FLAGSTAR FINANCIAL, INC. REPORTS SECOND QUARTER 2025 NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.19 PER DILUTED SHARE AND ADJUSTED NET LOSS ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.14 PER DILUTED SHARE

Second Quarter 2025 Summary

Asset Quality

Loans and Deposits

•          Non-accrual loans declined 4% compared to Q1'25

•          Criticized loans declined $2.2 billion or 15% since
           December 31, 2024

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