---
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"
generated_at: "2026-05-31T16:34:04.986143+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# NYCB posts Q2 2024 GAAP net loss of $1.14 per share; deposits up 5.6% sequentially

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000910073-24-000154
- JSON: https://secwatch.observer/filing/0000910073-24-000154.json
- Plain text: https://secwatch.observer/filing/0000910073-24-000154.txt

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