FLAGSTAR BANK, NATIONAL ASSOCIATION
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FLG Q4 2025 request
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| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| General & Administrative | -126 | -44 | -186.4% |
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| Accumulated Defined Benefit Plans Adjustment Net Unamortized Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | 0 | — |
| Income Before Taxes | 45 | -238 | +118.9% |
| Income Tax Expense (Benefit) | 16 | -50 | +132.0% |
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| Accumulated Defined Benefit Plans Adjustment Net Unamortized Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | 0 | — |
| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | 11 | 9 | +22.2% |
| Comprehensive Income | 35 | -407 | +108.6% |
| Other Comprehensive Income | 6 | -219 | +102.7% |
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| Accumulated Defined Benefit Plans Adjustment | 10 | -7 | +242.9% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | -31 | -27 | -14.8% |
| Accumulated Net Unrealized Investment Gain Loss | 27 | -185 | +114.6% |
| Accumulated Other Comprehensive Income | 6 | -219 | +102.7% |
| EPS (Basic) | 0.06 | -0.33 | +118.2% |
| EPS (Diluted) | 0.06 | -0.33 | +118.2% |
| Wtd Avg Shares (Basic) | 153,926 | 28,330,627 | -99.5% |
| Wtd Avg Shares (Diluted) | 153,926 | 28,330,627 | -99.5% |
| Interest Expense Operating | 591 | 897 | -34.1% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | 42 | 36 | +16.7% |
| Interest And Dividend Income Operating | 1,058 | 1,358 | -22.1% |
| Interest Income Expense Net | 467 | 461 | +1.3% |
| Labor And Related Expense | 253 | 302 | -16.2% |
| Noninterest Expense | 509 | 718 | -29.1% |
| Noninterest Income | 90 | 164 | -45.1% |
| Occupancy Net | 47 | 48 | -2.1% |
| Preferred Stock Dividends Income Statement Impact | 8 | 8 | 0.0% |
| Net Income Loss Available To Common Stockholders Basic | 21 | -196 | +110.7% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | -31 | -27 | -14.8% |
Balance Sheet
| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Property, Plant & Equipment | 477 | 562 | -15.1% |
| Operating Lease Right-of-Use Assets | 380 | 416 | -8.7% |
| Intangible Assets | 381 | — | — |
| Total Assets | 87,512 | 100,160 | -12.6% |
| Non-Current Liabilities | |||
| Long-Term Debt | 8,184 | 11,676 | -29.9% |
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| Federal Home Loan Bank Advances | 7,151 | 10,650 | -32.9% |
| Junior Subordinated Debt | 585 | 582 | +0.5% |
| Subordinated Debt | 448 | 444 | +0.9% |
| Total Liabilities | 79,368 | 91,992 | -13.7% |
| Stockholders' Equity | |||
| Common Stock | 4 | 4 | 0.0% |
| Additional Paid-In Capital | 9,303 | 9,282 | +0.2% |
| Retained Earnings | -988 | -763 | -29.5% |
| Accumulated Other Comprehensive Income | -489 | -640 | +23.6% |
| Total Stockholders' Equity | 8,143 | 8,167 | -0.3% |
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| Accumulated Defined Benefit Plans Adjustment | -22 | -34 | +35.3% |
| Accumulated Net Unrealized Investment Gain Loss | -467 | -653 | +28.5% |
| Accumulated Other Comprehensive Income | -489 | -640 | +23.6% |
| Additional Paid In Capital | 9,303 | 9,282 | +0.2% |
| Common Stock | 4 | 4 | 0.0% |
| Preferred Stock | 503 | 503 | 0.0% |
| Retained Earnings | -988 | -763 | -29.5% |
| Treasury Stock Common | -190 | -219 | +13.2% |
| Total Liabilities & Equity | 87,512 | 100,160 | -12.6% |
Cash Flow Statement
| Metric | YTD Q4 2025 | YTD Q4 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Net Income | 29 | -188 | +115.4% |
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| Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | 0 | — |
| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | 31 | 27 | +14.8% |
| Retained Earnings | 29 | -188 | +115.4% |
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| Reclassification Out Of Accumulated Other Comprehensive Income | 31 | 27 | +14.8% |
| Provision For Loan Losses Expensed | 3 | 145 | -97.9% |
| Stock-Based Compensation | 15 | 16 | -6.2% |
| Deferred Income Taxes | 34 | -182 | +118.7% |
| Increase Decrease In Other Operating Assets | 56 | 705 | -92.1% |
| Increase Decrease In Other Operating Liabilities | -66 | -894 | +92.6% |
| Increase Decrease In Loans Held For Sale | -11 | 953 | -101.2% |
| Net Cash from Operations | -189 | 623 | -130.3% |
| Investing Activities | |||
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 1,023 | 574 | +78.2% |
| Proceeds From Sale Of Debt Securities Available For Sale And Securitized Loans | 10 | 104 | -90.4% |
| Purchases of Investments | -1,700 | -833 | -104.1% |
| Proceeds From Sale Of Federal Home Loan Bank Stock | 91 | 219 | -58.4% |
| Payments To Acquire Federal Home Loan Bank Stock | -46 | -1 | -4500.0% |
| Payments For Proceeds From Other Changes In Financing Receivables | 2,425 | 3,039 | -20.2% |
| Proceeds From Sale Payments To Acquire Property Plant And Equipment | -96 | -69 | -39.1% |
| Net Cash from Investing | 1,766 | 4,454 | -60.4% |
| Transfer Of Portfolio Loans And Leases To Held For Sale1 | -243 | 1,124 | -121.6% |
| Stock Issued1 (Q) | — | — | — |
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| Restricted Stock Units RSU | 12 | 1 | +1100.0% |
| Financing Activities | |||
| Increase Decrease In Deposits | -3,143 | -7,147 | +56.0% |
| Proceeds From Repayments Of Short Term Debt | 500 | -3,310 | +115.1% |
| Proceeds From Issuance Of Long Term Debt | 3,500 | 15,986 | -78.1% |
| Repayments Of Long Term Debt | -5,000 | -18,587 | +73.1% |
| Payments Of Dividends Common Stock | -3 | -5 | +40.0% |
| Payments Of Dividends Preferred Stock And Preference Stock | -8 | -8 | 0.0% |
| Net Cash from Financing | -4,159 | -12,669 | +67.2% |
| Supplemental | |||
| Interest Paid | 611 | 971 | -37.1% |
| Other Cash Flow | |||
| Net Change in Cash | -2,582 | -7,592 | +66.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 5,977 | 15,559 | -61.6% |
Values in millions USD. Source: SEC EDGAR 10-K filing.