FLG FLAGSTAR BANK, NATIONAL ASSOCIATION
FY2025 10-K
FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business: National banking with $87.5B assets, $61.0B loans, $66.0B deposits, focused on retail, private banking, multi-family and commercial real estate loans
- • New structural shift: October 2025 reorganization eliminating holding company; Flagstar Bank became top-level public entity, no longer FRB-regulated holding company
Management Discussion & Analysis
- • No revenue or net income figures stated; focus on allowance for credit losses (ACL) $1.0B as of Dec 31, 2025
- • No operating margin or profitability % disclosed; emphasis on complex ACL estimation models and assumptions
Risk Factors
- • Regulatory risk from New York Housing Stability and Tenant Protection Act of 2019 impacting $13.9B (88%) of NY multi-family loans subject to rent regulation
- • Macroeconomic exposure to NYC metro area economy where majority of multi-family and CRE collateral worth $38.3B is located
Financial SummaryXBRL
Revenue
$4.5B
Net Income
-$177M
Net Margin
-4.0%
ROE
-2.2%
Total Assets
$87.5B
EPS (Diluted)
$-0.50
Operating Cash Flow
-$181M
Source: XBRL data from FLAGSTAR BANK, NATIONAL ASSOCIATION FY2025 10-K filing on SEC EDGAR. All figures in USD.
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