Flagstar Bank, National Association (FLG)

FLG Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	3,467	4,369	4,509	1,848	1,525	1,542
Interest Income on Investments	1,299	1,584	982	244	164	166
Total Interest Income	4,766	5,953	5,491	2,092	1,689	1,708
Interest Paid on Deposits	2,355	2,576	1,758	383	114	306
Interest Paid on Borrowings	696	1,225	656	313	286	302
Total Interest Expense	3,051	3,801	2,414	696	400	608
Net Interest Income	1,715	2,152	3,077	1,396	1,289	1,100
Net Interest Income Growth (YoY)	-29.45%	-30.06%	120.42%	8.30%	17.18%	14.94%
Gain (Loss) on Sale of Investments	22	-	-	-	-	1
Other Non-Interest Income	275	384	467	83	61	60
Total Non-Interest Income	415	521	556	88	61	61
Non-Interest Income Growth (YoY)	-16.16%	-6.30%	531.82%	44.26%	-	-27.38%
Revenues Before Loan Losses	2,130	2,673	3,633	1,484	1,350	1,161
Provision for Loan Losses	326	1,092	833	133	3	62
Revenue	1,804	1,581	2,800	1,351	1,347	1,099
Revenue Growth (YoY)	26.42%	-43.54%	107.25%	0.30%	22.57%	6.29%
Salaries and Employee Benefits	971	1,209	1,102	325	272	272
Occupancy Expenses	128	136	114	64	61	86
Federal Deposit Insurance	210	313	126	-	-	-
Amortization of Goodwill & Intangibles	112	136	126	5	-	-
Selling, General & Administrative	814	938	757	215	185	153
Total Non-Interest Expense	2,235	2,732	2,225	609	518	511
EBT Excluding Unusual Items	-431	-1,151	575	742	829	588
Other Unusual Items	-	-121	2,131	159	-	-
Pretax Income	-481	-1,378	-50	826	806	588
Income Tax Expense	-87	-260	29	176	210	77
Net Income	-394	-1,118	-79	650	596	511
Preferred Dividends & Other Adjustments	33	35	38	41	40	39
Net Income to Common	-427	-1,153	-117	609	556	472
Net Income Growth	-	-	-	9.06%	16.63%	29.37%
Basic Shares Outstanding	415	331	238	161	155	154
Diluted Shares Outstanding	415	331	238	162	155	154
Shares Change (YoY)	44.80%	39.02%	47.10%	4.41%	0.29%	-0.51%
EPS (Basic)	-1.03	-3.49	-0.49	3.78	3.60	3.06
EPS (Diluted)	-1.04	-3.49	-0.49	3.77	3.60	3.06
EPS Growth	-	-	-	4.84%	17.51%	32.59%
Dividend Per Share	0.040	0.200	2.040	2.040	2.040	2.040
Dividend Growth	-94.29%	-90.20%	-	-	-	-
Effective Tax Rate	-	-	-	21.31%	26.05%	13.10%

Updated Oct 24, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q