{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-24-000179","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2024-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.348578+00:00","generated_at":"2026-05-30T10:17:05.705559+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"NYCB reports Q3 net loss of $289M; deposits up $4B, NIM declines to 1.79%","bullets":["Q3 GAAP net loss of $289M ($0.79/diluted share); non-GAAP net loss of $252M ($0.69/share).","Deposits rose $4B to $83B; wholesale borrowings cut 31% to $19.3B; loan/deposit ratio 86%.","Net interest margin fell 19bp QoQ to 1.79%; net interest income down 8% to $510M.","Provision for credit losses $242M; net charge-offs $240M; ACL coverage 1.87% vs 1.78% Q2.","Company changed name to Flagstar Financial, Inc. (ticker FLG); director Peter Schoels resigned."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-24-000179","json":"https://secwatch.observer/filing/0000910073-24-000179.json","markdown":"https://secwatch.observer/filing/0000910073-24-000179.md","text":"https://secwatch.observer/filing/0000910073-24-000179.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000179/0000910073-24-000179-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007324000179/nycb-20241025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:17:05.705559+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"}