Flagstar Bank reports Q4 net income of $0.05 per share, up 23 basis points in NIM.

• Flagstar Bank reports Q4 2025 net income of $0.05 per diluted share • Adjusted net income of $0.06 per diluted share • Commercial and industrial lending commitments up 28% to $3 billion • Originations up 22% to $2.1 billion • Total C&I loans up $343 million or 2% QOQ • Net interest margin up 23 basis points to 2.14% • Credit quality improved with non-accrual loans down 8% QOQ • Provision declined 92% and net charge-offs improved to 0.30% of average loans • Digital data shows continued momentum in C&I lending growth