FLAGSTAR BANK, NATIONAL ASSOCIATION

Listed Company

FLGCIK 0000910073NYSELarge AcceleratedSavings Institutions, Not Federally CharteredFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

—

Total Assets

$87.51B

Equity

$8.14B

Shares Out

416.82M

Op. Cash Flow

$-181.00M

FLG$14.90+30.89% · past yearDBEQ Basic

Daily closing prices

Business

Flagstar Bank, National Association is a national banking association offering traditional deposit and lending products to retail and commercial customers. The Bank originates multi-family loans secured primarily by rental apartments in New York City, commercial real estate loans concentrated in the Northeast and Midwest, and commercial and industrial loans to middle-market companies nationally. The Bank operates approximately 340 retail and private banking locations across nine states, with strong footholds in the greater New York/New Jersey metropolitan region and upper Midwest, plus significant presence in Florida and the West Coast.

Summary from 10-K filed 2026-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net unrealized gain (loss) on securities available for sale	186	−72	45	−581	—
Net unrealized gain (loss) in pension and post-retirement obligations	12	−6	18	−15	23
Net unrealized gain (loss) on cash flow hedges	−47	37	−42	61	6
Total other comprehensive gain (loss), net of tax	151	−41	21	−535	−60
Total comprehensive (loss) income, net of tax	−26	−1,159	−58	115	536

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	553	434	—	—	—
Interest-earning deposits and other securities with financial institutions	5,341	14,996	—	—	—
Debt securities available-for-sale	15,701	10,402	9,145	9,060	—
Equity investments with readily determinable fair values, at fair value	65	14	14	14	16
Loans held for sale	265	899	1,200	1,100	—
Loans and leases held for investment, net of deferred loan fees and costs	60,732	68,272	84,619	69,001	—
Less: Allowance for credit losses on loans and leases	−1,030	−1,201	−992	−393	−199
Total loans and leases held for investment, net	59,702	67,071	83,627	68,608	—
Premises and equipment, net	477	562	652	491	270
Core deposit and other intangibles	381	488	625	287	—
Other assets	5,027	5,294	3,254	2,250	1,367
Total assets	87,512	100,160	114,057	90,144	59,527
Interest-bearing checking and money market accounts	18,233	20,780	30,700	22,511	—
Savings accounts	14,864	14,282	8,773	11,645	8,892
Certificates of deposit	20,843	27,324	21,554	12,510	8,424
Non-interest-bearing accounts	12,060	13,484	20,499	12,055	—
Total deposits	66,000	75,870	81,526	58,721	35,059
Borrowed Funds	12,184	14,426	—	—	—
Other liabilities	1,184	1,696	2,897	1,267	862
Total liabilities	79,368	91,992	105,690	81,320	52,483
Commitment and contingencies (refer to Note 20)	—	—	—	—	—
Preferred stock - Series B	1	1	0	0	0
Preferred stock - Series A and D	503	503	503	503	503
Common stock at par 0.01 (916,666,666 and 666,666,666 shares authorized; 422,931,277 and 422,416,178 shares issued; and 415,982,036 and 414,934,628 shares outstanding, respectively)	4	4	2	7	5
Paid-in capital in excess of par	9,303	9,282	8,236	8,130	6,126
Accumulated deficit	−988	−763	443	1,041	741
Treasury stock, at cost (6,949,241 and 7,481,550 shares, respectively)	−190	−219	−218	−237	—
Accumulated other comprehensive loss, net of tax:	−489	−640	−599	−620	−85
Total stockholders equity	8,143	8,167	8,367	8,824	7,044
Total liabilities, mezzanine and stockholders equity	87,512	100,160	114,057	90,144	59,527

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	148	184	165	—	—
Loss (gain) on business acquisition	0	121	−2,131	−159	—
Stock-based compensation	61	54	47	29	31
Deferred tax benefit	−63	−411	−187	−3	−13
Other operating activities, net	−250	121	133	—	—
Decrease (increase) in other assets	171	282	−721	348	−284
Decrease in other liabilities	−608	−769	−255	−100	−6
Change in loans held for sale, net	353	530	32	147	−52
Net cash (used in) provided by operating activities	−181	86	263	1,026	290
Proceeds from repayment of securities available-for-sale	2,517	2,099	1,402	732	1,728
Proceeds from sales of securities available-for-sale including loans that have been securitized	95	373	1,858	228	0
Purchases of securities available-for-sale	−7,694	−3,440	−3,046	−2,242	−1,796
Redemption of Federal Home Loan Bank stock	222	436	1,501	635	92
Purchases of Federal Home Loan Bank and Federal Reserve Bank stock	−49	−190	−1,626	−839	−112
Net proceeds from sales of MSRs	0	1,418	50	0	0
Other changes in loans, net	7,644	14,772	−4,331	−5,019	2,558
Purchases of premises and equipment, net	−67	−36	−66	−3	−4
Other investing activities, net	19	21	30	—	—
Cash acquired in business acquisition	0	0	24,901	331	0
Net cash provided by investing activities	2,687	15,453	20,673	−6,323	−2,762
Net decrease in deposits	−9,870	−5,671	−10,738	7,662	2,622
Net increase (decrease) in short-term advances	250	−4,250	−550	2,550	950
Proceeds from long-term debt issuances/advances	4,000	28,236	19,850	9,479	2,072
Repayments of long-term debt issuances/advances	−6,500	−30,837	−19,374	−13,960	−2,544
Cash dividends paid on common stock	−15	−53	−486	−317	−316
Cash dividends paid on preferred stock	−33	−35	−33	−33	−33
Proceeds from common stock issued, net	0	1,004	0	0	—
Other financing activities, net	80	17	−78	—	—
Net cash used in financing activities	−12,088	−11,589	−11,409	5,168	2,735
Net increase (decrease) in cash, cash equivalents, and restricted cash	−9,582	3,950	9,527	−129	263
Cash paid for interest	2,865	3,693	2,290	657	402
Securitization of loans to mortgage-backed securities available-for-sale	0	267	222	162	161
Transfer of loans from held for investment to held for sale	347	8,610	163	0	52
Transfer of loans from held for sale to held for investment	33	0	0	0	94
Fair value of tangible assets acquired	0	0	37,384	24,449	0
Intangible assets	0	0	464	292	0
Liabilities assumed	0	0	35,632	23,584	0
Issuance of FDIC Equity appreciation instrument	0	0	85	0	0

Filings

Filing historySign up free to browse every 10-K, 10-Q, 8-K, and proxy this filer has submitted to the SEC.Sign up free · Upgrade to Pro

Material Events

Material EventsTrack every 8-K filing and material event — AI-summarized, timelined, and alertable.Sign up free · Upgrade to Pro

Insiders

Insider ActivitySee executive buy/sell windows and insider trade activity over rolling 30/90/365-day windows.Sign up free · Upgrade to Pro

Institutional Holders

Institutional HoldersSee which funds hold this stock and track position changes quarter over quarter.Sign up free · Upgrade to Pro

Frequently asked questions

What is FLAGSTAR BANK, NATIONAL ASSOCIATION's CIK number?

FLAGSTAR BANK, NATIONAL ASSOCIATION's SEC CIK number is 0000910073 (910073). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find FLAGSTAR BANK, NATIONAL ASSOCIATION's SEC filings?

All of FLAGSTAR BANK, NATIONAL ASSOCIATION's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did FLAGSTAR BANK, NATIONAL ASSOCIATION last report earnings?

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) most recently filed an earnings 8-K with the SEC on Apr 24, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000910073-26-000035). This is FLAGSTAR BANK, NATIONAL ASSOCIATION's most recent earnings filing of record — not a forecast of its next earnings date.

What is FLAGSTAR BANK, NATIONAL ASSOCIATION's most recent earnings 8-K?

FLAGSTAR BANK, NATIONAL ASSOCIATION's latest earnings 8-K (Item 2.02) was filed Apr 24, 2026 under accession 0000910073-26-000035. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View FLAGSTAR BANK, NATIONAL ASSOCIATION's latest earnings 8-K →
Look up any company's CIK number →