---
schema_version: "secwatch.filing_event.v1"
accession: "0000910073-25-000172"
form_type: "8-K"
ticker: "FLG"
cik: "0000910073"
company_name: "FLAGSTAR BANK, NATIONAL ASSOCIATION"
filed_at: "2025-10-24T23:59:59+00:00"
generated_at: "2026-05-17T02:24:25.845692+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0000910073-25-000172
- form_type: 8-K
- ticker: FLG
- cik: 0000910073
- company_name: FLAGSTAR BANK, NATIONAL ASSOCIATION
- filed_at: 2025-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/910073/000091007325000172/0000910073-25-000172-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/910073/000091007325000172/nycb-20251024.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-25-000172
- JSON: https://secwatch.observer/filing/0000910073-25-000172.json
- Plain text: https://secwatch.observer/filing/0000910073-25-000172.txt

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