{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-25-000172","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2025-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.566175+00:00","generated_at":"2026-05-17T02:24:25.845692+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Flagstar Bank Q3 net loss narrows to $0.11/share; NIM improves to 1.91%","bullets":["Net loss attributable to common stockholders of $45M ($0.11/diluted share); adjusted loss $0.07/share, improved from Q2 loss of $0.19/share.","Net interest margin rose 10bps to 1.91% for third consecutive quarterly improvement; provision for credit losses fell 41% to $38M.","C&I loans grew $448M or 3% linked quarter; new commitments up 26% to $2.4B, originations up 41% to $1.7B.","CRE par payoffs of $1.3B (42% substandard); criticized/classified loans down $2.8B or 19% year-to-date.","Completed holding company reorganization Oct 17 to simplify structure and reduce expenses; CET1 capital ratio improved to 12.45%."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-25-000172","json":"https://secwatch.observer/filing/0000910073-25-000172.json","markdown":"https://secwatch.observer/filing/0000910073-25-000172.md","text":"https://secwatch.observer/filing/0000910073-25-000172.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007325000172/0000910073-25-000172-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007325000172/nycb-20251024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:24:25.845692+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"}