Flagstar Bank Q3 net loss narrows to $0.11/share; NIM improves to 1.91%

FLAGSTAR BANK, NATIONAL ASSOCIATION

2025-Q3 EPS reported -$0.56

Net loss attributable to common stockholders of $45M ($0.11/diluted share); adjusted loss $0.07/share, improved from Q2 loss of $0.19/share.
Net interest margin rose 10bps to 1.91% for third consecutive quarterly improvement; provision for credit losses fell 41% to $38M.
C&I loans grew $448M or 3% linked quarter; new commitments up 26% to $2.4B, originations up 41% to $1.7B.
CRE par payoffs of $1.3B (42% substandard); criticized/classified loans down $2.8B or 19% year-to-date.
Completed holding company reorganization Oct 17 to simplify structure and reduce expenses; CET1 capital ratio improved to 12.45%.

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