Flagstar Q2 2025 net loss $0.19/share; adjusted loss $0.14; C&I originations up 57%

FLAGSTAR BANK, NATIONAL ASSOCIATION

2025-Q2 EPS reported -$0.45

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.

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