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Flagstar Bank, National Association (FLG) Presents at Morgan Stanley US Financials Conference 2026 Transcript

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Flagstar Bank, National Association (FLG) Morgan Stanley US Financials Conference 2026 June 10, 2026 3:15 PM EDT

Company Participants

Joseph Otting – CEO & Executive Chairman
Richard Raffetto – Chief Banking Officer, Co-President & Co-COO
Lee Smith – CFO, Co-President & Co-COO

Conference Call Participants

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Manan Gosalia – Morgan Stanley, Research Division

Presentation

Manan Gosalia
Morgan Stanley, Research Division

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Okay. Up next, we have Flagstar Bank. We’re delighted to have with us today Joseph Otting, Chairman and CEO; Lee Smith, Co-President, Co-COO and CFO; and Rich Raffetto, Co-President, Co-COO and Chief Banking Officer. Thanks so much for joining us.

Joseph Otting
CEO & Executive Chairman

Thank you very much. Honor to be here.

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Question-and-Answer Session

Manan Gosalia
Morgan Stanley, Research Division

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So Joseph, Rich and Lee, I want to extend my congratulations to all of you. Joseph, the Board recently announced for those that don’t know in the room, a 1-year extension of your contract through March 2028. That’s a strong vote of confidence in your leadership. And Rich and Lee, you’re also now serving as Co-Presidents and Co-COOs in addition to your current role. So congratulations to all of you. Joseph, I guess the question for you is, would love to get your thoughts on the new leadership structure and what this means for Flagstar.

Joseph Otting
CEO & Executive Chairman

Yes. I think it’s a natural progression of our company. As we came to the organization in March of 2024, we’ve assembled a relatively new management team from people throughout both the banking industry and the Office of the Comptroller of the Currency with my background there. And Rich was one of the people that we recruited to come in and run a big part of our banking operations. Lee was already there running really the most significant and important parts of the Flagstar organization.

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