Flagstar Bank, N.A. (FLG) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello and welcome to the Flagstar Bank NA third quarter 2025 earnings call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. And if you would like to ask a question during this time, please press star one on your telephone keypad. I would now like to turn the conference over to Sal DiMartino, Director of Investor Relations. You may begin. Thank you, Sarah, and good morning, everyone. Welcome to Flagstar Bank NA's third quarter 2025 earnings call. This morning, our Chairman, President, and CEO, Joseph Otting, along with the company's Senior Executive Vice President and Chief Financial Officer, Lee Smith, will discuss our results for the quarter and the outlook. During this call, we will be referring to a presentation which provides additional detail on our quarterly results and operating performance. Both the earnings presentation and the press release can be found on the investor relations section of our company website at ir.flagstart.com. Also, before we begin, I'd like to remind everyone that certain comments made today by the management team may include forward-looking statements within the meanings of the Private Securities Litigation Reform Act of 1995. such forward-looking statements we may make are subject to the safe harbor rules please refer to the forward-looking disclaimer and safe harbor language in today's press release and presentation for more information about risks and uncertainties which may affect us when discussing our results we will reference certain non-gap measures which exclude certain items from reported results please refer to today's earnings release for reconciliations of these non-GAAP measures. And with that, I would now like to turn it to Mr. ...