Flagstar Q1 GAAP loss $0.26/diluted; C&I originations up 42% QoQ, NIM stabilizes

FLAGSTAR BANK, NATIONAL ASSOCIATION

2026-Q1 EPS reported -$0.26 vs consensus $0.03 ▼ miss (-895.1%)

Net loss attributable to common stockholders $108M ($0.26/diluted); adjusted net loss $94M ($0.23/diluted).
NIM stabilized at 1.74% (+1bp QoQ); net interest income $410M (-11% QoQ).
Provision for credit losses down $66M QoQ; net charge-offs $115M (-48% QoQ) to 0.68% annualized of avg loans.
C&I originations $769M (+42% QoQ); added 15 bankers, plans 80-90 more in 2025.
Total ACL 1.82% of loans; non-accrual HFI 4.93% (up from 3.83%) mainly due to one relationship.

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