{"schema_version":"secwatch.filing_event.v1","accession":"0001504008-23-000012","form_type":"8-K","ticker":"BKU","cik":"0001504008","company_name":"BankUnited, Inc.","filed_at":"2023-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:39.102656+00:00","generated_at":"2026-06-16T16:09:59.913432+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BankUnited Q1 net income $52.9M ($0.70 EPS); NIM compresses to 2.62% on deposit cost pressure","bullets":["Net income $52.9M ($0.70 diluted EPS) vs $64.2M ($0.82) in Q4 2022 and $67.2M ($0.79) in Q1 2022.","Net interest margin (tax-equivalent) fell to 2.62% from 2.81% QoQ; cost of total deposits rose to 2.05% from 1.42%.","Total deposits declined $1.79B during quarter; available liquidity $9.4B at March 31, increasing to $12.3B by April 21.","Provision for credit losses $19.8M; ACL to loans ratio 0.64% vs 0.59% at Dec 2022.","Dividend increased 8% to $0.27/share; repurchased 1.6M shares for $55M."],"urls":{"canonical":"https://secwatch.observer/filing/0001504008-23-000012","json":"https://secwatch.observer/filing/0001504008-23-000012.json","markdown":"https://secwatch.observer/filing/0001504008-23-000012.md","text":"https://secwatch.observer/filing/0001504008-23-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000012/0001504008-23-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000012/bku-20230425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T16:09:59.913432+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":"a5a2c207ee51f65081ed832080f4432c76d58b5a","claim":"BankUnited, Inc. reported quarter ended March 31, 2023 results: net income net income of $52.9 million, EPS or $0.70 per diluted share.","evidence_excerpt":"For the quarter ended March 31, 2023, the Company reported net income of $52.9 million, or $0.70 per diluted share, compared to $64.2 million, or $0.82 per diluted share for the immediately preceding quarter ended December 31, 2022 and $67.2 million, or $0.79 per diluted share, for the quarter ended March 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000012/0001504008-23-000012-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended March 31, 2023"},{"label":"Net income","value":"net income of $52.9 million"},{"label":"EPS","value":"or $0.70 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"}