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For the quarter ending 2026-03-31.

Income Overview

Net Income
$13M
EPS
$0.03
Unit: Million (M) dollars

Income Statement
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Loans and leases
754 791 819 840
Securities and money market investments
230 267 282 303
Total interest income
984 1,058 1,101 1,143
Interest-bearing checking and money market accounts
114 132 151 162
Savings accounts
101 108 113 110
Certificates of deposit
203 228 255 287
Borrowed funds
123 123 157 165
Total interest expense
541 591 676 724
Net interest income
443 467 425 419
Provision for credit losses
0 3 38 64
Net interest income after provision for credit losses
443 464 387 355
Fee income
23 22 23 22
Bank-owned life insurance
10 17 12 10
Net (gain) loss on investment securities
-9 9* 22 -
Net return on mortgage servicing rights
-0 0 0
Net gain on loan sales and securitizations
5 8 5 6
Net gain on mortgage/servicing sale
-0* --
Net loan administration income
0 1 0 1
Bargain purchase gain
-0 0 0
Other
26 33 32 38
Total non-interest income
55 90 94 77
Compensation and benefits
228 253 242 237
Occupancy and equipment
50 47 47 53
Software expense
47 238* --
Fdic insurance
30 33 37 49
Professional services
22 22* --
General and administrative
64 -126 153 133
Total operating expense
441 466 479 472
Intangible asset amortization
25 26 26 27
Merger-related expense
0 17 17 14
Goodwill impairment
-0 --
Total non-interest expense
466 509 522 513
Income (gain) before income taxes
32 45 -41 -81
Income tax expense (benefit)
11 16 -5 -11
Net income (gain)
21 29 -36 -70
Preferred stock dividends
8 8 9 8
Net income (gain) attributable to common stockholders
13 21 -45 -78
Basic EPS
0.03 0.051 -0.11 -0.19
Diluted EPS
0.03 0.051 -0.11 -0.19
Basic Average Shares
416,149,153 415,797,458 415,563,380 415,125,228
Diluted Average Shares
466,550,891 415,797,458 415,563,380 415,125,228
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Loans and leases$754M (-12.33%↓ Y/Y)Securities and money marketinvestments$230M (-24.34%↓ Y/Y)Total interest income$984M (-15.46%↓ Y/Y)Net interest income$443M (8.05%↑ Y/Y)Other$26M (-16.13%↓ Y/Y)Fee income$23M (4.55%↑ Y/Y)Bank-owned life insurance$10M (0.00%↑ Y/Y)Total interestexpense$541M (-28.25%↓ Y/Y)Net gain on loansales and...$5M (-61.54%↓ Y/Y)Net interest incomeafter provision for...$443M (33.84%↑ Y/Y)Total non-interestincome$55M (-31.25%↓ Y/Y)Net (gain) loss oninvestment securities-$9M Certificates of deposit$203M (-34.09%↓ Y/Y)Borrowed funds$123M (-26.79%↓ Y/Y)Interest-bearing checking andmoney market accounts$114M (-31.74%↓ Y/Y)Savings accounts$101M (-9.01%↓ Y/Y)Income (gain) beforeincome taxes$32M (126.45%↑ Y/Y)Total non-interestexpense$466M (-12.41%↓ Y/Y)Net income (gain)$21M (121.00%↑ Y/Y)Income tax expense(benefit)$11M (152.38%↑ Y/Y)Total operatingexpense$441M (-11.09%↓ Y/Y)Intangible assetamortization$25M (-10.71%↓ Y/Y)Net income (gain)attributable to common...$13M (112.04%↑ Y/Y)Preferred stock dividends$8M (0.00%↑ Y/Y)Compensation and benefits$228M (-6.56%↓ Y/Y)General andadministrative$64M (-56.46%↓ Y/Y)Occupancy and equipment$50M (-9.09%↓ Y/Y)Software expense$47M Fdic insurance$30M (-40.00%↓ Y/Y)Professional services$22M

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG-PA)

FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG-PA)