{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-24-000154","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.268004+00:00","generated_at":"2026-05-31T16:34:04.986143+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 posts Q2 2024 GAAP net loss of $1.14 per share; deposits up 5.6% sequentially","bullets":["Net loss of $323M; GAAP diluted EPS loss of $1.14; adjusted EPS loss of $1.05.","Provision for credit losses of $390M; net charge-offs of $349M (0.42% of avg loans).","Total ACL improved to 1.78% of loans held for investment from 1.56% last quarter.","Deposits grew $4.2B to $79.0B (+5.6% QoQ); pro-forma liquidity ~$40B.","Pro-forma CET1 ratio of 11.2% after sale of mortgage servicing rights and warehouse business."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-24-000154","json":"https://secwatch.observer/filing/0000910073-24-000154.json","markdown":"https://secwatch.observer/filing/0000910073-24-000154.md","text":"https://secwatch.observer/filing/0000910073-24-000154.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000154/0000910073-24-000154-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000154/nycb-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:34:04.986143+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}