{"schema_version":"secwatch.filing_event.v1","accession":"0000910073-26-000065","form_type":"8-K","ticker":"FLG","cik":"0000910073","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","filed_at":"2026-07-24T10:08:02+00:00","discovered_at":"2026-07-24T10:10:00.267616+00:00","generated_at":"2026-07-24T10:10:13.597442+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Flagstar Bank Q2 net income $0.06/diluted share; announces $250M buyback","bullets":["Net income attributable to common stockholders $26M ($0.06/diluted) vs $13M ($0.03) in Q1 2026 and net loss of $78M ($0.19) in Q2 2025.","Pre-provision net revenue (PPNR) of $66M, up 106% from $32M in Q1 2026; adjusted PPNR $62M, up 51%.","Operating expenses down 3% QoQ to $427M; positive operating leverage of 7%.","CET1 capital ratio 13.16%; Board authorized $250M common stock repurchase program over 12 months.","C&I loans grew $2.0B (12% QoQ) to $18.6B; total deposits up $689M; net interest margin 2.13%."],"urls":{"canonical":"https://secwatch.observer/filing/0000910073-26-000065","json":"https://secwatch.observer/filing/0000910073-26-000065.json","markdown":"https://secwatch.observer/filing/0000910073-26-000065.md","text":"https://secwatch.observer/filing/0000910073-26-000065.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/910073/000091007326000065/0000910073-26-000065-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/910073/000091007326000065/nycb-20260724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-24T10:10:13.597442+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"}