Every 10-Q that Flagstar Bank, National Association (FLG) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow FLG and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FLG filings page.
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, National Association reported net income of $21 million for the quarter ended March 31, 2026, compared with a net loss of $100 million a year earlier. Earnings attributable to common stockholders were $13 million, or $0.03 per diluted share, versus a loss of $0.26 per share.
Net interest income rose to $443 million from $410 million, and net interest margin improved to 2.15% from 1.74%, helped by paydowns of higher-cost deposits and borrowings and reinvestment into higher-yielding assets. The provision for credit losses was zero, down from $79 million a year ago, reflecting reductions in higher-risk multifamily and commercial real estate portfolios and lower net charge-offs.
Non-interest income declined to $55 million from $80 million, mainly due to a $9 million loss on the investment in Figure Technology Solutions and lower loan sale gains. Non-interest expense fell to $466 million from $532 million on lower FDIC insurance, compensation, and merger-related costs.
At March 31, 2026, Flagstar had $87.1 billion of assets, $60.7 billion of loans, $66.8 billion of deposits, and $8.1 billion of stockholders’ equity. Non-accrual loans were $2.68 billion, or 4.43% of loans, down 10% from year-end, largely due to resolving a single large bankruptcy. The common equity tier 1 capital ratio was a strong 13.23%, and total liquidity of $27.3 billion exceeded $13.6 billion of uninsured deposits.
Flagstar Bank (FLG) reported a net loss of $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.