---
schema_version: "secwatch.filing_event.v1"
accession: "0000910073-25-000070"
form_type: "8-K"
ticker: "FLG"
cik: "0000910073"
company_name: "FLAGSTAR BANK, NATIONAL ASSOCIATION"
filed_at: "2025-04-25T23:59:59+00:00"
generated_at: "2026-05-23T06:32:58.510208+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000910073-25-000070
- form_type: 8-K
- ticker: FLG
- cik: 0000910073
- company_name: FLAGSTAR BANK, NATIONAL ASSOCIATION
- filed_at: 2025-04-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/910073/000091007325000070/0000910073-25-000070-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/910073/000091007325000070/nycb-20250425.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-25-000070
- JSON: https://secwatch.observer/filing/0000910073-25-000070.json
- Plain text: https://secwatch.observer/filing/0000910073-25-000070.txt

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