Flagstar Bank NA reported a return to profitability in the fourth quarter (Q4) of 2025, posting net income attributable to common stockholders of USD 0.05 per diluted share and adjusted net income attributable to common stockholders of USD 0.06 per diluted share. For Q4 2025, the bank’s net interest margin increased to 2.14%, with the adjusted net interest margin at 2.05% as the cost of funds declined. Credit quality improved, with non-accrual loans declining 8% compared to the prior quarter, provision for credit losses decreasing 92%, and net charge-offs at 0.30% of average loans. Commercial and industrial lending showed continued momentum, with commitments up 28% to USD 3 billion and originations rising 22% to USD 2.1 billion. Total commercial and industrial loans increased by USD 343 million, or 2% compared to the previous quarter. The bank reduced its commercial real estate exposure, with commercial real estate par payoffs totaling USD 1.8 billion and a concentration ratio of 381%. At December 31, 2025, Flagstar Bank NA reported total assets of USD 87.5 billion, total loans of USD 61.0 billion, deposits of USD 66.0 billion, and total stockholders' equity of USD 8.1 billion. Dividends per common share for Q4 2025 stood at USD 0.04.

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