{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-24-000034","form_type":"8-K/A","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2024-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.245677+00:00","generated_at":"2026-06-06T14:32:03.898379+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 reports Q4 net loss of $252M, cuts dividend to $0.05, builds reserves on credit concerns","bullets":["Q4 net loss available to common $260M, diluted EPS $(0.36); adjusted EPS $(0.27).","Recorded $552M provision for credit losses; ACL rose to $992M (1.17% of loans).","Full-year 2023 net income $2.4B includes $2.2B bargain purchase gain; adjusted EPS $0.80.","Quarterly common dividend slashed to $0.05 from prior rate to accelerate capital build.","Total assets $116.3B; joined Category IV large-bank category; CET1 ratio 9.10%."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-24-000034","json":"https://secwatch.observer/filing/0000910073-24-000034.json","markdown":"https://secwatch.observer/filing/0000910073-24-000034.md","text":"https://secwatch.observer/filing/0000910073-24-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000034/0000910073-24-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000034/nycb-20240131.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T14:32:03.898379+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":"b3ec189eb9a0f5607a4b7715be5dd2905e6a1dca","claim":"FLAGSTAR BANK, NATIONAL ASSOCIATION reported the three and twelve months ended December 31, 2023 results: net income $2.4 billion (full year), net loss of $252 million (Q4), EPS $3.24 (full year), $(0.36) (Q4).","evidence_excerpt":"On January 31, 2024 , New York Community Bancorp, Inc. (the “Company”) issued a news release reporting its financial results for the three and twelve months ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000034/0000910073-24-000034-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and twelve months ended December 31, 2023"},{"label":"Net income","value":"$2.4 billion (full year), net loss of $252 million (Q4)"},{"label":"EPS","value":"$3.24 (full year), $(0.36) (Q4)"},{"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"}