---
schema_version: "secwatch.filing_event.v1"
accession: "0000910073-25-000006"
form_type: "8-K"
ticker: "FLG"
cik: "0000910073"
company_name: "FLAGSTAR BANK, NATIONAL ASSOCIATION"
filed_at: "2025-01-30T23:59:59+00:00"
generated_at: "2026-05-27T06:15:42.437458+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Flagstar Q4 GAAP net loss $0.41/diluted share; CET1 ratio improves to 11.9%, credit trends stabilizing

## Summary
- GAAP net loss attributable to common stockholders of $0.41 per diluted share; adjusted net loss $0.34 per diluted share.
- CET1 capital ratio improved to 11.9%, at or above peer group levels; book value per share $18.54.
- Provision for credit losses fell 55% to $108M; net charge-offs declined 8% QoQ to $222M.
- Total assets $100.2B, down 12% YoY; wholesale borrowings reduced $5.9B (31%) to $13.4B.
- Retail and Private Bank deposits each up 3% sequentially; commercial lending had $620M in new commitments.

## SEC filing metadata
- accession: 0000910073-25-000006
- form_type: 8-K
- ticker: FLG
- cik: 0000910073
- company_name: FLAGSTAR BANK, NATIONAL ASSOCIATION
- filed_at: 2025-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/910073/000091007325000006/0000910073-25-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/910073/000091007325000006/nycb-20250130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-25-000006
- JSON: https://secwatch.observer/filing/0000910073-25-000006.json
- Plain text: https://secwatch.observer/filing/0000910073-25-000006.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.