Welcome to our dedicated page for Flagstar Bank, National Association SEC filings (Ticker: FLG), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Regional bank SEC filings can be dense with regulatory capital disclosures, loan portfolio details, and complex accounting for credit losses. Flagstar Bank's (FLG) regulatory documents reveal how this financial institution manages its balance sheet across consumer banking, commercial lending, and wealth management operations.
Flagstar's 10-K annual reports detail the bank's loan composition, including residential mortgages, commercial real estate, and C&I loans. These filings break down interest income by loan category and explain the factors driving net interest margin. The risk management sections describe credit quality metrics and allowance for loan losses that inform the bank's financial health.
Quarterly 10-Q filings track Flagstar's performance between annual reports, showing trends in deposit growth, loan originations, and fee income from wealth management services. For banking stocks, these quarterly updates provide critical insight into credit quality trends and capital adequacy ratios required by federal regulators.
Form 4 insider transaction filings show when Flagstar executives and directors buy or sell shares, offering signals about insider confidence in the bank's direction. Our AI summarizes these transactions so you can quickly identify meaningful insider activity without parsing multiple SEC forms.
8-K filings announce material events including dividend declarations, earnings releases, corporate restructurings, and regulatory approvals. Flagstar's 8-K history documents significant corporate events like its holding company reorganization. Proxy statements (DEF 14A) disclose executive compensation and governance matters for shareholders.
Flagstar Bank, National Association director reported acquiring additional common stock in a personal capacity. On 01/02/2026, the reporting person acquired 7,968 shares of Flagstar Bank common stock at a stated price of $0 per share, increasing their holdings.
After this transaction, the director beneficially owned a total of 48,015 shares of common stock. This total includes service-based restricted stock units that will vest into shares of Flagstar Bank common stock over time.
Flagstar Bank, National Association director reported acquiring additional common stock through an equity award. On 01/02/2026, the reporting person acquired 7,968 shares of common stock at a price of $0, indicating this was likely a grant rather than an open-market purchase. Following this transaction, the reporting person beneficially owned 57,345 shares of Flagstar Bank common stock in direct ownership.
The total reported holdings include service-based restricted stock units that will vest into shares of common stock over time, so the full amount is not yet fully vested but represents the director’s combined current and time-vested equity position in the company.
Flagstar Bank, National Association reported an equity award to one of its directors. On 01/02/2026, the director acquired 15,936 shares of the company’s common stock at a price of $0 per share, indicating a grant rather than an open-market purchase. Following this transaction, the director beneficially owned 50,792 shares, held directly.
The total beneficial ownership includes service-based restricted stock units that are scheduled to vest into shares of common stock over time, tying a portion of the director’s compensation to the company’s future performance and ongoing service.
Flagstar Bank, National Association reported an insider equity transaction by a director. On 01/02/2026, the director acquired 11,952 shares of common stock in a transaction priced at $0 per share, indicating an award or grant rather than an open‑market purchase. After this transaction, the director beneficially owned 56,524 shares of Flagstar Bank common stock. The total includes service-based restricted stock units that are scheduled to vest in shares of the company’s common stock over time.
Flagstar Bank, National Association’s Senior Executive Vice President and Chief Financial Officer reported an insider equity transaction involving company common stock. On 12/27/2025, the executive surrendered 16,094 shares of common stock to the issuer to cover tax obligations on shares for which restrictions had lapsed. The form shows a transaction code "F," indicating a tax-related withholding event rather than an open-market sale.
After this transaction, the executive beneficially owned 604,280 shares of common stock directly, as well as 48,967 shares held indirectly under a stock award granted on December 1, 2022 and 4,888 shares held indirectly under a stock award dated March 24, 2023. These stock awards are scheduled to vest in the future under the company’s equity incentive plans.
Flagstar Bank, National Association executive SEVP & President of Consumer Banking reported an equity transaction involving company common stock. On December 1, 2025, the officer surrendered 6,138 shares of common stock back to the issuer at a stated price of $0 to cover tax obligations on previously restricted shares whose restrictions had lapsed. After this withholding transaction, the officer directly beneficially owns 41,576 common shares.
In addition to the directly held shares, the officer reports indirect ownership through stock awards. One stock award account holds 27,566 shares granted on December 1, 2022 under the issuer’s 2016 Stock Award and Incentive Plan, which will vest in two approximately equal annual installments starting on December 1, 2026. Another stock award account holds 3,129 shares from a grant dated March 24, 2023 under the 2020 Omnibus Incentive Plan, scheduled to vest on March 24, 2026.
Flagstar Bank, National Association executive vice president and chief financial officer reported a routine share transaction. On December 1, 2025, 10,674 shares of common stock were surrendered to the company to cover tax obligations related to previously restricted shares whose restrictions lapsed. No sale proceeds were received, as the price is listed as $0.
After this tax-withholding transaction, the officer directly holds 620,374 shares of Flagstar common stock. In addition, the officer has indirect ownership through stock awards of 48,967 shares under a December 1, 2022 award, which will continue vesting in two annual installments starting December 1, 2026, and 4,888 shares under a March 24, 2023 award scheduled to vest on March 24, 2026.
Flagstar Bank, National Association filed a post-effective amendment to a Form S-1 that continues the registration of 277,656,287 shares of common stock and 314,954 warrants originally registered by its predecessor, Flagstar Financial, Inc.
The amendment reflects an internal reorganization completed on October 17, 2025, in which Flagstar Financial merged into Flagstar Bank, with the bank becoming the publicly traded entity. Each share of predecessor common stock was converted into one share of Flagstar Bank common stock, and existing warrants were adjusted so they now entitle holders to Flagstar Bank common stock or preferred stock on substantially the same terms, subject to existing limits. Flagstar Bank becomes the successor issuer under Exchange Act Rule 12g-3, adopts the prior registration statement for all Exchange Act and OCC Part 16 purposes, and outlines its indemnification and insurance framework for directors and other institution-affiliated parties, subject to banking law and SEC public policy limits.
Flagstar Bank (FLG)$36 million for the quarter ended September 30, 2025, improving from a $70 million loss in the prior quarter. Loss attributable to common stockholders was $45 million, or $0.11 per diluted share. For the first nine months of 2025, net loss was $206 million versus $930 million a year earlier; loss to common stockholders was $231 million, or $0.56 per diluted share, compared with $957 million and $3.16 per share in 2024.
At September 30, 2025, Flagstar reported $91.7 billion in assets, $63.2 billion in loans, $69.2 billion in deposits, and total stockholders’ equity of $8.1 billion. The company became the successor reporting entity on October 17, 2025 following an internal reorganization that merged Flagstar Financial, Inc. into Flagstar Bank, N.A., with capital stock and warrants converting into substantially equivalent Bank securities. Common shares outstanding were 415,755,877 as of October 31, 2025.
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