---
schema_version: "secwatch.filing_event.v1"
accession: "0000910073-25-000104"
form_type: "8-K"
ticker: "FLG"
cik: "0000910073"
company_name: "FLAGSTAR BANK, NATIONAL ASSOCIATION"
filed_at: "2025-07-25T23:59:59+00:00"
generated_at: "2026-05-18T01:50:08.407417+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000910073-25-000104
- form_type: 8-K
- ticker: FLG
- cik: 0000910073
- company_name: FLAGSTAR BANK, NATIONAL ASSOCIATION
- filed_at: 2025-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/910073/000091007325000104/0000910073-25-000104-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/910073/000091007325000104/nycb-20250725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-25-000104
- JSON: https://secwatch.observer/filing/0000910073-25-000104.json
- Plain text: https://secwatch.observer/filing/0000910073-25-000104.txt

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