| Balance Sheets | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|
| Assets held for sale (see note 19 - assets held for sale and associated liabilities) | - | - | 1,631 | - |
| Debt securities available-for-sale | 14,823 | 12,826 | - | - |
| Equity investments with readily determinable fair values, at fair value | 14 | 14 | 14 | 14 |
| Debt securities available-for-sale (10,236 and 2,822 pledged at september30, 2024 and december31, 2023) | - | - | 10,511 | 10,535 |
| Total securities | 14,837 | 12,840 | 10,525 | 10,549 |
| Loans and leases held for investment, net of deferred loan fees and costs | 64,121 | 66,592 | 71,116 | 74,552 |
| Less allowance for credit losses on loans and leases, held for investment | 1,106 | 1,168 | 1,264 | 1,268 |
| Total loans and leases held for investment, net | 63,015 | 65,424 | 69,852 | 73,284 |
| Mortgage servicing rights | - | - | 0 | 1,122 |
| Premises and equipment, net | 474 | 486 | 649 | 691 |
| Core deposit and other intangibles | 433 | 459 | 519 | 557 |
| Other assets | 2,423 | 2,598 | 3,301 | 2,866 |
| Loans held for sale | 319 | 531 | 1,851 | 7,845 |
| Federal home loan bank stock and federal reserve bank stock, at cost | 1,017 | 1,061 | 1,364 | 1,565 |
| Cash and cash equivalents | 8,094 | 12,614 | 23,080 | 18,990 |
| Bank-owned life insurance | 1,625 | 1,615 | 1,595 | 1,586 |
| Total assets | 92,237 | 97,628 | 114,367 | 119,055 |
| Repurchase agreements | - | - | 60 | 121 |
| Subordinated notes | 446 | 445 | 442 | 441 |
| Federal home loan bank and federal reserve bank advances | - | - | 19,250 | 27,750 |
| Junior subordinated debentures | 584 | 583 | 581 | 580 |
| Wholesale borrowings | 12,150 | 13,150 | 19,310 | 27,871 |
| Total borrowed funds | 13,180 | 14,178 | 20,333 | 28,892 |
| Certificates of deposit | 24,212 | 25,887 | 29,251 | 28,780 |
| Non-interest-bearing accounts | 12,006 | 12,745 | 18,572 | 17,874 |
| Interest-bearing checking and money market accounts | 19,067 | 20,809 | 21,680 | 21,740 |
| Savings accounts | 14,460 | 14,465 | 13,510 | 10,638 |
| Total deposits | 69,745 | 73,906 | 83,013 | 79,032 |
| Other liabilities | 1,216 | 1,390 | 1,978 | 2,476 |
| Liabilities associated with assets held for sale (see note 20 - assets held for sale and associated liabilities) | - | - | 471 | - |
| Total liabilities | 84,141 | 89,474 | 105,795 | 110,400 |
| Treasury stock, at cost (7,269,931 and 7,481,550 shares, respectively) | 204 | 212 | 219 | 223 |
| Accumulated deficit | -957 | -875 | -562 | -270 |
| Net unrealized gain on cash flow hedges, net of tax of (27) and , respectively | - | - | 74 | 88 |
| Preferred stock - series a and d | 503 | 503 | 503 | 503 |
| Net unrealized loss on pension and post-retirement obligations, net of tax of 11 and 12, respectively | - | - | 27 | 28 |
| Common stock at par 0.01 (666,666,666 and 666,666,666 shares authorized 422,623,325 and 422,416,178 shares issued and 415,353,394 and 414,934,628 shares outstanding, respectively) | 4 | 4 | 4 | 4 |
| Net unrealized loss on securities available for sale, net of tax of 185 and 225, respectively | - | - | -468 | -674 |
| Paid-in capital in excess of par | 9,291 | 9,286 | 9,266 | 8,997 |
| Aocl, net of tax | -542 | -553 | -421 | -614 |
| Total stockholders equity | 8,095 | 8,153 | 8,571 | 8,397 |
| Preferred stock - series b | 1 | 1 | 1 | 258 |
| Total liabilities, mezzanine and stockholders equity | 92,237 | 97,628 | 114,367 | 119,055 |
FLAGSTAR FINANCIAL, INC. (FLG)
FLAGSTAR FINANCIAL, INC. (FLG)