{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-26-000017","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.008198+00:00","generated_at":"2026-05-16T06:12:50.229350+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Flagstar returns to profitability in Q4 2025 with EPS $0.05; NIM expands 23 bps to 2.14%","bullets":["Net income $29M vs net loss of $36M in Q3 2025; diluted EPS $0.05 (adjusted $0.06).","Net interest margin up 23 bps QoQ to 2.14%; net interest income rose 10% to $467M.","C&I commitments surged 28% to $3.0B; total C&I loans up $343M (+2% QoQ).","Provision for credit losses fell 92% to $3M; net charge-offs improved to 0.30% of avg loans.","Full-year 2025 net loss of $177M vs $1,118M in 2024; CRE concentration ratio improved to 381%."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-26-000017","json":"https://secwatch.observer/filing/0000910073-26-000017.json","markdown":"https://secwatch.observer/filing/0000910073-26-000017.md","text":"https://secwatch.observer/filing/0000910073-26-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007326000017/0000910073-26-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007326000017/nycb-20260130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:12:50.229350+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"}