Financial Institutions, Inc. Price & Performance (FISI)

Flagstar Financial reported a first-quarter 2025 net loss, but management highlighted improvements in asset quality and reductions in criticized loans and charge-offs. The bank reduced exposure to commercial real estate and multi-family loans, while growing C&I lending in targeted areas. Executives remain focused on profitability and cost-cutting for the remainder of the year.12

Truist has become the first bank to introduce alias-based bill payment via the RTP network, allowing customers to pay bills using email addresses or mobile numbers. This innovation is expected to simplify transactions and enhance security, potentially setting a new standard in digital payments for U.S. banking.34

First Central Savings Bank posted net income of $1.8 million for the first quarter of 2025, buoyed by a 25 basis point net interest margin increase. The bank attributed gains to lower funding costs and continued loan growth, while remaining cautious about credit quality in the commercial sector.25