---
schema_version: "secwatch.filing_event.v1"
accession: "0000910073-26-000017"
form_type: "8-K"
ticker: "FLG"
cik: "0000910073"
company_name: "FLAGSTAR BANK, NATIONAL ASSOCIATION"
filed_at: "2026-01-30T23:59:59+00:00"
generated_at: "2026-05-16T06:12:50.229350+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Flagstar returns to profitability in Q4 2025 with EPS $0.05; NIM expands 23 bps to 2.14%

## Summary
- Net income $29M vs net loss of $36M in Q3 2025; diluted EPS $0.05 (adjusted $0.06).
- Net interest margin up 23 bps QoQ to 2.14%; net interest income rose 10% to $467M.
- C&I commitments surged 28% to $3.0B; total C&I loans up $343M (+2% QoQ).
- Provision for credit losses fell 92% to $3M; net charge-offs improved to 0.30% of avg loans.
- Full-year 2025 net loss of $177M vs $1,118M in 2024; CRE concentration ratio improved to 381%.

## SEC filing metadata
- accession: 0000910073-26-000017
- form_type: 8-K
- ticker: FLG
- cik: 0000910073
- company_name: FLAGSTAR BANK, NATIONAL ASSOCIATION
- filed_at: 2026-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/910073/000091007326000017/0000910073-26-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/910073/000091007326000017/nycb-20260130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-26-000017
- JSON: https://secwatch.observer/filing/0000910073-26-000017.json
- Plain text: https://secwatch.observer/filing/0000910073-26-000017.txt

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