FLAGSTAR BANK, NATIONAL ASSOCIATION — Form 8-K
Filed July 24, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 52/100
What the filing says
Flagstar Bank reported Q2 2026 net income of $34 million ($0.06/diluted share; $0.05 adjusted), reversing a $70 million loss in Q2 2025. The bank announced a $250 million share repurchase program over 12 months. Key operational moves: C&I loans grew $2.0 billion (12% QoQ) to $18.6 billion on $2.8 billion originations; total deposits increased $689 million; CRE concentration improved from 367% to 350%; cost of deposits fell 5 bps. Pre-provision net revenue (PPNR) was $66 million (adjusted $62 million), up 51% QoQ. CET1 ratio stood at 13.16% with $1.6 billion excess capital above 10.5% target.
Why this rating
Profitable momentum, loan growth, and capital return are material but execution risk remains. CRE/multifamily headwinds persist; Q2 is inflection point not trend.
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