# EDGAR Filing Document

**Accession Number:** 0000910073
**File Stem:** 0002026122-26-000002
**Filing Date:** 2026-2
**Character Count:** 7555
**Document Hash:** 4400a55888a81317abab4248e55836e1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002026122-26-000002.hdr.sgml**: 20260206

**ACCESSION NUMBER**: 0002026122-26-000002

**CONFORMED SUBMISSION TYPE**: 4

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20250304

**FILED AS OF DATE**: 20260206

**DATE AS OF CHANGE**: 20260206

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Raffetto Richard A
- **CENTRAL INDEX KEY:** 0002026122

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-31565
- **FILM NUMBER:** 26609204

**MAIL ADDRESS:**
- **STREET 1:** 102 DUFFY AVENUE
- **CITY:** HICKSVILLE
- **STATE:** NY
- **ZIP:** 11801
**ISSUER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FLAGSTAR BANK, NATIONAL ASSOCIATION
- **CENTRAL INDEX KEY:** 0000910073
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 382734984
- **FISCAL YEAR END:** 1231

**BUSINESS ADDRESS:**
- **STREET 1:** 102 DUFFY AVENUE
- **CITY:** HICKSVILLE
- **STATE:** NY
- **ZIP:** 11801
- **BUSINESS PHONE:** 5166834100

**MAIL ADDRESS:**
- **STREET 1:** 102 DUFFY AVENUE
- **CITY:** HICKSVILLE
- **STATE:** NY
- **ZIP:** 11801

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FLAGSTAR FINANCIAL, INC.
- **DATE OF NAME CHANGE:** 20241101

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NEW YORK COMMUNITY BANCORP, INC.
- **DATE OF NAME CHANGE:** 20240311

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NEW YORK COMMUNITY BANCORP INC
- **DATE OF NAME CHANGE:** 20001128

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM 4

### STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

[ ] Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Raffetto Richard A<br><sub>(Last) (First) (Middle)</sub><br>102 DUFFY AVENUE<br><sub>(Street)</sub><br>HICKSVILLE, NY 11801<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-03-04 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [ ] 10% Owner<br>[X] Officer (give title below) [ ] Other (specify below)<br>_SEVP Pres of Com & Priv Bnking_ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>FLAGSTAR BANK, NATIONAL ASSOCIATION [ NYSE:FLG ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[X] Form filed by One Reporting Person<br>[ ] Form filed by More than One Reporting Person |

---

## Table I - Non-Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | 3. Transaction Code (V) | 3. Transaction Code (V) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | Code | V | Amount | (A) or (D) | Price | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| Common Stock | 2025-03-04 |  | I |  | 570<sup>(1)</sup> | A | $11.85 | 1122<sup>(2)</sup> | I | By 401(k) Plan |
| Common Stock | 2025-06-04 |  | I |  | 92<sup>(1)</sup> | A | $11.67 | 1215<sup>(3)</sup> | I | By 401(k) Plan |
| Common Stock | 2025-09-04 |  | S |  | 4<sup>(4)</sup> | D | $12.93 | 1212<sup>(5)(6)</sup> | I | By 401(k) Plan |
| Common Stock | 2025-12-04 |  | P |  | 95<sup>(4)</sup> | A | $12.85 | 1386<sup>(6)(7)</sup> | I | By 401(k) Plan |

---

## Table II - Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | 4. Transaction Code (V) | 4. Transaction Code (V) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 6. Date Exercisable and Expiration Date | 6. Date Exercisable and Expiration Date | 7. Title and Amount of Underlying Securities | 7. Title and Amount of Underlying Securities | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | Code | V | (A) | (D) | Date Exercisable | Expiration Date | Title | Amount or Number of Shares | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

### Footnotes:

(1) Intra-Plan Transfer by the reporting person within the Issuer's qualifying 401(k) Plan, are exempt pursuant to Rule 16b3(f).

(2) Includes 552 shares acquired from routine payroll contributions within the Issuer's qualifying 401(k) Plan.

(3) Includes .47 shares that were acquired due to dividend reinvestment in the Plan on March 17, 2025, which with aggregated fractional shares which resulted in an increase in whole shares.

(4) Intra-Plan Transfer by the reporting person within the Issuer's qualifying 401(k) Plan.

(5) Includes 1 share that was acquired as a result of dividend reinvestment on June 17, 2025.

(6) On September 4, 2025, shares of common stock of the Issuer were transferred out of the stock fund of the reporting person's 401(k) plan due to the instructions to rebalance certain securities within the 401(k) plan.  On December 4, 2025, the 401(k) plan was rebalanced and shares of common stock of the Issuer were transferred back into the Issuer stock fund within the 401(k) plan which created two matchable transactions.  The profit realized by these transactions was disgorged to the Issuer.

(7) Includes 1 share that was acquired on September 17, 2025, and 1 share acquired on December 17, 2025 both from dividend reinvestment, and 77 shares acquired from routine payroll contributions in January 2026.

**Signature:** /s/ Jan M. Klym, by Power of Attorney  
**Date:** 2026-02-06

### Remarks:

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

**Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.**