Flagstar Bank (FLG) investor relations material

Leadership and organizational structure

• Leadership contract extended through March 2028, reflecting board confidence.

• Co-Presidents and Co-COOs roles formalized, expanding executive responsibilities.

• New management team assembled from both banking and regulatory backgrounds.

• Leadership structure aims to drive synergies and operational efficiency.

Strategic priorities and growth plans

• Three-year plan targets top 25 regional bank status by 2027, focusing on diversified earnings.

• Emphasis on risk governance, customer-centricity, and balanced earnings from C&I, CRE, and consumer segments.

• Returned to profitability in Q4 last year and Q1 this year, fueling internal momentum.

Commercial banking and loan growth

• C&I loan growth strategy centers on hiring experienced bankers and expanding in key geographies.

• Over 15 specialized industry verticals established, outperforming productivity expectations.

• C&I loans grew 9% in Q1, with expectations to exceed 10% growth in Q2.

• Overall balance sheet growth projected at $1 billion this quarter, marking an inflection point.

• Anticipates quarterly balance sheet expansion of several billion dollars, aiming for $100 billion.