---
schema_version: "secwatch.filing_event.v1"
accession: "0000910073-26-000035"
form_type: "8-K"
ticker: "FLG"
cik: "0000910073"
company_name: "FLAGSTAR BANK, NATIONAL ASSOCIATION"
filed_at: "2026-04-24T23:59:59+00:00"
generated_at: "2026-05-15T04:21:50.608033+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0000910073-26-000035
- form_type: 8-K
- ticker: FLG
- cik: 0000910073
- company_name: FLAGSTAR BANK, NATIONAL ASSOCIATION
- filed_at: 2026-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/910073/000091007326000035/0000910073-26-000035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/910073/000091007326000035/nycb-20260424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-26-000035
- JSON: https://secwatch.observer/filing/0000910073-26-000035.json
- Plain text: https://secwatch.observer/filing/0000910073-26-000035.txt

## Key facts
- Earnings Releases
  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
  source text: 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.
  evidence_url: https://www.sec.gov/Archives/edgar/data/910073/000091007326000035/0000910073-26-000035-index.htm

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