FLG · Flagstar Bank, National Association

Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") today announced the appointment of Eli H. Miller, Senior Managing Director at Liberty Strategic Capital ("Liberty"), to the Board of Directors, effective April 1, 2026. "We are delighted to welcome Mr. Miller to the Flagstar Bank Board of Directors," said Joseph M. Otting, Executive Chairman, President, and CEO. "His appointment represents a significant addition to our board as we execute our strategic plan and continue our transformation into a top-performing regional bank. Eli's extensive experience will be invaluable as we strengthen our market position, enhance operational excellence, and deliver sustainable shareholder returns. We look forward to his contributions to Flagstar's success and our mission to be the relationship-driven regional bank of choice." Mr. Miller has experience across government, industry, and financial services. He currently serves as a Senior Managing Director of Liberty, where he is a key member of Liberty's

Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") today announced the appointment of five senior technology leaders to accelerate the next phase of its Simple and Sophisticated ("S2") Bank platform transformation—the strategic initiative reshaping how more than one million customers interact with, experience, and benefit from Flagstar's products and services. S2 Bank Platform Transformation The S2 initiative is Flagstar's multi-year, comprehensive program to replace the complexity of three legacy banking environments with a unified, modern technology foundation built for the next decade of growth. S2 reimagines the Bank's technology architecture around the customer journey, ensuring every investment improves the speed, simplicity, and intelligence of the banking experience. The architecture was designed around a single idea that every customer touchpoint should be seamless, intelligent, and personal. From a business banker accessing a real-time Customer 360 view across deposits,

Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") has been recognized by Crisil Coalition Greenwich as Best Bank for Customer Service for Middle Market Banking in the U.S. for 2026. "Flagstar Bank is committed to providing best-in-class service to our clients and this recognition from Crisil Coalition Greenwich reinforces our dedication and commitment to our middle market business clients," said Joe Abruzzo, Head of Corporate and Regional Commercial Banking at Flagstar Bank. "We are proud to be recognized and look forward to continuing to provide deep expertise and bespoke solutions to help our clients reach their goals and aspirations." Previously, Flagstar had been recognized in 2025, as a top small business bank receiving the following awards: Best Bank – Likelihood to Recommend for Small Business Banking in the U.S. (Northeast) Best Bank – Customer Service for Small Business Banking in the U.S. Best Bank – Likelihood to Recommend for Small Business Banking

Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") will participate in the RBC Capital Markets 2026 Global Financial Institutions Conference in New York on Wednesday, March 11, 2026. Chairman, President, and Chief Executive Officer, Joseph Otting, Senior Executive Vice President and Chief Financial Officer, Lee Smith, and Senior Executive Vice President & President of Commercial and Private Banking, Richard Raffetto, are scheduled to take part in a fireside chat-style discussion at 2:40 p.m. Eastern Time. A simultaneous webcast of the presentation will be available on the Bank's website at ir.flagstar.com . A replay of the webcast will be available approximately 12 hours after the conclusion of the presentation and will be archived at the Bank's website through 5:00 p.m., on Wednesday, April 8, 2026. Flagstar Bank, N.A. Flagstar Bank, N.A. is one of the largest regional banks in the country and is headquartered in Hicksville, New York. At December 31, 2025, the Bank had

Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") today announced that Fitch Ratings ("Fitch") has upgraded several of the Banks's credit ratings, including raising the Bank's Long-Term Deposit rating to BBB- and Short-Term Deposit rating to F3, both investment grade ratings. In addition, Fitch raised Flagstar's Long-Term Issuer rating to BB+. According to Fitch, the upgrade is driven by the Bank's accelerating business transformation, progress in de-risking the loan portfolio, improving asset quality, its return to profitability, higher capital levels, and enhanced funding profile. In addition, the agency cited that the upgrades reflect the execution of Flagstar's balance sheet and business restructuring which has resulted in a lower commercial real estate concentration, lower wholesale borrowings and improved funding costs. "This ratings upgrade is another milestone for our organization," said Joseph M. Otting, Executive Chairman, President, and Chief Executive Officer of Flagstar Bank,

Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") today announced that Tuesday, June 9, 2026, has been established as the date of its 2026 Annual Meeting of Shareholders. The meeting will be held in a virtual format only, via live webcast, beginning at 10:00 a.m. Eastern Time. The record date for voting at the Annual Meeting has been set as April 10, 2026. Shareholders of the Bank as of the record date will be entitled to receive notice of, and vote at, the Annual Meeting. Further details regarding the Annual Meeting, including how to participate in the Annual Meeting, will be included in the Bank's Proxy Statement and Notice of Annual Meeting of Shareholders that will be sent to shareholders and also filed with the Office of the Comptroller of the Currency ("OCC") and made available on its website at www.occ.gov . We also voluntarily file with the Securities and Exchange Commission ("SEC"), and our filings there may be found at www.sec.gov . Details on the Annual Meeting will also

Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") today announced that its Board of Directors declared a quarterly cash dividend of $0.01 per share on the Bank's common stock. The dividend is payable on March 17, 2026, to common stockholders of record as of March 7, 2026. In addition, the Board of Directors declared quarterly cash dividends on three series of its preferred stock. A quarterly cash dividend on its Fixed-to-Floating Rate Noncumulative Perpetual Preferred Stock, Series A (NYSE: FLG PRA) at the rate of $15.94 per preferred share, which equates to $0.3984 for each depositary share. Each depositary share represents a 1/40th ownership interest in a share of the Series A preferred stock. The dividend is payable on March 17, 2026, to holders of record of Series A preferred stock as of March 7, 2026. A quarterly cash dividend on its Series B Noncumulative Convertible Preferred Stock of $3.3333 per share. The dividend is payable on March 17, 2026, to holders of record of

Flagstar Bank, N.A. (NYSE: FLG) (the "Bank") will participate in the Bank of America Securities 2026 Financial Services Conference in Miami, Florida on Tuesday, February 10, 2026. Senior Executive Vice President and Chief Financial Officer, Lee Smith and Senior Executive Vice President & President of Commercial and Private Banking, Richard Raffetto, are scheduled to take part in a fireside chat-style discussion at 3:30 p.m. Eastern Time. A simultaneous webcast of the presentation will be available at the Company's website, ir.flagstar.com . A replay of the webcast will be available within 24-hours of the conclusion of the presentation and will be archived at the Company's website, together with the accompanying PowerPoint slides, through 5:00 p.m., on Tuesday, March 10, 2026. Flagstar Bank, N.A. Flagstar Bank, N.A. is one of the largest regional banks in the country and is headquartered in Hicksville, New York. At December 31, 2025, the Bank had $87.5 billion of assets,

CONTINUED MOMENTUM IN C&I LENDING WITH COMMITMENTS UP 28% TO $3 BILLION AND ORIGINATIONS UP 22% TO $2.1 BILLION; TOTAL C&I LOANS UP $343 MILLION OR 2% COMPARED TO PRIOR QUARTER, DRIVEN BY GROWTH IN KEY STRATEGIC FOCUS AREAS NET INTEREST MARGIN UP 23 BASIS POINTS TO 2.14% QUARTER-OVER-QUARTER; AS ADJUSTED UP 14 BASIS POINT S TO 2.05% AS COST OF FUNDS DECLINED CREDIT QUALITY IMPROVED AS NON-ACCRUAL LOANS DECLINED 8% COMPARED TO PRIOR QUARTER WHILE PROVISION DECLINED 92% AND NET CHARGE-OFFS IMPROVED TO 0.30% OF AVERAGE LOANS FURTHER REDUCTION IN CRE EXPOSURE WITH CRE PAR PAYOFFS OF $1.8 BILLION, INCLUDING 50% IN SUBSTANDARD AND A CRE CONCENTRATION RATIO OF 381% COMPARED TO 405% IN PRIOR QUARTER STRONG EXPENSE MANAGEMENT WITH OPERATING EXPENSES DOWN 3% COMPARED TO PRIOR QUARTER AND DOWN 26% IN FULL-YEAR 2025 Flagstar Bank, N.A. (the "Bank") (NYSE: FLG), today reported results for the fourth quarter and full-year ended 2025. Flagstar Bank returned to profitability during the

Flagstar Bank, N.A. (NYSE: FLG), today announced the opening of its newest Private Client Office at 320 Park Avenue in New York City. The new location marks a major milestone in the Private Bank's strategic expansion and is designed to foster collaboration and strengthen client relationships with affluent and high-net-worth individuals, family offices, and professional service firms and their owners. "New York City has long been a cornerstone for us, home to a well-established private client, business owner, and commercial banking base, and one of our most important growth markets," said Mark Pittsey, Head of Private Banking and Wealth, Flagstar Bank. "When we made the decision to open this office, we wanted it to reflect who we are at our core—focused on relationships, rooted in white-glove service, and built around access to expertise. We wanted to create an experience that intersects with clients' aspirations, goals, lifestyles, and missions. We measure ourselves by our clients'