{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-25-000104","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2025-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.664086+00:00","generated_at":"2026-05-18T01:50:08.407417+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":"Flagstar Q2 2025 net loss $0.19/share; adjusted loss $0.14; C&I originations up 57%","bullets":["Net loss attributable to common stockholders of $78M ($0.19/diluted share); adjusted net loss $60M ($0.14/diluted share).","C&I loan originations rose 57% to $1.2B; new commitments increased 80% to $1.9B linked-quarter.","Net interest margin improved 7 bps to 1.81%; adjusted PPNR turned positive to $9M from -$23M.","Company announces plans to eliminate bank holding company by merging into Flagstar Bank, N.A.","Criticized assets down 15% YTD; CRE exposure reduced 5% linked-quarter via $1.5B par payoffs."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-25-000104","json":"https://secwatch.observer/filing/0000910073-25-000104.json","markdown":"https://secwatch.observer/filing/0000910073-25-000104.md","text":"https://secwatch.observer/filing/0000910073-25-000104.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007325000104/0000910073-25-000104-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007325000104/nycb-20250725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T01:50:08.407417+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"}