{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-23-000078","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.360918+00:00","generated_at":"2026-06-09T09:26:26.332527+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NYCB Q3 GAAP EPS $0.27, adjusted $0.36; NIM up to 3.27%; declares $0.17 dividend","bullets":["GAAP diluted EPS $0.27, net income to common $199M; adjusted diluted EPS $0.36, adjusted net income $266M.","Net interest margin expanded 6 bps to 3.27%; net interest income $882M, down 2% from prior quarter.","Loans held for investment up $717M to $84.0B; C&I loans up $562M, CRE up $302M.","Non-performing loans rose 68% to $392M (0.47% of loans), driven by two office CRE loans.","Quarterly dividend of $0.17/share declared, payable Nov 16 to holders of record Nov 6."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-23-000078","json":"https://secwatch.observer/filing/0000910073-23-000078.json","markdown":"https://secwatch.observer/filing/0000910073-23-000078.md","text":"https://secwatch.observer/filing/0000910073-23-000078.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007323000078/0000910073-23-000078-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007323000078/nycb-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T09:26:26.332527+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":"14a23c66896788823052844b2bebffcbe6a45a7b","claim":"FLAGSTAR BANK, NATIONAL ASSOCIATION reported financial results for the three and nine months ended September 30, 2023.","evidence_excerpt":"On October 26, 2023 , New York Community Bancorp, Inc. (the “Company”) issued a news release reporting its financial results for the three and nine months ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/910073/000091007323000078/0000910073-23-000078-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and nine months ended September 30, 2023"},{"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"}