---
schema_version: "secwatch.filing_event.v1"
accession: "0000910073-26-000065"
form_type: "8-K"
ticker: "FLG"
cik: "0000910073"
company_name: "FLAGSTAR BANK, NATIONAL ASSOCIATION"
filed_at: "2026-07-24T10:08:02+00:00"
generated_at: "2026-07-24T10:10:13.597442+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Flagstar Bank Q2 net income $0.06/diluted share; announces $250M buyback

## Summary
- Net income attributable to common stockholders $26M ($0.06/diluted) vs $13M ($0.03) in Q1 2026 and net loss of $78M ($0.19) in Q2 2025.
- Pre-provision net revenue (PPNR) of $66M, up 106% from $32M in Q1 2026; adjusted PPNR $62M, up 51%.
- Operating expenses down 3% QoQ to $427M; positive operating leverage of 7%.
- CET1 capital ratio 13.16%; Board authorized $250M common stock repurchase program over 12 months.
- C&I loans grew $2.0B (12% QoQ) to $18.6B; total deposits up $689M; net interest margin 2.13%.

## SEC filing metadata
- accession: 0000910073-26-000065
- form_type: 8-K
- ticker: FLG
- cik: 0000910073
- company_name: FLAGSTAR BANK, NATIONAL ASSOCIATION
- filed_at: 2026-07-24T10:08:02+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/910073/000091007326000065/0000910073-26-000065-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/910073/000091007326000065/nycb-20260724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-26-000065
- JSON: https://secwatch.observer/filing/0000910073-26-000065.json
- Plain text: https://secwatch.observer/filing/0000910073-26-000065.txt

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