---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-057463"
form_type: "8-K"
ticker: "CMTG"
cik: "0001666291"
company_name: "Claros Mortgage Trust, Inc."
filed_at: "2026-02-18T23:59:59+00:00"
generated_at: "2026-05-16T02:06:29.728884+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# CMTG: Q4 GAAP net loss $219M ($1.56/sh); CECL reserves $443M (10.9% of UPB)

## Summary
- GAAP net loss $219.2M ($1.56 per share); FY2025 loss $489.1M ($3.49 per share).
- Distributable loss $101.7M ($0.71); distributable earnings pre-realized $2.9M ($0.02) in Q4.
- Provision for CECL $211.7M in Q4; year-end reserves $443.1M, or 10.9% of loan UPB.
- Resolved 21 loans ($2.5B UPB) in 2025; Q4 resolved $483.9M UPB; post-quarter $388.7M.
- Liquidity $185M at Dec 31, $153M at Feb 17; closed new $500M secured term loan maturing 2030.

## SEC filing metadata
- accession: 0001193125-26-057463
- form_type: 8-K
- ticker: CMTG
- cik: 0001666291
- company_name: Claros Mortgage Trust, Inc.
- filed_at: 2026-02-18T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1666291/000119312526057463/0001193125-26-057463-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1666291/000119312526057463/cmtg-20260218.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-057463
- JSON: https://secwatch.observer/filing/0001193125-26-057463.json
- Plain text: https://secwatch.observer/filing/0001193125-26-057463.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.