Form 4 Filing by Gagnon Kris

This Form 4 filing details transactions by Gagnon Kris, Sr EVP & Chief Credit Officer of FLAGSTAR BANK, NATIONAL ASSOCIATION. On March 15, 2026, Kris surrendered 6,051 shares of common stock to the issuer to cover tax obligations related to lapsed restrictions. These shares were disposed of with a transaction price of $0. Following this transaction, Kris owns 44,539 shares. The total shares owned include service-based restricted stock units that vest over time. The filing is marked as not subject to Section 16.