Every 8-K 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 8-K covers material events a company has to report between its quarterly 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, 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, 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, N.A. has extended Executive Chairman and CEO Joseph Otting’s employment agreement in his CEO role through March 6, 2028 and made several leadership changes. Otting will remain Executive Chairman and CEO but relinquish the President title, while Richard Raffetto and Lee Smith become Co-Presidents and Co-Chief Operating Officers with expanded responsibilities across commercial, consumer and operational functions. Smith continues as Chief Financial Officer. Bao Nguyen is named Chief Legal Officer and Chief Operating Officer for Consumer and Retail Banking, with Peter Sullivan becoming General Counsel and Sydney Menefee moving to Chief Audit Executive. Otting’s amended agreement raises his base salary to $1,400,000 from March 6, 2027, sets target annual cash bonuses of $2,250,000 for 2026 and $2,500,000 for 2027, and grants $10,000,000 in restricted stock units vesting quarterly from March 6, 2027 to March 6, 2028. If he resigns for good reason or is terminated without cause before that date, he is entitled to a severance payment equal to two times his base salary and target bonus, plus an additional payment equal to one times his base salary and bonus in effect immediately before March 6, 2028 in exchange for post-employment restrictive covenants. The company highlights these moves as supporting its long-term strategic plan and executive succession planning.
Flagstar Bank, N.A. reported a profitable first quarter 2026 with net income of $21 million and net income attributable to common stockholders of $13 million, or $0.03 per diluted share. On an adjusted basis, net income attributable to common stockholders was $20 million, or $0.04 per diluted share, excluding a $9 million fair value loss on an equity investment.
Commercial and industrial loans grew $1.4 billion to $16.6 billion, up 9% from the prior quarter, while total deposits rose $0.8 billion to $66.8 billion. Asset quality improved as non-accrual loans fell 11% quarter-over-quarter and criticized/classified loans declined. Net interest margin was 2.15%, up 10 basis points versus the prior quarter after adjusting for a one-time hedge gain, and adjusted operating expenses fell 5%.
Capital remained strong with a common equity tier 1 ratio of 13.24%. The bank issued guidance for 2026, targeting adjusted diluted EPS of $0.60–$0.65, ROAA of 0.30–0.40%, and an efficiency ratio of 70–75%, with further improvements projected for 2027.
Flagstar Bank, N.A. announced that director Alessandro DiNello will not stand for re-election at the 2026 Annual Meeting of Shareholders, so his board term will end at the conclusion of that meeting, expected on June 9, 2026. The Bank stated his decision was not due to any disagreement over its operations, policies, or practices.
The Bank also appointed Eli H. Miller to its Board of Directors effective April 1, 2026, filling a vacancy created by the previously disclosed resignation of Brian Callanan, with a term expiring at the 2026 Annual Meeting. Miller, a Senior Managing Director at Liberty Strategic Capital, will serve on the Risk Assessment and Technology and Operations committees and receive standard non-employee director compensation, including a $97,500 annual cash retainer and $130,000 in annual equity awards, plus additional retainers for committee service.
Flagstar Bank, N.A. has set Tuesday, June 9, 2026 as the date for its 2026 Annual Meeting of Shareholders, which will be held exclusively via live virtual webcast beginning at 10:00 a.m. Eastern Time. The record date for voting rights is April 10, 2026, meaning shareholders of record on that date may receive notice of and vote at the meeting.
The bank notes that additional details on how to participate will appear in its Proxy Statement and Notice of Annual Meeting, to be sent to shareholders and filed with the Office of the Comptroller of the Currency and the SEC, and posted on its investor relations website. The filing also reiterates that at December 31, 2025 Flagstar Bank, N.A. had $87.5 billion of assets, $61.0 billion of loans, deposits of $66.0 billion, and total stockholders' equity of $8.1 billion, and operates about 340 locations across ten states.
Flagstar Bank, National Association filed a current report stating that it will begin distributing an investor presentation starting on January 30, 2026. The bank will make this written presentation, attached as Exhibit 99.1, available to investors and post it on its website for broader access.
Flagstar Bank, National Association filed a current report to furnish its latest financial results. The company issued a news release covering its performance for the quarter and year ended December 31, 2025, and attached this press release as Exhibit 99.1 to the filing.
The report clarifies that the disclosure is made through an accompanying press release rather than detailed financial tables in the 8-K itself. The filing is signed on behalf of the bank by Executive Vice President and Director of Investor Relations, Salvatore DiMartino.
Flagstar Bank (FLG) reported a board change. On October 30, 2025, Brian R. Callanan notified the Bank of his resignation as a member of the Board of Directors, effective November 2, 2025. The company stated the decision was not the result of any disagreement with the Bank on matters relating to operations, policies, or practices.
The filing lists FLG common stock and related listed securities on the New York Stock Exchange.
Flagstar Bank, National Association filed a Form 8-K announcing it will distribute and post a written investor presentation beginning October 24, 2025. The presentation is furnished as Exhibit 99.1 and will be made available to investors and on the Company’s website.
The filing lists the Company’s securities on the NYSE under the symbols FLG, FLG PRU, and FLG PRA. The report was signed by Salvatore DiMartino, Executive Vice President and Director of Investor Relations.
Flagstar Bank, National Association filed an 8-K stating it issued a news release reporting financial results for the quarter ended September 30, 2025. The release is furnished as Exhibit 99.1.
The filing lists the company’s securities on the NYSE: common stock (FLG), Bifurcated Option Note Unit Securities SM (FLG PRU), and depositary shares for Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock (FLG PRA). The report was signed by Executive Vice President and Director of Investor Relations, Salvatore DiMartino.
Flagstar Bank, National Association completed an internal reorganization on October 17, 2025 and became the successor issuer to Flagstar Financial, Inc. under Rule 12g-3(a). Shares of the predecessor’s common and preferred stock converted on a one-for-one basis into corresponding Bank securities, and existing warrants—including those forming part of the BONUSES Units—now reference Bank securities on the same terms.
The Bank assumed the predecessor’s senior notes, including 5.90% Fixed-to-Floating Rate Notes due 2028 and 4.125% Fixed-to-Floating Rate Notes due 2030, and assumed junior subordinated debentures totaling $610 million outstanding as of September 30, 2025. Depositary shares for Bank Series A and the BONUSES Units remain registered or deemed registered under the Exchange Act.
The Bank will be regulated and supervised by the OCC and intends to continue making SEC submissions as a voluntary filer. The NYSE will treat the Bank’s common stock as a continued listing under the symbol FLG effective October 20, 2025. An amendment to a March 11, 2024 Registration Rights Agreement substituted the Bank as party and reflects OCC Part 16 oversight of national bank securities.
Flagstar Financial, Inc. reported the results of a special shareholder meeting, where investors approved an internal reorganization to merge the holding company into its bank subsidiary, Flagstar Bank, N.A., with the bank continuing as the surviving entity. Shareholders also approved converting the company into an interim federal savings association immediately before the merger.
Participation was strong: 324,632,828 shares were represented (78.11% quorum) out of 415,561,180 shares outstanding as of August 18, 2025. The merger plan received 323,484,538 votes for, 697,949 against, and 450,341 abstentions. The conversion proposal received 323,457,796 votes for, 724,931 against, and 450,101 abstentions. Because both proposals passed, an adjournment proposal was rendered moot and not announced.
Flagstar Financial, Inc. received approval from the Office of the Comptroller of the Currency on October 3, 2025 to reorganize as a federal interim savings bank and then merge into Flagstar Bank, National Association, with Flagstar Bank as the surviving entity. As part of this internal reorganization, Flagstar Bank is expected to become the publicly traded company on the New York Stock Exchange, replacing the current holding company structure.
The transaction still requires approval from Flagstar Financial’s shareholders at a meeting scheduled for October 15, 2025. If shareholders approve, the company expects the reorganization and merger to close in mid‑ to late‑October 2025. The company issued a press release on October 6, 2025 announcing the OCC approval and planned internal merger.