{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-23-000057","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2023-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.985253+00:00","generated_at":"2026-06-13T01:53:27.031090+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"NYCB Q2 2023: Record adjusted net income $345M, EPS $0.47 (up 104% QoQ), NIM 3.21%","bullets":["GAAP diluted EPS $0.55 vs $2.87 prior quarter; adjusted EPS $0.47 vs $0.23, up 104%.","Net interest margin 3.21% (+61bps sequentially); net interest income $900M (+62%).","Total deposits $88.5B (+$3.7B); wholesale borrowings down $4.9B to $15.4B.","Hired six private banking teams from First Republic; common dividend $0.17/share declared.","Non-performing assets 0.21% of total assets; allowance for credit losses $594M."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-23-000057","json":"https://secwatch.observer/filing/0000910073-23-000057.json","markdown":"https://secwatch.observer/filing/0000910073-23-000057.md","text":"https://secwatch.observer/filing/0000910073-23-000057.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007323000057/0000910073-23-000057-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007323000057/nycb-20230727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T01:53:27.031090+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"0f1fcd44d4a3ac2bfe23f8561b9f39ac63403922","claim":"FLAGSTAR BANK, NATIONAL ASSOCIATION reported the three months ended June 30, 2023 results: net income $405 million, EPS $0.55.","evidence_excerpt":"today reported net income for the three months ended June 30, 2023 of $413 million compared to $2.0 billion for the three months ended March 31, 2023. Net income available to common stockholders for the three months ended June 30, 2023 was $405 million compared to $2.0 billion for the three months ended March 31, 2023. Diluted EPS totaled $0.55 for the three months ended June 30, 2023 compared to $2.87 for the three months ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/910073/000091007323000057/0000910073-23-000057-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended June 30, 2023"},{"label":"Net income","value":"$405 million"},{"label":"EPS","value":"$0.55"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"21f6683b4a61fe0fb0f1e12f7684ebc9c162c4d1","claim":"FLAGSTAR BANK, NATIONAL ASSOCIATION reported the six months ended June 30, 2023 results: net income $2.4 billion, EPS $3.37.","evidence_excerpt":"For the six months ended June 30, 2023, the Company reported net income of $2.4 billion compared to $326 million for the six months ended June 30, 2022. Net income available to common stockholders for the six months ended June 30, 2023 were also $2.4 billion compared to $310 million for the six months ended June 30, 2022. Diluted EPS for the six months ended June 30, 2023 were $3.37 compared to $0.66 for the six months ended June 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/910073/000091007323000057/0000910073-23-000057-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended June 30, 2023"},{"label":"Net income","value":"$2.4 billion"},{"label":"EPS","value":"$3.37"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}