{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-25-000006","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.763736+00:00","generated_at":"2026-05-27T06:15:42.437458+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Flagstar Q4 GAAP net loss $0.41/diluted share; CET1 ratio improves to 11.9%, credit trends stabilizing","bullets":["GAAP net loss attributable to common stockholders of $0.41 per diluted share; adjusted net loss $0.34 per diluted share.","CET1 capital ratio improved to 11.9%, at or above peer group levels; book value per share $18.54.","Provision for credit losses fell 55% to $108M; net charge-offs declined 8% QoQ to $222M.","Total assets $100.2B, down 12% YoY; wholesale borrowings reduced $5.9B (31%) to $13.4B.","Retail and Private Bank deposits each up 3% sequentially; commercial lending had $620M in new commitments."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-25-000006","json":"https://secwatch.observer/filing/0000910073-25-000006.json","markdown":"https://secwatch.observer/filing/0000910073-25-000006.md","text":"https://secwatch.observer/filing/0000910073-25-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007325000006/0000910073-25-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007325000006/nycb-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T06:15:42.437458+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"}