Flagstar Bank, National Association filings document the bank's public-company reporting as a national bank with NYSE-listed common stock, Bifurcated Option Note Unit Securities, and depositary shares tied to Series A noncumulative perpetual preferred stock. Current reports record quarterly operating results, Regulation FD presentations, annual-meeting notices, and board changes.
Proxy materials cover director elections, governance, executive compensation, shareholder meeting procedures, and pay-versus-performance disclosures. The filing record also identifies capital-structure matters for common and preferred securities, material-event exhibits, and risk-related disclosure categories tied to the bank's regional banking, lending, deposit, and funding activities.
Flagstar Bank, National Association (FLG) reported third-quarter 2026 net income of $12 million and net income attributable to common stockholders of $3 million, or $0.01 per diluted share. Common-stockholder earnings were $26 million, or $0.06 per diluted share, in the prior quarter and a $45 million loss, or $0.11 loss per diluted share, a year earlier.
Net interest income rose 5% quarter over quarter to $460 million, and net interest margin increased four basis points to 2.17%. Total loans held for investment reached $61.9 billion, up $958 million; commercial and industrial loans grew $2.0 billion, or 11%, to $20.6 billion. Deposits were $67.8 billion, up $299 million. The credit-loss provision rose to $76 million from $18 million in the second quarter, while criticized and classified loans increased 6%.
The bank completed a $250 million share repurchase in early October and reported a 12.38% CET1 ratio. It shifted its long-term strategic objectives from 2027 to 2028, citing a higher-for-longer interest-rate environment. The bank also cited deposit competition and rent-regulation effects on credit costs in its New York City multifamily portfolio.
Flagstar Bank, National Association (FLG) EVP & Princ Accounting Officer Bryan Marx surrendered 2,701 shares of common stock to the issuer on October 15, 2026, to cover tax obligations on shares whose restrictions had lapsed. He directly held 85,963 shares afterward; that total includes service-based restricted stock units that will vest over time.
Flagstar Bank, National Association (FLG) reported that George Buchanan, EVP and Chief Risk Officer, surrendered 6,643 shares to the issuer on October 15, 2026, to cover tax obligations on shares whose restrictions had lapsed. He directly held 149,533 shares after the transaction; that total includes service-based restricted stock units that will vest in shares over time.
Picton Mahoney Asset Management, a Canadian investment fund manager, reported beneficial ownership of Flagstar Bank, National Association’s Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock on a Schedule 13G. The position totals 1,040,009 shares, representing 5.05% of this preferred class.
Picton Mahoney has sole voting and sole dispositive power over all 1,040,009 shares, with no shared voting or dispositive power. The filing notes that the percentage is based on 416,815,122 outstanding shares as of April 30, 2026, as disclosed by the issuer. The certification is signed by Ahsan Ahmed, Chief Compliance Officer, on August 11, 2026.
Hudson Bay Capital Management LP and Sander Gerber report beneficial ownership of Flagstar Bank, National Association common stock on a passive basis. They report beneficial ownership of 9,734,256 shares of common stock, representing 2.34% of the class, with no sole voting or dispositive power and shared voting and dispositive power over all such shares.
The ownership percentage is based on 416,815,122 shares of common stock outstanding as of June 18, 2026, as reported by the company. Mr. Gerber disclaims beneficial ownership of the securities held through the investment entities managed by Hudson Bay.
Flagstar Bank, National Association reported net income of $34 million for the quarter ended June 30, 2026 and $55 million for the first six months of 2026, compared with a net loss of $170 million a year earlier. Net income attributable to common stockholders was $39 million year-to-date, or $0.08 per diluted share. Net interest income rose to $883 million for the first half as net interest margin increased to 2.14% from 1.77%, helped by lower funding costs and reduced higher‑cost deposits and borrowings. The provision for credit losses fell to $18 million from $143 million, and non‑interest expense declined to $916 million from $1,045 million, reflecting lower FDIC insurance, compensation and general expenses and the absence of merger‑related costs.
As of June 30, 2026, Flagstar had $87.7 billion of assets, $61.2 billion of loans, $67.5 billion of deposits, and stockholders’ equity of $8.1 billion. The loan mix shifted toward commercial and industrial lending, which increased 22% to $18.6 billion, while multi‑family and commercial real estate balances fell 7% and 11%, respectively. Non‑accrual loans decreased to $2.8 billion, or 4.59% of total loans, and non‑performing assets were 3.20% of total assets; 30–89 day delinquencies declined 63%, although $51 million of loans were 90 days or more past due and still accruing. The allowance for credit losses was $869 million, or 1.42% of total loans. Flagstar noted credit risk from New York City rent regulation, with $12.8 billion of multi‑family loans secured by rent‑regulated properties, and is reducing this concentration. Capital remained strong, with a common equity tier 1 ratio of 13.16% and total risk‑based capital of 16.58%, while total liquidity of $27.2 billion exceeded uninsured deposits of $14.5 billion by $12.7 billion.
Flagstar Bank, N.A. reported second quarter 2026 net income of $34 million, with net income attributable to common stockholders of $26 million or $0.06 per diluted share, compared with a net loss attributable to common stockholders of $78 million or $(0.19) per share a year earlier. Adjusted net income attributable to common stockholders was $23 million or $0.05 per share. Pre-provision net revenue rose to $66 million (adjusted $62 million), helped by higher non-interest income and a 3% decline in operating expenses, while net interest margin was relatively stable at 2.13%.
Total loans and leases held for investment were $60,987 million at June 30, 2026, including a $2.0 billion (12%) quarter-over-quarter increase in C&I loans to $18.6 billion, and total deposits increased to $67,521 million, with core deposits up $644 million. Credit trends were mixed: criticized and substandard loans declined, but non-accrual loans rose 5% quarter over quarter and net charge-offs reached $100 million, or 0.66% of average loans. The total allowance for credit losses was $925 million, or 1.52% of total loans held for investment. Capital remained strong with a common equity tier 1 ratio of 13.16% and an estimated $1.6 billion of excess capital. The board authorized a common stock repurchase program for up to $250 million over 12 months, and management provided 2026–2027 guidance including diluted adjusted EPS of $0.40–$0.50 for 2026 and $1.60–$1.70 for 2027.
FLAGSTAR BANK, NATIONAL ASSOCIATION executive Bryan Marx, EVP & Principal Accounting Officer, reported a tax-withholding disposition of 1,259 shares of common stock on July 15, 2026. The shares were surrendered to the issuer to cover tax obligations when restrictions on previously awarded stock lapsed. Marx now holds 88,664 shares directly, including restricted stock units that will vest over time.
Flagstar Bank, N.A. reports that shareholders approved all proposals at the 2026 annual meeting, including an amendment to the 2020 Omnibus Incentive Plan that increases common shares reserved for equity awards by 12,000,000. Eight directors were elected to one-year terms, KPMG LLP was ratified as independent auditor for the year ending December 31, 2026, and a non-binding advisory vote approved compensation for named executive officers. About 347,190,027 shares were represented, and the bank notes that nearly 90% of total shares outstanding were voted. Flagstar highlights progress in financial performance, risk management, and governance, and reports March 31, 2026 balances of $87.1 billion in assets, $60.7 billion in loans, $66.8 billion in deposits, and $8.1 billion in total stockholders’ equity.
FLAGSTAR BANK, NATIONAL ASSOCIATION executive chairman and CEO Joseph M. Otting reported an equity compensation award of common stock. He acquired 749,625 shares of Common Stock on May 18, 2026 at a stated price of $0.00 per share, reflecting a grant or award rather than an open-market purchase.
Following this award, Otting directly holds 1,041,499 shares of Common Stock. A footnote explains that the reported holdings include service-based restricted stock units that will vest into shares of Flagstar’s common stock over time, highlighting that part of his position is tied to continued service and future vesting.