Flagstar Bank (NYSE: FLG) director reports 7,968-share stock grant on Form 4

Rhea-AI Filing Summary

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.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Whip Jennifer R

(Last) (First) (Middle)

102 DUFFY AVENUE

(Street)

HICKSVILLE NY 11801

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FLAGSTAR BANK, NATIONAL ASSOCIATION [ NYSE:FLG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/02/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/02/2026		A		7,968	A	$0	57,345(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Total includes service based restricted stock units that will vest in shares of Issuer's common stock over the passage of time.

Remarks:

	/s/ Jan M. Klym, by Power of Attorney	01/06/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Flagstar Bank (FLG) disclose in this Form 4?

The filing reports that a director of Flagstar Bank, National Association acquired 7,968 shares of common stock on 01/02/2026 as an equity award priced at $0 per share.

How many Flagstar Bank (FLG) shares does the reporting person now beneficially own?

After the reported transaction, the director beneficially owns 57,345 shares of Flagstar Bank common stock in direct ownership.

Was the Flagstar Bank (FLG) insider transaction a purchase or an award?

The transaction shows 7,968 shares acquired at a price of $0, indicating it was an equity award (such as stock or restricted stock units) rather than a market purchase.

Does the Flagstar Bank (FLG) Form 4 include restricted stock units (RSUs)?

Yes. The explanation states that the total beneficial ownership of 57,345 shares includes service-based restricted stock units that will vest into common shares over time.

What is the relationship of the reporting person to Flagstar Bank (FLG)?

The reporting person is identified as a Director of Flagstar Bank, National Association, with the Form 4 filed for one reporting person.

Is this Flagstar Bank (FLG) Form 4 filed by more than one reporting person?

No. The filing indicates that it is a Form filed by one reporting person, not a joint or group filing.