Flagstar executive receives 245,902-share stock award

Raffetto Richard A reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Raffetto Richard A reported acquisition or exercise transactions in this Form 4 filing.

FLAGSTAR BANK, NATIONAL ASSOCIATION senior executive Richard A. Raffetto reported an equity compensation grant of 245,902 shares of Common Stock on March 15, 2026. The award was recorded at a price of $0.0000 per share, reflecting a grant or award rather than an open-market purchase.

After this grant, Raffetto directly holds 245,902 common shares. He also has an indirect holding of 1,386 common shares through a 401(k) plan. A footnote explains that the direct total includes service-based restricted stock units that will vest into common shares over time, tying much of this position to continued service rather than immediate free-trading stock.

Insider Trade Summary

Grant/Award: 245,902 shares

Grant/Award 2 txns

Insider Raffetto Richard A

Role SEVP Pres of Com & Priv Bnking

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	245,902	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 245,902 shares (Direct); Common Stock — 1,386 shares (Indirect, By 401(k) Plan)

Footnotes (1)

1. F1. Total includes service based restricted stock units that will vest in shares of Issuer's common stock over the passage of time.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did FLG executive Richard Raffetto report?

Richard A. Raffetto reported receiving a grant of 245,902 shares of Flagstar common stock as equity compensation. The shares were recorded at $0.0000 per share, indicating an award rather than an open-market purchase, and increase his directly held stake in the company.

How many Flagstar (FLG) shares did the executive hold after the Form 4 grant?

Following the reported grant, Richard Raffetto directly held 245,902 shares of Flagstar common stock. He also had an additional 1,386 shares held indirectly through a 401(k) plan, according to the Form 4’s holding entry and ownership detail.

Was the FLG Form 4 transaction a stock purchase or a compensation grant?

The Form 4 shows a compensation-related grant, not a market purchase. The transaction code is A, described as a grant, award, or other acquisition, and the price per share is listed as $0.0000, consistent with an equity award to an executive.

What does the restricted stock unit footnote mean for FLG shares granted?

A footnote states the total includes service-based restricted stock units that will vest into common shares over time. This means a portion of the 245,902 reported shares depends on continued service, aligning executive compensation with long-term employment and company performance.

How are Richard Raffetto’s indirect FLG holdings structured?

In addition to his direct holdings, Richard Raffetto reports 1,386 Flagstar common shares held indirectly. The nature of ownership is noted as “By 401(k) Plan,” indicating these shares are part of his retirement plan rather than directly in his personal brokerage account.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 03/17/2026 - 10:20 AM EDT Learn about SEC filing dates

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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^*

Raffetto Richard A

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SEVP Pres of Com & Priv Bnking

3. Date of Earliest Transaction (Month/Day/Year)
03/15/2026

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	03/15/2026		A		245,902	A	$0	245,902(1)	D
Common Stock								1,386	I	By 401(k) Plan

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	03/17/2026
	** 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.