Flushing Financial (FFIC) Registration Filing summary

Company overview and business model

• Registered as a Delaware corporation and financial holding company under the Bank Holding Company Act of 1956.

• Principal executive offices located in Uniondale, New York, with operations conducted through subsidiaries.

• Common stock is traded on the NASDAQ Global Select Market under the symbol “FFIC.”

Risk factors and disclosures

• Exposed to risks from interest rate changes, loan mix, liquidity management, and competitive markets.

• Subject to risks from economic conditions, regulatory changes, cybersecurity threats, and climate change impacts.

• Risk factors are detailed in the annual report on Form 10-K and incorporated by reference.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used as specified in the applicable prospectus supplement for each offering.