纽约社区银行 2025年度报告

FORM 11-K (Mark One) ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THEFISCAL YEAR ENDED DECEMBER31, 2025 OR TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File No.: 001-31565 A.Full title of the plan and the address of the plan, if different from that of the issuer named below: Flagstar Bank, National Association Employee Savings Plan (formerly known as the Flagstar Financial, Inc. Employee Savings Plan) B.Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: Flagstar Bank, National Association102 Duffy AvenueHicksville, NY 11801 Flagstar Bank, National AssociationEmployee Savings Plan(formerly known as the Flagstar Financial, Inc. Employee Savings Plan) Table of Contents Financial Statements: Supplemental Schedules* Exhibit Index SIGNATURE11 Report of Independent Registered Public Accounting Firm To the Plan Administrator and Participants ofFlagstar Bank, National Association Employee Savings Plan Opinion on the Financial Statements We have audited the accompanying statement of net assets available for benefits of the Flagstar Bank, National Association EmployeeSavings Plan (formerly known as Flagstar Financial, Inc. Employee Savings Plan) (the Plan) as of December31, 2025, the relatedstatement of changes in net assets available for benefits for the year then ended, and the related notes (collectively referred to as thefinancial statements). In our opinion, the financial statements present fairly, in all material respects, the net assets available for benefitsof the Plan as of December31, 2025, and the changes in net assets available for benefits for the year then ended in conformity withaccounting principles generally accepted in the United States of America. Basis for Opinion These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on the Plan’sfinancial statements based on our audit. We are a public accounting firm registered with the Public Company Accounting OversightBoard (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S. federalsecurities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB. We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit toobtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud.The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part ofour audit, we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressingan opinion on the effectiveness of the Plan’s internal control over financial reporting. Accordingly, we express no such opinion. Our audit included performing procedures to assess the risks of material misstatement of the financial statements, whether due to erroror fraud, and performing procedures to respond to those risks. Such procedures included examining, on a test basis, evidence regardingthe amounts and disclosures in the financial statements. Our audit also included evaluating the accounting principles used andsignificant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe thatour audit provides a reasonable basis for our opinion. Opinion on the Supplemental Information The supplemental information included in Schedule H, Line 4(i) – Schedule of Assets (Held at End of Year) as of December31, 2025and Schedule H, Line 4(a) – Schedule of Delinquent Participant Contributions for the year ended December31, 2025 has beensubjected to audit procedures performed in conjunction with the audit of the Plan’s financial statements. The supplemental informationis the responsibility of the Plan's management. Our audit procedures included determining whether the supplemental informationreconciles to the financial statements or the underlying accounting and other records, as applicable, and performing procedures to testthe completeness and accuracy of the information presented in the supplemental information. In forming our opinion on thesupplemental information in the accompanying schedules, we evaluated whether the supplemental information, including its form andcontent, is presented in conformity with Department of Labor’s Rules and Regulations for Reporting and Disclosure under theEmployee Retirement Income Security Act of 1974. In our opinion, the supplemental information in the accompanying schedules isfairly stated, in all material respects, in relation to the financial statements as a whole. /s/ Baker Tilly US, LLPSan Francisco, CaliforniaJune10, 2026We have served as the Plan's auditor sinc