Schedule H, Line 4i - Schedule of Assets (Held At End of Year)

12 Months Ended

Dec. 31, 2025

EBP 004

EBP, Schedule of Asset Held for Investment [Line Items]

EBP, Schedule of Asset Held for Investment

Schedule H, Line 4i - Schedule of Assets (Held at End of Year)

December 31, 2025


Identity of issue						Description of investment						Number of shares/units						Current value
Common stock of employer:
*Flagstar Bank, National Association						Common Stock						4,340,225						$	54,643,430

Mutual funds:

MFS						New Discovery Value R6						286,023						$	4,828,073

Principal						Smallcap Growth I R6						384,984						5,928,752


Vanguard						Institutional Index Instl Pl						220,758						121,873,655
Vanguard						Mid Cap Index I						532,757						42,290,272
Vanguard						Small Cap Index I						193,082						23,861,018
Vanguard						Total Bond Market Index Inst						2,097,489						20,492,463
Vanguard						Total Intl Stock Index Instl						116,132						18,823,825
Victory						Sycamore Established Value R6						201,050						9,059,322
Dreyfus						Government Cash Mgmt Instl						525,055						525,055
						Subtotal Mutual Funds												$	247,682,435

Variable annuities:
JPMorgan						Equity Incm Fund						2,496,828						$	30,627,000
PGIM						Total Return Bond Fund						893,020						12,695,552
						Subtotal Variable Annuities												$	43,322,552
Collective trust funds:
Fidelity						Freedom 2010 Cmgld Pool D						80,760						$	1,079,758
Fidelity						Freedom 2015 Cmgld Pool D						46,238						647,330
Fidelity						Freedom 2020 Cmgld Pool D						688,696						10,089,397
Fidelity						Freedom 2025 Cmgld Pool D						2,254,787						34,317,852
Fidelity						Freedom 2030 Cmgld Pool D						3,615,305						57,085,673
Fidelity						Freedom 2035 Cmgld Pool D						3,848,302						64,689,954
Fidelity						Freedom 2040 Cmgld Pool D						3,012,368						54,523,862
Fidelity						Freedom 2045 Cmgld Pool D						2,946,299						54,801,169
Fidelity						Freedom 2050 Cmgld Pool D						2,487,056						46,259,235
Fidelity						Freedom 2055 Cmgld Pool D						1,750,970						32,568,049
Fidelity						Freedom 2060 Cmgld Pool D						905,701						16,846,040
Fidelity						Freedom 2065 Cmgld Pool D						324,084						6,027,964
Fidelity						Freedom Cmgld Pool D						772,174						9,906,999
Fidelity						Growth Compy Commingled Pl						1,626,288						144,235,474
MFS						International Equity Cit Cl Ct						306,409						3,528,547
MFS						Mid Cap Growth Cit Cl Ct						104,074						1,819,572
Reliance MetLife						Gac Series 25053 Cl M						390,752						44,784,140
						Subtotal Collective Trust Funds												$	583,211,015

Participant loans:
*Participant loans						3,188 loans to participants with interest rates of 2.25% to 9.50% with maturities up to 30 years												$	16,285,263
																		$	945,144,695

*Parties-in-interest as defined by ERISA.

See accompanying Report of Independent Registered Public Accounting Firm.