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%.

item 2.02 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.9

FLAGSTAR BANK, NATIONAL ASSOCIATION reported the quarter ended March 31, 2026 results: net income $13 million, EPS $0.03 per diluted share.

Period: the quarter ended March 31, 2026
Net income: $13 million
EPS: $0.03 per diluted share
Result: reported results

Exact text from the filing

First quarter 2026 net income attributable to common stockholders was $13 million, or $0.03 per diluted share, compared to net income attributable to common stockholders of $21 million, or $0.05 per diluted share in fourth quarter 2025 and compared to a net loss attributable to common stockholders of $108 million, or $0.26 per diluted share in first quarter 2025.

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Source: SEC EDGAR

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