---
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"
generated_at: "2026-06-09T09:26:26.332527+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# NYCB Q3 GAAP EPS $0.27, adjusted $0.36; NIM up to 3.27%; declares $0.17 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-23-000078
- JSON: https://secwatch.observer/filing/0000910073-23-000078.json
- Plain text: https://secwatch.observer/filing/0000910073-23-000078.txt

## Key facts
- Earnings Releases
  FLAGSTAR BANK, NATIONAL ASSOCIATION reported financial results for the three and nine months ended September 30, 2023.
  - Period: the three and nine months ended September 30, 2023
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/910073/000091007323000078/0000910073-23-000078-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.