{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-24-000128","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2024-05-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.406118+00:00","generated_at":"2026-06-03T03:45:21.694988+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"NYCB reports Q1 net loss of $327M; targets 1% ROAA by Q4 2026","bullets":["Net loss of $327M; diluted EPS -$0.45; adjusted net loss $174M (-$0.25 adjusted EPS).","Raised over $1B in equity; CET1 ratio 9.45% (10.14% fully converted); target CET1 11-12%.","ACL on loans increased to 1.48% vs 1.17% prior quarter; provision for credit losses $315M.","Nonperforming loans rose to 0.97% of LHFI from 0.51% linked quarter.","Targets ROAA of 1% and ROATCE of 11-12% by Q4 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-24-000128","json":"https://secwatch.observer/filing/0000910073-24-000128.json","markdown":"https://secwatch.observer/filing/0000910073-24-000128.md","text":"https://secwatch.observer/filing/0000910073-24-000128.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000128/0000910073-24-000128-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000128/nycb-20240501.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T03:45:21.694988+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":"a96640d92f6dd8664035becb82bb34c97cbc5855","claim":"FLAGSTAR BANK, NATIONAL ASSOCIATION reported first quarter 2024 results: net income net loss of $327 million, EPS $0.45 per diluted share. Guidance raised.","evidence_excerpt":"The Company reported a net loss of $327 million for first quarter 2024 and a net loss available to common shareholders of $335 million, or $0.45 per diluted share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000128/0000910073-24-000128-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2024"},{"label":"Net income","value":"net loss of $327 million"},{"label":"EPS","value":"$0.45 per diluted share"},{"label":"Guidance","value":"raised"},{"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"}