Financial Performance & Forecast - The company reported a net loss of $36 million, but an adjusted net loss of $23 million for Q3 2025[31] - Diluted loss per common share was $(0.11), with an adjusted diluted loss of $(0.07)[31] - The forecast for 2025 includes a net interest income of $1.7 billion to $1.75 billion and an adjusted diluted EPS of ($0.41) to ($0.36)[33] - The company anticipates a return to profitability in the fourth quarter of 2025[30] Commercial Banking & Loan Portfolio - Commercial & Industrial (C&I) loans held for investment totaled $14.874 billion as of September 30, 2025, with a quarterly increase of $448 million, or 3.1%[10] - Specialized Industries & Corporate/Regional Commercial Banking saw a $1.108 billion increase, or 27.5% QoQ, reaching $5.142 billion[10] - Multi-family loans held-for-investment decreased by $1.5 billion, or 4.6% QoQ[9] - CRE (Commercial Real Estate) decreased by $0.5 billion, or 4.4% QoQ[9] Asset Quality & Capital - Net charge-offs decreased by $44 million, reducing the net charge-off ratio by 26 basis points to 0.46%[9] - The Common Equity Tier 1 (CET1) ratio stands at 12.45%[47] - Deposits decreased by $0.6 billion, or 0.9% quarter over quarter, primarily driven by a $2.0 billion decrease in brokered deposits[53]
Flagstar Financial, lnc.(FLG) - 2025 Q3 - Earnings Call Presentation