<SEC-DOCUMENT>0000910073-25-000160.txt : 20251021
<SEC-HEADER>0000910073-25-000160.hdr.sgml : 20251021
<ACCEPTANCE-DATETIME>20251020204043
ACCESSION NUMBER:		0000910073-25-000160
CONFORMED SUBMISSION TYPE:	S-8 POS
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251021
DATE AS OF CHANGE:		20251020
EFFECTIVENESS DATE:		20251021

FILER:

	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

	FILING VALUES:
		FORM TYPE:		S-8 POS
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-218358
		FILM NUMBER:		251405193

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-8 POS
<SEQUENCE>1
<FILENAME>a333-218358bankoccformsx8r.htm
<DESCRIPTION>S-8 POS
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="iea0eda1068994120b21fe70ad013eb81_42"></div><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:8pt;font-weight:700;line-height:120%">As filed with the Securities and Exchange Commission on October 21, 2025 </font></div><div style="text-align:center"><font><br></font></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:8pt;font-weight:700;line-height:120%">Registration No.&#160;333-218358 </font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt;padding-left:2.77pt;padding-right:2.77pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:1pt;font-weight:400;line-height:1.00pt">&#160;</font></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1pt;padding-left:2.77pt;padding-right:2.77pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:1pt;font-weight:400;line-height:1.00pt">&#160;</font></div></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">UNITED STATES</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:8pt;font-weight:700;line-height:120%">Washington, D.C. 20549</font></div><div style="padding-left:216pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:20.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt;padding-left:2.77pt;padding-right:2.77pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:2pt;font-weight:400;line-height:4.00pt">&#160;</font></div></td></tr></table></div><div style="margin-top:2pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:700;line-height:120%">POST-EFFECTIVE AMENDMENT NO. 1 TO</font></div><div style="margin-top:2pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:11pt;font-weight:700;line-height:120%">FORM S-8 REGISTRATION STATEMENT NO. 333-218358</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">UNDER </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:8pt;font-style:italic;font-weight:700;line-height:120%">THE SECURITIES ACT OF 1933 <br></font></div><div style="padding-left:216pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:20.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt;padding-left:2.77pt;padding-right:2.77pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:4pt;font-weight:400;line-height:4.00pt">&#160;</font></div></td></tr></table></div><div style="margin-top:2pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:16pt;font-weight:700;line-height:120%">FLAGSTAR BANK, NATIONAL ASSOCIATION</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:8pt;font-weight:700;line-height:120%">(Exact name of registrant as specified in its charter) </font></div><div style="padding-left:216pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:20.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt;padding-left:2.77pt;padding-right:2.77pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:4pt;font-weight:400;line-height:4.00pt">&#160;</font></div></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:100%">United States of America</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:100%">38-2734984</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7pt;font-weight:700;line-height:120%">(State or other jurisdiction of</font></div><div style="margin-bottom:1pt;padding-right:-2.63pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7pt;font-weight:700;line-height:120%">incorporation or organization)</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.63pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7pt;font-weight:700;line-height:120%">(IRS Employer</font></div><div style="margin-bottom:1pt;padding-right:-2.63pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7pt;font-weight:700;line-height:120%">Identification No.)</font></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:100%">102 Duffy Avenue, Hicksville, New York</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:100%">11801</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7pt;font-weight:700;line-height:100%">(Address of Principal Executive Offices)</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7pt;font-weight:700;line-height:100%">(Zip Code)</font></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:700;line-height:120%">New York Community Bancorp, Inc. Employee Savings Plan, as Amended and Restated</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%"> (Full title of the plan) </font></div><div style="margin-top:2pt;text-align:center"><font><br></font></div><div style="margin-top:2pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">Joseph M. Otting </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">President and Chief Executive Officer and Executive Chairman</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">102 Duffy Avenue </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">Hicksville, New York 11801 </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7pt;font-weight:700;line-height:120%">(Name and address of agent for service) </font></div><div style="margin-top:2pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">(516) 683-4100 </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:7pt;font-weight:700;line-height:120%">(Telephone number, including area code, of agent for service) </font></div><div style="padding-left:216pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:20.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt;padding-left:2.77pt;padding-right:2.77pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:4pt;font-weight:400;line-height:4.00pt">&#160;</font></div></td></tr></table></div><div style="margin-top:2pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Copies To&#58; </font></div><div style="margin-top:2pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">Bao Nguyen </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">Senior Executive Vice President, General Counsel and Chief of Staff </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">102 Duffy Avenue </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">Hicksville, New York 11801 </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">(516) 683-4100 </font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">H. Rodgin Cohen</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">Jared Fishman</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">Sullivan &#38; Cromwell LLP</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">125 Broad Street</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">New York, New York 10004-2498</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:700;line-height:120%">(212) 558-4000</font></div><div style="padding-left:216pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:20.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt;padding-left:2.77pt;padding-right:2.77pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:4pt;font-weight:400;line-height:4.00pt">&#160;</font></div></td></tr></table></div><div style="margin-top:2pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:400;line-height:120%">Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule&#160;12b-2 of the Exchange Act. </font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:16.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:55.825%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.922%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:1.948%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:400;line-height:100%">Large&#160;accelerated&#160;filer</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#9746;</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:400;line-height:100%">Accelerated&#160;filer</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#9744;</font></td></tr><tr style="height:6pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td 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style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:4.57pt;padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:2pt;font-weight:400;line-height:2.00pt">&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:4.57pt;padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:2pt;font-weight:400;line-height:2.00pt">&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:400;line-height:100%">Emerging growth company</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#9744;</font></td></tr></table><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:400;line-height:120%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;7(a)(2)(B) of the Securities Act.</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#9744;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:9pt;font-weight:400;line-height:120%"> </font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.75pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt;padding-left:2.77pt;padding-right:2.77pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:1pt;font-weight:400;line-height:1.00pt">&#160;</font></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:1pt;padding-left:2.77pt;padding-right:2.77pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:1pt;font-weight:400;line-height:1.00pt">&#160;</font></div></td></tr></table></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><div id="iea0eda1068994120b21fe70ad013eb81_45"></div><hr style="page-break-after:always"><div style="min-height:49.68pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">EXPLANATORY NOTE</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">This Post-Effective Amendment (the &#8220;Post-Effective Amendment&#8221;) relates to the Registration Statement on Form S-8 (File No. 333-218358) (the &#8220;Registration Statement&#8221;), filed by Flagstar Financial, Inc. f&#47;k&#47;a New York Community Bancorp., Inc. (the &#8220;Predecessor&#8221;) with the Securities and Exchange Commission (the &#8220;Commission&#8221;).  </font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">The Registration Statement originally covered registration of 7,944,572 shares of common stock (&#8220;Common Stock&#34;) and 906,057 shares of depository shares, each representing a 1&#47;40</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%"> interest in a share of Predecessor Fixed-to-Floating Rate Series A Noncumulative Perpetual preferred Stock, par value $0.01 per share (&#8220;Depository Shares&#8221;) that may be purchased with participant funds held in the Predecessor Employee Savings Plan, as amended and restated (&#8220;401(k) Plan&#8221;) in accordance with the Internal Revenue Code (Section 401(a)) and ERISA. Pursuant to Rule 416(c) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), this registration statement covered an indeterminate number of plan interests to be offered and sold pursuant to the 401(k) Plan. In addition, pursuant to Rule 416(a) under the Securities Act, this registration statement covered such additional shares as may be issued by reason of stock splits, stock dividends or similar transactions. This Post-Effective Amendment is being filed pursuant to Part 16 of the regulations promulgated by the Office of the Comptroller of the Currency (the &#8220;OCC&#8221;), including 12 C.F.R. &#167; 16.15, to reflect the completion by the Predecessor of an internal reorganization to streamline and simplify its corporate structure (the &#8220;Reorganization&#8221;), pursuant to which the Predecessor merged with and into Flagstar Bank, National Association, a banking association organized under the laws of the United States (the &#8220;Issuer&#8221;), with the Issuer continuing as a publicly-traded company. In the Reorganization, which was completed on October 17, 2025, each share of the issued and outstanding common stock, $0.01 par value per share, of the Predecessor (&#8220;Predecessor CommonStock&#8221;) was converted into one share of common stock, par value $0.01 per share, of the Issuer (&#8220;Issuer Common Stock&#8221;), having substantially the same rights, powers, preferences, qualifications, limitations and restrictions as the Predecessor Common Stock. In the Reorganization, each share of the issued and outstanding Series A preferred stock of the Predecessor, par value $0.01 per share, was converted into one share of Series A preferred stock, par value $0.01 per share, of the Issuer, having substantially the same rights, powers, preferences, qualifications, limitations and restrictions as the Predecessor Common Stock. </font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the Reorganization, the Issuer became the successor issuer to the Predecessor pursuant to Rule 12g-3 under the Securities and Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;). </font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Reorganization, the Issuer assumed the sponsorship of the 401(k) Plan from the Predecessor.  Each interest in the 401(k) Plan that was outstanding immediately prior to the Reorganization continues to be maintained under the same terms and conditions as were in effect immediately prior to the completion of the Reorganization, except such interests now provide for investment in shares of Common Stock of the Issuer rather than shares of Common Stock of Predecessor.</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer, as the successor registrant to the Predecessor, hereby expressly adopts this registration statement as its own for all purposes of the Exchange Act and the regulations promulgated by the OCC contained in 12 C.F.R. Part 16.</font></div><div style="margin-top:24pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">PART I </font></div><div style="margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS </font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Items 1 (Plan Information) and 2 (Registration Information and Employee Plan Annual Information)</font></div><div style="margin-top:12.4pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">The documents containing the information for the Incentive Plan specified by Part I of this registration statement will be separately sent or given to employees participating in the 401(k) Plan as specified by Rule 428(b)(1) of the Securities Act.  Such documents need not be filed with the OCC either as a part of this registration statement or as a prospectus or prospectus supplement pursuant to Rule 424, in reliance on Rule 428.  Such documents and the information incorporated by reference pursuant to Item 3 of Part II of this registration statement, taken together, constitute a prospectus for the registration statement. </font></div><div style="height:60.48pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:49.68pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12.4pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">PART II</font></div><div style="margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">INFORMATION REQUIRED IN THE REGISTRATION STATEMENT </font></div><div style="text-align:center"><font><br></font></div><div style="padding-left:61.2pt;text-indent:-55.1pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Item&#8201;3.&#160;&#160;&#160;&#160;Incorporation of Documents by Reference </font></div><div style="padding-left:61.2pt;text-indent:-55.1pt"><font><br></font></div><div style="text-indent:30.55pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">The following documents filed with the Commission by the Issuer (or the Predecessor prior to the Reorganization) are incorporated by reference into this registration statement&#58; </font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="padding-left:54.55pt;text-indent:-24pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:12.91pt">The Predecessor&#8217;s Annual Report on Form 10-K for the year ended December&#160;31, 2024, filed with the Commission on March&#160;4, 2025 (and the related Notification of Late Filing on Form 12b-25 filed with the Commission in connection therewith on March 4, 2025)&#59; </font></div><div style="padding-left:54.55pt"><font><br></font></div><div style="padding-left:54.55pt;text-indent:-24pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:12.34pt">The portions of the Predecessor&#8217;s Definitive Proxy Statement on Schedule 14A, filed with the Commission on April 25, 2025, that are incorporated by reference in Part III of the Predecessor&#8217;s Annual Report on Form 10-K for the year ended December 31, 2024&#59;</font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:54.55pt;text-indent:-24pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:12.91pt">The Predecessor&#8217;s (i) Quarterly Report on Form 10-Q for the quarter ended March 31, 2025, filed with the Commission on May 9, 2025, and (ii) Quarterly Report on Form 10-Q for the quarter ended June 30, 2025, filed with the Commission on August 7, 2025&#59;</font></div><div style="padding-left:54.55pt"><font><br></font></div><div style="padding-left:54.55pt;text-indent:-24pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:12.34pt">The Predecessor&#8217;s Current Reports on Form 8-K  filed with the Commission on March 21, 2025 (amending, only with respect to Item 5.02, a Current Report on Form 8-K filed on March 8, 2024), June 6, 2025, July 7, 2025, July 24, 2025 (only with respect to Item 1.01), August 22, 2025 and October 7, 2025 (except in all cases for the information in such Current Reports on Form 8-K that has been furnished rather than filed in accordance with SEC rules)&#59; and &#160;</font></div><div style="padding-left:54.55pt"><font><br></font></div><div style="padding-left:54.55pt;text-indent:-24pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(e)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:12.91pt">The description of the Predecessor&#8217;s Common Stock set forth in the applicable Registration Statement on Form 8-A filed pursuant to Section&#160;12 of the Exchange Act, and any amendment or report filed with the Commission for the purpose of updating such description, including the Issuer&#8217;s Current Report on Form 8-K filed with the Commission on October 20, 2025.   </font></div><div style="padding-left:54.55pt"><font><br></font></div><div style="padding-left:54.55pt;text-indent:-24pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(f)</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.01pt">The description of the general terms and provisions of the Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, liquidation preference $1,000 per share, par value $0.01 per share (&#8220;Series A Preferred Stock&#8221;), of the Registrant as well as the description of the Registrant&#8217;s Depositary Shares, each representing a 1&#47;40</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%"> interest a share of the Series A Preferred Stock registered pursuant to Section 12(g) of the Exchange Act, is contained in the Registrant&#8217;s Form 8-A12B filed with the SEC on October 17, 2025.</font></div><div style="margin-top:12pt;text-indent:30.55pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">In addition, all documents filed by the Issuer pursuant to Section&#160;13(a), 13(c), 14 and 15(d) of the Exchange Act (other than those documents or portions of those documents that may be &#8220;furnished&#8221; and not filed with the Commission), subsequent to the effective date of this registration statement, prior to the filing of a post-effective amendment that indicates that all shares of Issuer Common Stock offered hereby have been sold or that deregisters any shares of such Issuer Common Stock then remaining unsold (in each case other than those portions furnished under items 2.02, 7.01 and 9.01 of Form 8-K, including the related exhibits under Item 9.01, unless, and only to the extent, specified in any Current Report on Form 8-K), shall also be deemed to be incorporated by reference into this registration statement and to be a part hereof from the date of filing of such documents. </font></div><div style="margin-top:12pt;text-indent:30.55pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Any statement contained in this registration statement or in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this registration statement to the extent that a statement contained or incorporated by reference herein or in any subsequently filed document that is deemed to be incorporated by reference herein modifies or supersedes such statement. Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this registration statement. </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Item&#8201;4. Description of Securities </font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Not applicable. </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Item&#8201;5. Interests of Named Experts and Counsel </font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="height:60.48pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:49.68pt;width:100%"><div><font><br></font></div></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">None. </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Item&#8201;6. Indemnification of Directors and Officers </font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer (also referred to in this Item 6 as the &#8220;Association&#8221;) is a national banking association organized under the laws of the United States of America.  Article TENTH of the Issuer&#8217;s Amended and Restated Articles of Association, and Article VII of the Issuer&#8217;s Amended and Restated Bylaws, which are both included below, set forth the circumstances under which directors, officers, employees and agents of the Issuer may be insured or indemnified against liability which they incur in their capacities as such. </font></div><div style="text-indent:36pt"><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Article TENTH of the Issuer&#8217;s Amended and Restated Articles of Association provides as follows&#58;</font></div><div style="margin-bottom:5pt;padding-left:36pt;padding-right:36pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">TENTH. A director of the association shall not be personally liable to the association or its shareholders for damages for any breach of duty as a director, except to the extent that such exemption from liability or limitation thereof is not permitted under applicable law. No amendment, modification or repeal of this&#160;Article TENTH&#160;shall adversely affect any right or protection of a director that exists at the time of such amendment, modification or repeal.</font></div><div style="margin-bottom:5pt;padding-left:36pt;padding-right:36pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">The bank may make or agree to make indemnification payments to an institution-affiliated party, as defined at 12&#160;USC 1813(u), for an administrative proceeding or civil action initiated by any federal banking agency, that are reasonable and consistent with the requirements of 12 USC 1828(k), 12 CFR 359, and 12 CFR 7.2014.</font></div><div style="margin-bottom:5pt;padding-left:36pt;padding-right:36pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">The bank may indemnify an institution-affiliated party, as defined at 12 USC 1813(u), for damages and expenses, including the advancement of expenses and legal fees, in cases involving an administrative proceeding or civil action not initiated by a federal banking agency, in accordance with the Delaware General Corporation Law, Del.&#160;Code Ann. Tit. 8 (1991, as amended 1994, and as amended thereafter), provided such payments are consistent with safe and sound banking practices.</font></div><div style="margin-bottom:5pt;padding-left:36pt;padding-right:36pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">The association may, upon affirmative vote of a majority of its board of directors, purchase and maintain insurance to indemnify its institution-affiliated parties, as defined at 12 U.S.C. &#167; 1813(u), to the extent that such indemnification is allowed in these Articles of Association or the Bylaws&#59; provided, however, that no such insurance shall include coverage for the cost of any judgment or civil money penalty assessed against such person in an administrative proceeding or civil action commenced by any federal banking agency. Such insurance may, but need not, be for the benefit of all institution-affiliated parties.</font></div><div style="margin-bottom:5pt;padding-left:36pt;padding-right:36pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">If this&#160;Article TENTH&#160;or any part hereof, shall be held unenforceable in any respect by a court of competent jurisdiction, it shall be deemed modified to the minimum extent necessary to make it enforceable, and the remainder of this&#160;Article TENTH&#160;shall remain fully enforceable.</font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Article VII of the Issuer&#8217;s Amended and Restated Bylaws provides as follows&#58;</font></div><div style="padding-right:36pt;text-indent:36pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.01&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Indemnification</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. Except as provided in&#160;Section&#160;7.03&#160;of these Bylaws, the Association shall, to the maximum extent permitted, indemnify an individual made a party to a proceeding because he or she is or was an institution-affiliated party, as defined at 12 U.S.C. &#167; 1813(u) (an &#8220;Institution-Affiliated Party&#8221;), against liability incurred in the proceeding if his or her conduct was in good faith, he or she reasonably believed that his or her conduct was in, or not opposed to, the Association&#8217;s best interests, and in the case of any criminal proceeding, he or she had no reasonable cause to believe his or her conduct was unlawful. Termination of the proceeding by judgment, order, settlement, conviction, upon a plea of nolo contendere or its equivalent, is not, of itself, determinative that the Institution-Affiliated Party did not meet the standard of conduct described in this&#160;Section&#160;7.01.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.02&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Banking Agency Proceedings or Actions</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. The Association shall make or agree to make indemnification payments to an Institution-Affiliated Party for an administrative proceeding or civil action initiated by any Federal banking agency, that are reasonable and consistent with the requirements of 12&#160;U.S.C.&#160;&#167; 1828(k) and its implementing regulations. The Association shall indemnify an Institution-Affiliated Party for damages and expenses, including the advancement of expenses and legal fees, in cases involving an administrative proceeding or civil action not initiated by a Federal banking agency, in accordance with applicable law&#59; provided, that such payments are consistent with safe and sound banking practices.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.03&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Certain Restrictions on Indemnification</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. The Association may not indemnify an Institution-Affiliated Party in connection with a proceeding by or in the right of an Association in which such Institution-Affiliated Party was adjudged liable to the Association, or in connection with any other proceeding charging that </font></div><div style="height:60.48pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:49.68pt;width:100%"><div><font><br></font></div></div><div style="padding-left:36pt;padding-right:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">such party derived an improper personal benefit, whether or not involving action in his or her official capacity, in which proceeding he or she was adjudged liable on the basis that he or she derived an improper personal benefit.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.04&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Mandatory Indemnification</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. Subject to the restrictions in&#160;Section&#160;7.03&#160;above, the Association shall indemnify a director or officer of the Association who was successful, on the merits or otherwise, in the defense of any proceeding, or in the defense of any claim, issue or matter in the proceeding, to which he or she was a party because he or she is or was a director or officer of the Association, against reasonable expenses incurred by him or her in connection with the proceeding or claim with respect to which he or she has been successful.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section 7.05&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Determination</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. The Association may not indemnify an Institution-Affiliated Party under Section 7.01 of these Bylaws unless authorized and a determination has been made in a specific case that indemnification of the Institution-Affiliated Party is permissible in the circumstances because the Institution-Affiliated Party has met the applicable standard of conduct set forth in Section 7.01 of these Bylaws. Such determination shall be made either (a) by the Board of Directors or their designee in accordance with applicable law, or (b) by the holders of common stock of the Association, by a majority of the votes entitled to be cast by holders of qualified shares present in person or by proxy at a meeting. The majority of the votes entitled to be cast by the holders of all qualified shares constitute a quorum for purposes of action that complies with this Section 7.05.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.06&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">General Indemnification</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. The indemnification and advancement of expenses provided by this&#160;Article&#160;VII&#160;shall not be construed to be exclusive of any other rights to which a person seeking indemnification or advancement of expenses may be entitled under the Articles of Association, these Bylaws, any agreement, any vote of shareholders or disinterested directors or otherwise, both as to action in his or her official capacity and as to action in another capacity while holding such office.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.07&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Advances</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. The Association, in accordance applicable law, shall pay for or reimburse the reasonable expenses incurred by an Institution-Affiliated Party who is a party to a proceeding in advance of final disposition of the proceeding if (a) such party furnishes the Association a written affirmation of his or her good faith belief that he or she has met the applicable standard of conduct described in&#160;Section&#160;7.01&#160;of these Bylaws, (b) such party furnishes to the Association a written undertaking in the form required by applicable law, executed personally or on his or her behalf, to repay the advance if it is ultimately determined that he or she did not meet the applicable standard of conduct and (c) a determination is made that the facts then known to those making a determination would not preclude indemnification under this&#160;Article&#160;VII.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.08&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Scope of Indemnification</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. Except as otherwise provided in these Bylaws, the indemnification and advancement of expenses authorized by this&#160;Article&#160;VII&#160;are intended to permit the Association to indemnify to the fullest extent permitted by applicable law, any and all persons whom it shall have power to indemnify under applicable law from and against any and all of the expenses, liabilities or other matters referred to in or covered by such laws. Any indemnification or advancement of expenses hereunder shall, unless otherwise provided when the indemnification or advancement of expenses is authorized or ratified, continue as to a person who has ceased to be an Institution-Affiliated Party and shall inure to the benefit of such person&#8217;s heirs, executors and administrators.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.09&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Insurance</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. The Association may provide for the payment of reasonable premiums for insurance on behalf of a person who is or was an Institution-Affiliated Party, or who, while serving as an Institution-Affiliated Party, is or was serving at the request of the Association as a director, officer, partner, trustee, employee, fiduciary, or agent of another foreign or domestic Association, or other person, or of an employee benefit plan, against liability asserted against or incurred by him or her in any such capacity or arising out of his or her status in any such capacity, whether or not the Association would have the power to indemnify him or her against the liability under the provisions of this&#160;Article&#160;VII&#160;or applicable law, as the same may hereafter be amended or modified&#59; provided, that such liability insurance shall be consistent with the requirements of 12 C.F.R. 7.2014 and shall exclude coverage of liability for a formal order assessing civil money penalties against an Institution-Affiliated Party.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.10&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Reliance Upon Corporate Records</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. Each director and officer and each member of any committee designated by the Board of Directors shall, in the performance of his or her duties, be fully protected in relying in good faith upon the books of account or other records of the Association or of any of its subsidiaries, or upon information, opinions, reports or statements made to the Association or any of its subsidiaries by any officer or employee of the Association or of a subsidiary or by any committee designated by the Board of Directors or by any </font></div><div style="height:60.48pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:49.68pt;width:100%"><div><font><br></font></div></div><div style="padding-left:36pt;padding-right:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">other person as to matters such director, officer or committee member reasonably believes are within such other person&#8217;s professional or expert competence and who has been selected with reasonable care by or on behalf of the Association.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.11&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Other Rights and Remedies</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. The rights to indemnification and advancement of expenses provided in this Article&#160;shall be in addition to any other rights which a party may have or hereafter acquire under any applicable law, contract, order or otherwise.</font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font><br></font></div><div style="padding-left:36pt;padding-right:36pt;text-indent:31.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">Section&#160;7.12&#8195;</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Severability</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">. If any provision of this&#160;Article&#160;VII&#160;shall be held to be invalid, illegal or unenforceable for any reason, the remaining provisions of this&#160;Article&#160;VII&#160;shall not be affected or impaired thereby, but shall, to the fullest extent possible, be construed so as to give effect to the intent of this&#160;Article&#160;VII&#160;that each party covered hereby is entitled to the fullest protection permitted by applicable law.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Item&#8201;7. Exemption from Registration Claimed </font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">None. </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Item&#8201;8. Exhibits </font></div><div style="text-indent:24.5pt"><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">For the list of exhibits, see the Exhibit Index to this Post-Effective Amendment, which is incorporated herein by reference. </font></div><div style="text-indent:36pt"><font><br></font></div><div style="text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">No original issue shares of Common Stock or Depositary Shares will be made available by the Issuer for acquisition by participants in the 401(k) Plan. In accordance with Item&#160;8(a) of Form S-8, therefore, no opinion as to the legality of shares is included with this filing.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Item&#8201;9. Undertakings </font></div><div><font><br></font></div><div style="padding-left:24.45pt;text-indent:-24.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(a)&#160;&#160;&#160;&#160;The undersigned registrant hereby undertakes&#58; </font></div><div style="padding-left:24.45pt;text-indent:-24.5pt"><font><br></font></div><div style="padding-left:55.05pt;text-indent:-24.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(1)&#160;&#160;&#160;&#160;To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement&#58; </font></div><div style="padding-left:55.05pt;text-indent:-24.5pt"><font><br></font></div><div style="padding-left:79.55pt;text-indent:-24.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(i)&#160;&#160;&#160;&#160;To include any prospectus required by Section&#160;10(a)(3) of the Securities Act&#59; </font></div><div style="padding-left:79.55pt;text-indent:-24.5pt"><font><br></font></div><div style="padding-left:79.55pt;text-indent:-24.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(ii)&#160;&#160;&#160;&#160;To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement&#59; and </font></div><div style="padding-left:79.55pt;text-indent:-24.5pt"><font><br></font></div><div style="padding-left:79.55pt;text-indent:-24.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(iii)&#160;&#160;&#160;&#160;To include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the registration statement&#59; </font></div><div style="padding-left:55.05pt"><font><br></font></div><div style="padding-left:55.05pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided, however</font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">, that paragraphs (a)(1)(i) and (a)(1)(ii) above shall not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed with or furnished to the Commission by the registrant pursuant to Section&#160;13 or 15(d) of the Exchange Act that are incorporated by reference in the registration statement. </font></div><div style="padding-left:55.05pt;text-indent:-24.5pt"><font><br></font></div><div style="padding-left:55.05pt;text-indent:-24.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(2)&#160;&#160;&#160;&#160;That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </font></div><div style="padding-left:55.05pt;text-indent:-24.5pt"><font><br></font></div><div style="padding-left:55.05pt;text-indent:-24.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(3)&#160;&#160;&#160;&#160;To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering. </font></div><div style="padding-left:24.45pt;text-indent:-24.5pt"><font><br></font></div><div style="padding-left:24.45pt;text-indent:-24.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(b)&#160;&#160;&#160;&#160;The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the registrant&#8217;s annual report pursuant to Section&#160;13(a) or 15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan&#8217;s annual report pursuant to Section&#160;15(d) of the Exchange Act) that is incorporated by reference in the </font></div><div style="height:60.48pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:49.68pt;width:100%"><div><font><br></font></div></div><div style="padding-left:24.45pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </font></div><div style="padding-left:24.5pt;text-indent:-24.5pt"><font><br></font></div><div style="padding-left:24.5pt;text-indent:-24.5pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">(c)&#160;&#160;&#160;&#160;Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Commission such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue. </font></div><div style="height:60.48pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><div id="iea0eda1068994120b21fe70ad013eb81_1099511627864"></div><hr style="page-break-after:always"><div style="min-height:49.68pt;width:100%"><div><font><br></font></div></div><div style="-sec-extract:summary;text-align:center"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">EXHIBIT INDEX </font></div><div><font style="color:#000000;font-family:'Times New Roman',serif;font-size:12pt;font-weight:400;line-height:120%">&#160;</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:8.483%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:88.762%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Exhibit No.</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:5pt;margin-top:5pt;padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:700;line-height:120%">Description</font></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">4.1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000910073/000091007325000149/nycb-20251017.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:none">Amended and Restated Articles of Association of Flagstar Bank, National Association </a></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000910073/000091007325000149/nycb-20251017.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;text-decoration:none;top:-3.5pt;vertical-align:baseline">(1)</a></font></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">4.2</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000910073/000091007325000149/nycb-20251017.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:none">Amended and Restated Bylaws of Flagstar Bank, National Association </a></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline"><a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000910073/000091007325000149/nycb-20251017.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;text-decoration:none;top:-3.5pt;vertical-align:baseline">(2)</a></font></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">4.3</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977d8k.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:none">Certificate of Designations of the Registrant with respect to the Series A Preferred Stock, dated March 16, 2017, filed with the Secretary of State of the State of Delaware and effective March 16, 2017 </a></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977d8k.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;text-decoration:none;top:-3.5pt;vertical-align:baseline">(3)</a></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%"><a href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977d8k.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:none"> </a></font></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%">4.4</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%"><a href="https://www.sec.gov/Archives/edgar/data/910073/000091007325000144/form8-axpreferred002.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:none">Form of certificate representing the Series A Preferred Stock </a></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline"><a href="https://www.sec.gov/Archives/edgar/data/910073/000091007325000144/form8-axpreferred002.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;text-decoration:none;top:-3.5pt;vertical-align:baseline">(</a><a href="https://www.sec.gov/Archives/edgar/data/910073/000091007325000144/form8-axpreferred002.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;text-decoration:none;top:-3.5pt;vertical-align:baseline">4</a><a href="https://www.sec.gov/Archives/edgar/data/910073/000091007325000144/form8-axpreferred002.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;text-decoration:none;top:-3.5pt;vertical-align:baseline">)</a></font></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%">4.5</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-right:-2.63pt"><font style="color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%"><a href="https://www.sec.gov/Archives/edgar/data/910073/000091007325000144/form8-axpreferred002.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none">Form of depositary receipt representing the Depositary Shares </a></font><font style="color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline"><a href="https://www.sec.gov/Archives/edgar/data/910073/000091007325000144/form8-axpreferred002.htm" style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;text-decoration:none;top:-3.5pt;vertical-align:baseline">(</a>5)</font></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"></td><td 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<DIV><FONT size="1" style="font-size:1pt;color:white">    KPMG LLP  345 Park Avenue  New York, NY 10154-0102             KPMG LLP, a Delaware limited liability partnership and a member firm of  the KPMG global organization of independent member firms affiliated with  KPMG International Limited, a private English company limited by guarantee.     Consent of Independent Registered Public Accounting Firm  We consent to the use of our reports dated March 3, 2025, with respect to the consolidated financial statements  of Flagstar Financial, Inc., predecessor in interest to Flagstar Bank, National Association, and the effectiveness  of internal control over financial reporting, incorporated herein by reference.    New York, New York  October 20, 2025          </FONT></DIV>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
