Flagstar reported a FY 2025 net loss of USD 177 million; net loss attributable to common stockholders was USD 210 million, or USD 0.50 per diluted share. FY 2025 net interest income was USD 1.72 billion (down USD 431 million) and net interest margin was 1.89% (down 6 basis points). FY 2025 provision for credit losses was USD 184 million (down USD 908 million). FY 2025 non-interest income was USD 341 million (down USD 59 million) and non-interest expense was USD 2.08 billion (down USD 762 million). Management said it is executing a strategic transformation plan to become a fully diversified, relationship-driven regional bank, citing progress since 2024 including leadership additions, reductions in non-core assets, improvements in funding mix, enhanced liquidity, and profitability in Q4 2025. The company highlighted that FY 2025 results reflected lower average loans due to strategic reductions in multi-family and commercial real estate exposure, and the 2024 sales of its mortgage third-party origination and mortgage servicing businesses and its warehouse lending portfolio. As of December 31, 2025, total deposits were USD 66.00 billion (down USD 9.87 billion), including brokered deposits of USD 2.40 billion, while total liquidity was USD 27.1 billion; uninsured deposits were USD 13.5 billion.
Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Flagstar Bank NA published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000910073-26-000025), on February 27, 2026, and is solely responsible for the information contained therein.
Comments