.","No disagreement with the Bank regarding operations, policies or practices led to his decision.","Eli Miller was appointed to the Board effective April 1, 2026, filling a vacancy from Brian Callanan's resignation.","Miller is a Senior Managing Director of Liberty Strategic Capital, appointed under the 2024 Investment Agreement.","Standard non-employee director compensation: $97,500 cash retainer, $130,000 equity award, plus committee retainers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115794,"accession_number":"0000910073-26-000027","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-02-27T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Bank sets 2026 annual meeting for June 9; record date April 10","event_type":"other","confidence":"high","bullets":["Annual meeting will be held on June 9, 2026, virtually via live webcast at 10:00 a.m. ET.","Record date for shareholder voting is April 10, 2026.","Proxy statement will be filed with the OCC and SEC and posted on ir.flagstar.com.","As of Dec 31, 2025, the bank had $87.5B in assets and $66.0B in deposits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115793,"accession_number":"0000910073-26-000018","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Bank releases Q4 2025 earnings presentation; no financial details in filing","event_type":"earnings","confidence":"low","bullets":["Presentation titled 'Fourth Quarter 2025 Results' dated January 30, 2026, made available to investors and posted on company website.","Exhibit text in the 8-K does not include specific financial figures from the presentation.","Company trades under FLG on NYSE; also has preferred stock series FLG PRU and FLG PRA."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.15,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115792,"accession_number":"0000910073-26-000017","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Flagstar returns to profitability in Q4 2025 with EPS $0.05; NIM expands 23 bps to 2.14%","event_type":"earnings","confidence":"high","bullets":["Net income $29M vs net loss of $36M in Q3 2025; diluted EPS $0.05 (adjusted $0.06).","Net interest margin up 23 bps QoQ to 2.14%; net interest income rose 10% to $467M.","C&I commitments surged 28% to $3.0B; total C&I loans up $343M (+2% QoQ).","Provision for credit losses fell 92% to $3M; net charge-offs improved to 0.30% of avg loans.","Full-year 2025 net loss of $177M vs $1,118M in 2024; CRE concentration ratio improved to 381%."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132212,"accession_number":"0000910073-25-000177","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-11-03T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Flagstar Bank director Brian Callanan resigns from board effective Nov 2, 2025","event_type":"leadership","confidence":"high","bullets":["Brian R. Callanan resigned as director of Flagstar Bank, N.A., effective November 2, 2025.","Resignation was not due to any disagreement with the Bank's operations, policies, or practices.","No replacement named; the Bank's board composition changes with this departure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132211,"accession_number":"0000910073-25-000173","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Bank files 8-K with Q3 2025 earnings presentation; no financial details disclosed in exhibit","event_type":"earnings","confidence":"low","bullets":["Exhibit 99.1 is titled 'Third Quarter 2025 Results' but contains only a cover slide with no financial data.","Presentation to be distributed and posted on Flagstar's website starting October 24, 2025.","No specific EPS, revenue, loan metrics, or guidance figures are included in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132210,"accession_number":"0000910073-25-000172","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Flagstar Bank Q3 net loss narrows to $0.11/share; NIM improves to 1.91%","event_type":"earnings","confidence":"high","bullets":["Net loss attributable to common stockholders of $45M ($0.11/diluted share); adjusted loss $0.07/share, improved from Q2 loss of $0.19/share.","Net interest margin rose 10bps to 1.91% for third consecutive quarterly improvement; provision for credit losses fell 41% to $38M.","C&I loans grew $448M or 3% linked quarter; new commitments up 26% to $2.4B, originations up 41% to $1.7B.","CRE par payoffs of $1.3B (42% substandard); criticized/classified loans down $2.8B or 19% year-to-date.","Completed holding company reorganization Oct 17 to simplify structure and reduce expenses; CET1 capital ratio improved to 12.45%."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132209,"accession_number":"0000910073-25-000149","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-20T23:59:59+00:00","items":["1.01","2.01","2.03","3.01","3.02","3.03","5.01","5.02","8.01","9.01"],"status":"ready","headline":"Flagstar Bank completes holding company reorganization; Flagstar Financial merges into bank","event_type":"other_material","confidence":"high","bullets":["Flagstar Financial Inc. merged into subsidiary Flagstar Bank, N.A.; bank is now the public company.","Common stock continues trading on NYSE under symbol 'FLG' starting Oct 20, 2025.","Reorganization simplifies corporate structure, reduces regulatory burden, lowers operating expenses.","As of June 30, 2025, consolidated assets $92.2B, loans $64.4B, deposits $69.7B, equity $8.1B.","Directors and executive officers remain unchanged; no impact on customer accounts or operations."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132214,"accession_number":"0000910073-25-000135","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Flagstar Financial Shareholders Approve Internal Merger with Bank Subsidiary and Federal Savings Conversion","event_type":"m_and_a","confidence":"high","bullets":["Shareholders voted 323,484,538 in favor (99.8% of votes cast) to approve merger of Company into wholly-owned subsidiary Flagstar Bank, N.A.","Shareholders also approved conversion of Company into interim federal savings association with 323,457,796 for and 724,931 against.","Meeting quorum was 78.11% of outstanding shares (324,632,828 of 415,561,180) represented.","Adjournment proposal became moot after both merger and conversion proposals were approved.","There were zero broker non-votes on the two main proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132213,"accession_number":"0000910073-25-000129","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-10-07T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Flagstar Financial receives OCC approval to merge into its bank; vote Oct 15, close mid-late Oct","event_type":"regulatory","confidence":"high","bullets":["OCC approved reorganization on Oct 3, 2025; Flagstar Financial will merge into Flagstar Bank, N.A.","Shareholder special meeting scheduled for Oct 15, 2025; expected close in mid-to-late October.","Surviving bank will keep ticker FLG on NYSE; no change in trading symbol.","As of June 30, 2025: $92.2B assets, $64.4B loans, $69.7B deposits, $8.1B equity.","Approximately 360 branches across nine states; strong presence in NY/NJ, Midwest, Florida, West Coast."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148784,"accession_number":"0000910073-25-000125","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-08-26T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Financial sets October 15, 2025 for Special Meeting of Shareholders; record date August 18, 2025","event_type":"other_material","confidence":"high","bullets":["Special Meeting to be held on October 15, 2025 at 10:00 a.m. ET via live virtual webcast only.","Record date for voting eligibility is August 18, 2025.","Proxy statement and notice filed with SEC; details at ir.flagstar.com.","Purpose of meeting not disclosed in this filing; shareholders should review proxy statement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148783,"accession_number":"0000910073-25-000121","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-08-22T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Flagstar secures voting agreements from ~35% holders for merger with bank subsidiary","event_type":"m_and_a","confidence":"high","bullets":["Liberty, Hudson Bay, and Reverence, holding ~35.05% of common stock, agreed to vote for merger and conversion at Oct 15 special meeting.","Amended merger agreement clarifies treatment of Series D warrant holders; warrants convert into Bank Common Stock or Series D.","Special meeting of shareholders scheduled for October 15, 2025 to vote on proposals.","Merger is internal reorganization; Flagstar Financial to merge into Flagstar Bank, N.A. with Bank surviving."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148782,"accession_number":"0000910073-25-000105","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-07-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Flagstar Financial posts Q2 2025 earnings presentation; no financial details in excerpt","event_type":"earnings","confidence":"low","bullets":["Presentation titled 'Second Quarter 2025 Results' made available on July 25, 2025.","Full financial data not provided in the extracted exhibit text.","Company intends to distribute and post the presentation on its website."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148781,"accession_number":"0000910073-25-000104","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Flagstar Q2 2025 net loss $0.19/share; adjusted loss $0.14; C&I originations up 57%","event_type":"earnings","confidence":"high","bullets":["Net loss attributable to common stockholders of $78M ($0.19/diluted share); adjusted net loss $60M ($0.14/diluted share).","C&I loan originations rose 57% to $1.2B; new commitments increased 80% to $1.9B linked-quarter.","Net interest margin improved 7 bps to 1.81%; adjusted PPNR turned positive to $9M from -$23M.","Company announces plans to eliminate bank holding company by merging into Flagstar Bank, N.A.","Criticized assets down 15% YTD; CRE exposure reduced 5% linked-quarter via $1.5B par payoffs."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148780,"accession_number":"0000910073-25-000097","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Flagstar Financial to merge into bank subsidiary, eliminating holding company structure","event_type":"other_material","confidence":"high","bullets":["Company (FLG) will merge into Flagstar Bank, N.A.; Bank survives, retains name and NYSE ticker FLG.","Reorganization subject to shareholder vote and regulatory approvals; expected close before year-end 2025.","CEO Joseph Otting says move reduces costs, simplifies structure, accelerates mission.","At March 31, 2025, Flagstar had $97.6B assets, $73.9B deposits, $8.2B equity.","No change in stock rights; shares convert into equivalent Bank shares; tax-free under Section 368(a)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148779,"accession_number":"0000910073-25-000092","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-07-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Flagstar enters employment agreement with President Raffetto: $700k base, $700k target bonus","event_type":"other_material","confidence":"high","bullets":["Annual base salary of $700,000 and target annual cash bonus of $700,000.","Eligible for long-term equity awards starting in fourth year of employment.","Company will pay Raffetto's relocation costs to the NYC metropolitan area.","Upon termination without cause or for good reason, gets 3 years' base salary plus target bonus lump sum.","Post-employment covenants: 12-month non-solicitation, 6-month non-compete, perpetual confidentiality."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":167662,"accession_number":"0000910073-25-000087","cik":910073,"company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG","form_type":"8-K","filed_at":"2025-06-06T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Flagstar Financial shareholders elect three directors, ratify KPMG, approve say-on-pay","event_type":"other_material","confidence":"high","bullets":["Directors Callanan, Lux, and Puwalski elected with at least 267M votes each; 68.9M broker non-votes.","KPMG ratified as auditor for FY2025: 359.1M for, 3.1M against, no broker non-votes.","Non-binding say-on-pay approved 260.5M for vs 32.1M against; 68.9M broker non-votes.","Total shares outstanding 415.1M; 362.9M shares voted, achieving quorum."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}