---
schema_version: "secwatch.filing_event.v1"
accession: "0000910073-25-000149"
form_type: "8-K"
ticker: "FLG"
cik: "0000910073"
company_name: "FLAGSTAR BANK, NATIONAL ASSOCIATION"
filed_at: "2025-10-20T23:59:59+00:00"
generated_at: "2026-05-17T03:19:50.486800+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000910073-25-000149
- form_type: 8-K
- ticker: FLG
- cik: 0000910073
- company_name: FLAGSTAR BANK, NATIONAL ASSOCIATION
- filed_at: 2025-10-20T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 1.01, 2.01, 2.03, 3.01, 3.02, 3.03, 5.01, 5.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/910073/000091007325000149/0000910073-25-000149-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/910073/000091007325000149/nycb-20251017.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-25-000149
- JSON: https://secwatch.observer/filing/0000910073-25-000149.json
- Plain text: https://secwatch.observer/filing/0000910073-25-000149.txt

## Key facts
- Debt Financings
  FLAGSTAR BANK, NATIONAL ASSOCIATION amended senior notes of 5.90% Fixed-to-Floating Rate Notes due 2028 with Wilmington Trust, National Association at 5.90% Fixed-to-Floating maturing 2028.
  - Instrument: senior notes
  - Principal: 5.90% Fixed-to-Floating Rate Notes due 2028
  - Counterparty: Wilmington Trust, National Association
  - Rate: 5.90% Fixed-to-Floating
  - Maturity: 2028
  - Event: amendment
  source text: The Bank has entered into a second supplemental indenture, dated as of October 17, 2025 (the “ Second Supplemental Indenture ”), with the Predecessor and Wilmington Trust, National Association (“ Wilmington Trust, N.A. ”), as Trustee. By the terms of the Second Supplemental Indenture, the Bank assumed the due and punctual payment of the principal of (and premium, if any) and interest on all of the Predecessor’s 5.90% Fixed-to-Floating Rate Notes due 2028 and the performance or observance of every covenant of the indenture, dated as of November 6, 2018, as supplemented by the first supplemental indenture, dated as of November 6, 2018, on the part of the Predecessor to be performed or observed.
  evidence_url: https://www.sec.gov/Archives/edgar/data/910073/000091007325000149/0000910073-25-000149-index.htm
- Debt Financings
  FLAGSTAR BANK, NATIONAL ASSOCIATION amended senior notes of 4.125% Fixed-to-Floating Rate Notes due 2030 with Wilmington Trust, National Association at 4.125% Fixed-to-Floating maturing 2030.
  - Instrument: senior notes
  - Principal: 4.125% Fixed-to-Floating Rate Notes due 2030
  - Counterparty: Wilmington Trust, National Association
  - Rate: 4.125% Fixed-to-Floating
  - Maturity: 2030
  - Event: amendment
  source text: The Bank has also entered into a third supplemental indenture, dated as of October 17, 2025 (the “ Third Supplemental Indenture ”), with the Predecessor and Wilmington Trust, N.A., as Trustee. By the terms of the Third Supplemental Indenture, the Bank assumed the due and punctual payment of the principal of (and premium, if any) and interest on all of the Predecessor’s 4.125% Fixed-to-Floating Rate Notes due 2030 and the performance or observance of every covenant of the indenture, dated as of October 28, 2020, as supplemented by the first supplemental indenture, dated as of October 28, 2020, and the second supplemental indenture, dated as of December 1, 2022, on the part of the Predecessor to be performed or observed.
  evidence_url: https://www.sec.gov/Archives/edgar/data/910073/000091007325000149/0000910073-25-000149-index.htm

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