secwatch.observer — SEC 8-K summary
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Issuer:     FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG)
CIK:        0000910073
Form:       8-K
Filed at:   2026-04-24T23:59:59+00:00
Accession:  0000910073-26-000035
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/910073/000091007326000035/0000910073-26-000035-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/910073/000091007326000035/nycb-20260424.htm
  HTML page:      https://secwatch.observer/filing/0000910073-26-000035

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer