FLAGSTAR BANK, NATIONAL ASSOCIATION (FLG) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — FLG

Balance Sheet

(in billions USD)

Metric	Q2 2026	Q1 2026	Q3 2025	Q2 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022	Q2 2022	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	5.18	7.09	8.48	8.09	23.08	18.99	12.89	6.93	15.81	22.25	1.70	3.28	2.90	2.52	2.09	2.72
Net Loans & Leases	--	--	--	--	--	--	--	--	--	--	48.77	48.32	46.56	43.49	43.37	43.07
Total Assets	87.71	87.13	91.67	92.24	114.37	119.06	112.90	111.23	118.80	123.71	62.96	63.09	61.01	57.89	57.47	57.66
Total Deposits	67.52	66.83	69.15	69.75	83.01	79.03	74.86	82.68	88.50	84.80	41.71	41.24	37.95	34.62	34.18	34.20
Long-term Debt	6.69	7.69	13.18	13.18	20.33	28.89	26.73	14.59	16.41	21.36	--	--	--	--	--	--
Total Liabilities	79.57	79.01	83.56	84.14	105.80	110.40	103.92	100.24	107.74	112.92	56.21	56.27	54.10	50.92	50.55	50.86
Retained Earnings	(0.96)	(0.98)	(1.01)	(0.96)	(0.56)	(0.27)	0.07	3.28	3.21	2.92	0.96	0.89	0.81	0.68	0.62	0.55
Total Stockholder Equity	8.14	8.12	8.11	8.10	8.57	8.40	8.39	10.99	11.06	10.78	6.75	6.82	6.91	6.97	6.92	6.80

Income Statement

(in billions USD) (except per-share rows)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Interest & Dividend Income	0.98	0.98	1.06	1.10	1.14	1.36	1.53	1.55	1.51	1.45	1.51	1.50	1.03	--	0.51	0.47	0.43	0.42	0.42	0.43
Interest Expense	--	--	--	--	--	--	--	--	0.89	0.71	0.63	0.60	0.48	--	0.18	0.11	0.10	0.10	0.10	0.10
Net Interest Income	0.44	0.44	0.47	0.43	0.42	0.46	0.51	0.56	0.62	0.74	0.88	0.90	0.56	--	0.33	0.36	0.33	0.32	0.32	0.33
Provision for Credit Losses	0.02	0.00	0.00	0.04	0.06	0.14	0.24	0.39	0.32	0.55	0.06	0.05	0.17	--	0.00	0.01	-0.00	0.00	-0.00	-0.00
Non-interest Income	0.08	0.06	0.09	0.09	0.08	0.16	0.11	0.11	0.01	0.13	0.16	0.30	2.10	--	0.02	0.02	0.01	0.02	0.02	0.02
Non-interest Expense	0.45	0.47	0.51	0.52	0.51	0.72	0.72	0.71	0.70	3.13	0.71	0.66	0.48	--	0.14	0.14	0.14	0.13	0.14	0.14
Pretax Income	0.05	0.03	0.05	(0.04)	(0.08)	(0.24)	(0.33)	(0.42)	(0.38)	(2.82)	0.27	0.49	2.01	--	0.21	0.23	0.21	0.20	0.20	0.21
Tax Provision	0.01	0.01	0.02	-0.00	(0.01)	(0.05)	(0.05)	(0.10)	(0.05)	(0.11)	0.06	0.08	0.00	--	0.05	0.06	0.05	0.05	0.05	0.06
Net Income	0.03	0.02	0.03	(0.04)	(0.07)	(0.19)	(0.28)	(0.32)	(0.33)	(2.70)	0.21	0.41	2.01	0.17	0.15	0.17	0.16	0.15	0.15	0.15
Basic EPS	0.06	0.03	0.06	(0.11)	(0.19)	(1.11)	(0.79)	(1.14)	(0.45)	(3.86)	0.27	0.55	2.88	--	0.31	0.34	0.31	0.31	0.30	0.30
Diluted EPS	0.06	0.03	0.06	(0.11)	(0.19)	(1.11)	(0.79)	(1.14)	(0.45)	(3.85)	0.27	0.55	2.87	--	0.30	0.34	0.31	0.31	0.30	0.30

Cash Flow Statement

(in billions USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Operating Cash Flow	0.23	(0.12)	(0.19)	0.24	(0.23)	0.62	(1.04)	0.80	(0.29)	0.78	1.05	(4.61)	3.04	0.40	0.23	0.21	0.19	0.22	0.06	(0.11)
Capital Expenditures	--	--	--	--	--	--	--	--	--	--	--	--	0.01	--	--	--	--	--	--	--
Free Cash Flow*	--	--	--	--	--	--	--	--	--	--	--	--	3.02	--	--	--	--	--	--	--
Investing Cash Flow	(2.56)	1.41	1.77	0.76	0.16	4.45	9.83	(0.79)	1.96	(1.73)	(1.73)	(0.96)	25.11	(1.58)	(1.67)	(2.00)	(1.07)	(2.00)	0.05	(0.12)
Financing Cash Flow	0.42	(0.19)	(4.16)	(0.61)	(7.32)	(12.67)	(4.69)	6.02	(0.25)	5.44	(8.21)	(0.84)	(7.79)	1.57	(0.14)	2.17	1.57	1.48	0.33	(0.41)

* Derived from reported values

Dividends Per Share

(USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023
Dividends Per Share	0.01	0.01	0.01	0.01	0.01	0.13	0.01	0.01	0.05	0.05	0.17	0.17	0.17