FLUSHING FINANCIAL CORP

The Holding Company operates primarily as a full-service New York State commercial bank, which was organized in 1929 as a New York State-chartered mutual savings bank. The Holding Company itself is a Delaware corporation organized in 1994. The Bank owned two subsidiaries during 2025: Flushing Service Corporation and FSB Properties Inc. The Bank also operates an internet branch, known as the Internet Branch, under the brands iGObanking.com® and BankPurely®. The Holding Company's activities are mainly funded by cash on hand, dividends from the Bank, issuances of subordinated debt and junior subordinated debt, and issuances of equity securities. Its common stock is traded on the NASDAQ Global Select Market under the symbol "FFIC." The Holding Company also owns Flushing Financial Capital Trust II, Flushing Financial Capital Trust III, and Flushing Financial Capital Trust IV, collectively referred to as the Trusts. These Trusts are special purpose business trusts formed to issue a total of $60.0 million of capital securities and $1.9 million of common securities, which are the only voting securities. The Holding Company owns 100% of the common securities of the Trusts. The Trusts used the proceeds from these issuances to purchase junior subordinated debentures from the Holding Company. The Trusts are not included in the company's consolidated financial statements. Management views the Company as operating a single unit—a community bank. As of December 31, 2025, the Company had total assets of $8.7 billion, deposits of $7.3 billion, and stockholders' equity of $0.7 billion.