FLAGSTAR BANK, NATIONAL ASSOCIATION

FLG · XNYS

CIK 910073fmd_0NMV8VBC943AP1BETCP8YQJ99VFinance, Insurance and Real Estate · Savings Institutions, Not Federally CharteredTemplate: Financials

Coverage: Jan 01, 2007 to Sep 30, 2026, 75 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	1,675	1,582	1,690	1,805	1,708	1,689	2,092	5,491	5,953	4,466
Total revenues	33	32	30	29	22	23	27	5,764	2,552	2,062
Rental revenue	–	–	10	10	–	–	–	–	–	–
Net interest income	1,287	1,130	1,031	957	1,100	1,289	1,396	3,077	2,152	1,721
Commissions and fees	33	32	–	–	–	–	–	–	–	–
Provision for credit losses	4	37	18	7	62	3	133	833	1,092	184
Real estate taxes	5	5	–	–	–	–	–	–	–	–
Realized investment gains (losses)	3	30	(2)	8	–	0	(2)	0	0	31
Net interest income after provision	1,283	1,093	1,013	950	1,038	1,286	1,263	2,244	1,060	1,537
Non-interest income	146	217	92	84	61	61	247	2,687	400	341
Selling, general and administrative	188	179	129	120	124	127	158	–	–	–
Compensation and benefits	352	364	317	302	301	303	354	1,149	1,263	976
Total operating expenses	638	641	547	511	511	518	604	–	–	–
Non-interest expense	652	641	547	511	511	541	684	4,981	2,838	2,076
Interest expense	387	452	659	848	608	400	696	2,414	3,801	2,745
Income before taxes	777	668	558	523	588	806	826	(50)	(1,378)	(198)
Income tax expense	282	202	135	128	77	210	176	29	(260)	(21)
Net income from continuing operations	495	466	422	395	511	596	650	(79)	(1,118)	(177)
Net income	495	466	422	395	511	596	650	(79)	(1,118)	(177)
Net income to common shareholders	495	442	390	362	478	563	617	(112)	(1,153)	(210)