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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Net Income
$26M
EPS
$0.06
Unit: Million (M) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans and leases
751
754
791
819
Securities and money market investments
225
230
267
282
Total interest income
976
984
1,058
1,101
Interest-bearing checking and money market accounts
126
114
132
151
Savings accounts
97
101
108
113
Certificates of deposit
201
203
228
255
Borrowed funds
112
123
123
157
Total interest expense
536
541
591
676
Net interest income
440
443
467
425
Provision for credit losses
18
0
3
38
Net interest income after provision for credit losses
422
443
464
387
Fee income
26
23
22
23
Bank-owned life insurance
13
10
17
12
Net loss (gain) on investment securities
4
-9
9*
22
Net return on mortgage servicing rights
-
-
0
0
Net gain on loan sales and securitizations
4
5
8
5
Net gain on mortgage/servicing sale
-
-
0*
-
Net loan administration income
1
0
1
0
Bargain purchase gain
-
-
0
0
Other
28
26
33
32
Total non-interest income
76
55
90
94
Compensation and benefits
220
228
253
242
Occupancy and equipment
46
50
47
47
Software expense
49
47
238*
-
Fdic insurance
30
30
33
37
Professional services
19
22
22*
-
General and administrative
63
64
-126
153
Total operating expense
427
441
466
479
Intangible asset amortization
23
25
26
26
Merger-related expense
0
0
17
17
Goodwill impairment
-
-
0
-
Total non-interest expense
450
466
509
522
Income (gain) before income taxes
48
32
45
-41
Income tax expense (benefit)
14
11
16
-5
Net income (gain)
34
21
29
-36
Preferred stock dividends
8
8
8
9
Net income (gain) attributable to common stockholders
26
13
21
-45
Basic EPS
0.06
0.03
0.051
-0.11
Diluted EPS
0.06
0.03
0.051
-0.11
Basic Average Shares
416,829,060
416,149,153
415,797,458
415,563,380
Diluted Average Shares
473,623,332
466,550,891
415,797,458
415,563,380
Page 1
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Loans and leases
$751M
(-10.60%↓ Y/Y)
Securities and money market
investments
$225M
(-25.74%↓ Y/Y)
Total interest income
$976M
(-14.61%↓ Y/Y)
Net interest income
$440M
(5.01%↑ Y/Y)
Other
$28M
(-26.32%↓ Y/Y)
Fee income
$26M
(18.18%↑ Y/Y)
Bank-owned life insurance
$13M
(30.00%↑ Y/Y)
Net gain on loan
sales and...
$4M
(-33.33%↓ Y/Y)
Net loss (gain) on
investment securities
$4M
Net loan
administration income
$1M
(0.00%↑ Y/Y)
Total interest
expense
$536M
(-25.97%↓ Y/Y)
Net interest income
after provision for...
$422M
(18.87%↑ Y/Y)
Total non-interest
income
$76M
(-1.30%↓ Y/Y)
Provision for credit
losses
$18M
(-71.88%↓ Y/Y)
Certificates of deposit
$201M
(-29.97%↓ Y/Y)
Interest-bearing checking and
money market accounts
$126M
(-22.22%↓ Y/Y)
Borrowed funds
$112M
(-32.12%↓ Y/Y)
Savings accounts
$97M
(-11.82%↓ Y/Y)
Income (gain) before
income taxes
$48M
(159.26%↑ Y/Y)
Total non-interest
expense
$450M
(-12.28%↓ Y/Y)
Net income (gain)
$34M
(148.57%↑ Y/Y)
Income tax expense
(benefit)
$14M
(227.27%↑ Y/Y)
Total operating
expense
$427M
(-9.53%↓ Y/Y)
Intangible asset
amortization
$23M
(-14.81%↓ Y/Y)
Net income (gain)
attributable to common...
$26M
(133.33%↑ Y/Y)
Preferred stock dividends
$8M
(0.00%↑ Y/Y)
Compensation and benefits
$220M
(-7.17%↓ Y/Y)
General and
administrative
$63M
(-52.63%↓ Y/Y)
Software expense
$49M
Occupancy and equipment
$46M
(-13.21%↓ Y/Y)
Fdic insurance
$30M
(-38.78%↓ Y/Y)
Professional services
$19M
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FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG)
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FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG)