{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-25-000070","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2025-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.762931+00:00","generated_at":"2026-05-23T06:32:58.510208+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Flagstar Q1 GAAP loss $0.26/diluted; C&I originations up 42% QoQ, NIM stabilizes","bullets":["Net loss attributable to common stockholders $108M ($0.26/diluted); adjusted net loss $94M ($0.23/diluted).","NIM stabilized at 1.74% (+1bp QoQ); net interest income $410M (-11% QoQ).","Provision for credit losses down $66M QoQ; net charge-offs $115M (-48% QoQ) to 0.68% annualized of avg loans.","C&I originations $769M (+42% QoQ); added 15 bankers, plans 80-90 more in 2025.","Total ACL 1.82% of loans; non-accrual HFI 4.93% (up from 3.83%) mainly due to one relationship."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-25-000070","json":"https://secwatch.observer/filing/0000910073-25-000070.json","markdown":"https://secwatch.observer/filing/0000910073-25-000070.md","text":"https://secwatch.observer/filing/0000910073-25-000070.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007325000070/0000910073-25-000070-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007325000070/nycb-20250425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T06:32:58.510208+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"}