Flagstar Bank NA 2025年季度报告

(Mark One) QUARTERLY REPORT PURSUANT TO SECTION13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedSeptember30, 2025 OR TRANSITION REPORT PURSUANT TO SECTION13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number:001-31565 Flagstar Bank, National Association(Exact name of registrant as specified in its charter) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Actof 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subjectto such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required tosubmit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and"emerging growth company" in Rule12b-2 of the Exchange Act. Large Accelerated Filer☒AcceleratedFiler☐SmallerReportingCompany☐Non-AcceleratedFiler☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complyingwith any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No☒ The number of shares of the registrant’s common stock outstanding as of October31, 2025 was415,755,877shares. FLAGSTAR BANK, NATIONAL ASSOCIATIONFORM 10-Q Item2.Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem1.Condensed Consolidated Financial StatementsCondensed Consolidated Statements of Condition (unaudited)Condensed Consolidated Statements of (Loss) Income (unaudited)Condensed Consolidated Statement of Comprehensive (Loss) Income (unaudited)Condensed Consolidated Statements of Stockholders’ Equity (unaudited)Condensed Consolidated Statements of Cash Flows (unaudited)Notes to the Condensed Consolidated Financial Statements (unaudited)Note 1 - Organization and Basis of PresentationNote 2 -Earnings Per Common ShareNote 3 -Accumulated Other Comprehensive LossNote 4 - Investment SecuritiesNote 5 - Loans and LeasesNote 6 - Allowance for Credit Losses on Loans and LeasesNote 7 - Leases, Premises and EquipmentNote 8 - Variable Interest EntitiesNote 9 - Borrowed FundsNote 10 - Pension BenefitsNote 11 - Federal, State, and Local TaxesNote 12 - Stock-Based CompensationNote 13 - Derivative and Hedging ActivitiesNote 14 - Intangible AssetsNote 15 - Fair Value MeasuresNote 16 - Mezzanine and Stockholders' EquityNote 17 - Commitments and ContingenciesNote 18 - Segment ReportingItem3.Quantitative and Qualitative Disclosures about Market RiskItem4.Controls and Procedures PART II. – OTHER INFORMATIONItem1.Legal ProceedingsItem1A.Risk FactorsItem2.Unregistered Sales of Equity Securities and Use of ProceedsItem3.Defaults upon Senior SecuritiesItem4.Mine Safety DisclosuresItem5.Other InformationItem6.Exhibits SIGNATURES Table of Contents ABBREVIATIONS AND ACRONYMSThe following list of abbreviations and acronyms are provided as a tool for the reader and may be used throughout this Report, including the Condensed Consolidated Financial Statements and Notes: Table of Contents Effective October 17, 2025, Flagstar Bank, National Association (the “Bank”) became the successor reporting company to FlagstarFinancial, Inc. pursuant to an internal corporate reorganization to eliminate the Bank’s holding company structure (the “Reorganization”).Unless the context otherwise requires, references in this Quarterly Report on Form 10-Q to “Flagstar,” "the Company," “the Bank,” “we,”“us,” and “our” used for periods prior to October 17, 2025 refer to Flagstar Financial, Inc., which was the parent holding company and theregistrant prior to the Reorganization, and, for periods after the Reorganization, to Flagstar Bank, National Association, in each case includingits consolidated subsidiaries. CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING LANGUAGE This report, like many written and oral communications presented by Flagstar and our authorized officers, may contain certain forward-looking statements regarding our prospective performance and strategies within the meaning of Section 27A of the Securities Act of 1933, asamended, and Section 21E of the Securities Exchange Act of 1934, as amended. We intend such forward