Flagstar Bank completes holding company reorganization; Flagstar Financial merges into bank

FLAGSTAR BANK, NATIONAL ASSOCIATION

Flagstar Financial Inc. merged into subsidiary Flagstar Bank, N.A.; bank is now the public company.
Common stock continues trading on NYSE under symbol 'FLG' starting Oct 20, 2025.
Reorganization simplifies corporate structure, reduces regulatory burden, lowers operating expenses.
As of June 30, 2025, consolidated assets $92.2B, loans $64.4B, deposits $69.7B, equity $8.1B.
Directors and executive officers remain unchanged; no impact on customer accounts or operations.

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