UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-31565 Flagstar Financial, Inc. (Exact name of registrant as specified in its charter) | Delaware | | 06-1377322 | | --- | --- | --- | | (State or other jurisdicti ...

FLAGSTAR FINANCIAL, INC. REPORTS SECOND QUARTER 2025 NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.19 PER DILUTED SHARE AND ADJUSTED NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.14 PER DILUTED SHARE | | | Second Quarter 2025 Summary | | --- | --- | --- | | | Asset Quality | Loans and Deposits | | • | Non-accrual loans declined 4% compared to Q1'25 | • CRE exposure down $2.4 billion or 5% compared to Q1'25 | | • | Criticized loans declined $2.2 billion or 15% since | • Multi-family loans down $1.5 ...

New York mayoral candidate, State Rep. Zohran Mamdani (D-NY) speaks to supporters during an election night gathering at The Greats of Craft LIC on June 24, 2025 in the Long Island City neighborhood of the Queens borough in New York City.Mamdani, who is now the likely favorite to win the general election in November, promised to freeze rent increases in stabilized units during his campaign. The New York City mayor has the power to appoint representatives to the regulatory board that oversees rent-controlled ...

Attorney Advertising Stamford, CT, June 12, 2025 (GLOBE NEWSWIRE) -- A class action lawsuit has been filed on behalf of all investors who held shares of Flagstar Bank N.A. (“Flagstar”) at the time of its merger with New York Community Bancorp, Inc. (“NYCB”) in December 2022. The lawsuit alleges that the combined company and certain of its executives misled Flagstar shareholders by overstating the company’s financial condition and failing to disclose critical risks—resulting in significant investor losses. I ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-31565 FLAGSTAR FINANCIAL, INC. (Exact name of registrant as specified in its charter) | Delaware | 06-1377322 | | --- | --- | | (State or other jurisdiction of i ...

| | | First Quarter 2025 Summary | | --- | --- | --- | | | Asset Quality | Loans, Deposits, and Funding | | • | Total ACL of $1,215 million or 1.82% of total loans HFI | • Continue to reduce total CRE exposure | | | compared to 1.83% in previous quarter | • Multi-family loans down $656 million or 2% | | • | Multi-family ACL coverage of 1.82% v. 1.87% in Q4'24 | • CRE loans down $326 million or 3% | | • | Multi-family with rent-regulated units equal to or greater | | | | than 50% ACL at 2.82% v. 2.89% in Q4' ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-31565 FLAGSTAR FINANCIAL, INC. (Exact name of registrant as specified in its charter) | Delaware | 06-1377322 | | --- | --- | | (State or other jurisdiction of incorp ...

102 Duffy Avenue, Hicksville, NY 11801 ● Phone: (516) 683-4420 ● flagstar.com FLAGSTAR FINANCIAL, INC. REPORTS FOURTH QUARTER 2024 GAAP NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.41 PER DILUTED SHARE AND NON-GAAP ADJUSTED NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.34 PER DILUTED SHARE | | | Fourth Quarter 2024 Summary | | | --- | --- | --- | --- | | | Asset Quality | | Loans, Deposits, and Funding | | • | Asset quality trends stabilizing: | • | Multi-family loans decreased $1.0 billion or 3% ...

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-16577 FLAGSTAR FINANCIAL, INC. (Exact name of registrant as specified in its charter) Registrant's telephone number, including area code: (516) 683-4100 | -- ...