{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-26-000035","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2026-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.918521+00:00","generated_at":"2026-05-15T04:21:50.608033+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Flagstar Bank Q1 2026 net income $13M ($0.03 GAAP); adjusted EPS $0.04; C&I loans up 9% QoQ","bullets":["Net income attributable to common stockholders $13M ($0.03 diluted); adjusted net income $20M ($0.04).","C&I loans grew $1.4B (9% linked-quarter) to $16.6B, with broad-based growth across strategic areas.","Non-accrual loans declined 11% ($323M) QoQ; criticized/classified loans down 3%.","CET1 capital ratio improved to 13.24% (up 40 bps); excess capital of $1.6B.","NIM 2.15%, up 1 bps QoQ (up 10 bps excluding hedge gain); operating expenses down 5%."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-26-000035","json":"https://secwatch.observer/filing/0000910073-26-000035.json","markdown":"https://secwatch.observer/filing/0000910073-26-000035.md","text":"https://secwatch.observer/filing/0000910073-26-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007326000035/0000910073-26-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007326000035/nycb-20260424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:21:50.608033+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":[{"claim_id":"d782606ef3f3d04cf979ffdb9bdbf3101809f0d7","claim":"FLAGSTAR BANK, NATIONAL ASSOCIATION reported the quarter ended March 31, 2026 results: net income $13 million, EPS $0.03 per diluted share.","evidence_excerpt":"First quarter 2026 net income attributable to common stockholders was $13 million, or $0.03 per diluted share, compared to net income attributable to common stockholders of $21 million, or $0.05 per diluted share in fourth quarter 2025 and compared to a net loss attributable to common stockholders of $108 million, or $0.26 per diluted share in first quarter 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/910073/000091007326000035/0000910073-26-000035-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$13 million"},{"label":"EPS","value":"$0.03 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}