Flagstar Bank Q1 2026 net income $13M ($0.03 GAAP); adjusted EPS $0.04; C&I loans up 9% QoQ

FLAGSTAR BANK, NATIONAL ASSOCIATION

2026-Q1 EPS reported $0.03

Net income attributable to common stockholders $13M ($0.03 diluted); adjusted net income $20M ($0.04).
C&I loans grew $1.4B (9% linked-quarter) to $16.6B, with broad-based growth across strategic areas.
Non-accrual loans declined 11% ($323M) QoQ; criticized/classified loans down 3%.
CET1 capital ratio improved to 13.24% (up 40 bps); excess capital of $1.6B.
NIM 2.15%, up 1 bps QoQ (up 10 bps excluding hedge gain); operating expenses down 5%.

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