102 Duffy Avenue, Hicksville, NY 11801 ● Phone: (516) 683-4420 ● flagstar.com FLAGSTAR BANK, N.A. REPORTS THIRD QUARTER 2025 NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.11 PER DILUTED SHARE AND ADJUSTED NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF$0.07 PER DILUTED SHARE | | | Third Quarter 2025 Summary | | --- | --- | --- | | | Asset Quality | Loans and Deposits | | • | Criticized/Classified loans declined $2.8 billion or 19% | • Continued momentum in C&I lending with overall | | | since December ...