{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-24-000031","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2024-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.246263+00:00","generated_at":"2026-06-06T14:32:28.086560+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"NYCB posts Q4 net loss $252M, slashes dividend to $0.05 to build capital","bullets":["Q4 net loss available to common $260M ($0.36 diluted EPS); adjusted net loss $193M.","Full-year 2023 net income available to common $2.3B ($3.24); adjusted $576M ($0.80).","Board cuts quarterly common dividend from $0.17 to $0.05 per share; payable Feb 28.","Q4 provision for credit losses $552M, boosting ACL to 1.17% of loans; net charge-offs $185M driven by two loans.","Total assets $116.3B; deposits $81.4B down 2% QoQ; regulatory capital ratios remain well capitalized."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-24-000031","json":"https://secwatch.observer/filing/0000910073-24-000031.json","markdown":"https://secwatch.observer/filing/0000910073-24-000031.md","text":"https://secwatch.observer/filing/0000910073-24-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000031/0000910073-24-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000031/nycb-20240131.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T14:32:28.086560+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":"8a122cc3daf27f6e177f8eedf515a4ea6a1f528b","claim":"FLAGSTAR BANK, NATIONAL ASSOCIATION reported full-year 2023 results: net income net income for the year ended December 31, 2023 of $2.4 billion, EPS $3.24.","evidence_excerpt":"New York Community Bancorp, Inc. (NYSE: NYCB) (the “Company”) today reported net income for the year ended December 31, 2023 of $2.4 billion compared to net income of $650 million for the year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000031/0000910073-24-000031-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"full-year 2023"},{"label":"Net income","value":"net income for the year ended December 31, 2023 of $2.4 billion"},{"label":"EPS","value":"$3.24"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"b91a2dad97f257b2097abb656b3f385624b0b4f9","claim":"FLAGSTAR BANK, NATIONAL ASSOCIATION reported fourth quarter 2023 results: net income net loss of $252 million, EPS $(0.36).","evidence_excerpt":"For the three months ended December 31, 2023, the Company reported a net loss of $252 million compared to net income of $207 million for the three months ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000031/0000910073-24-000031-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter 2023"},{"label":"Net income","value":"net loss of $252 million"},{"label":"EPS","value":"$(0.36)"},{"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"}