{"schema_version":"secwatch.filing_event.v1","accession":"0001504008-23-000032","form_type":"8-K","ticker":"BKU","cik":"0001504008","company_name":"BankUnited, Inc.","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.290695+00:00","generated_at":"2026-06-09T20:31:13.515504+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BankUnited Q3 net income $47M ($0.63 EPS), down 46% YoY; margin expands to 2.56%","bullets":["Net income $47.0M ($0.63 diluted EPS) vs $87.9M ($1.12) in Q3 2022; provision for credit losses rose to $33.0M.","Net interest margin expanded to 2.56% from 2.47% QoQ; net interest income $214.8M vs $213.9M prior quarter.","Non-brokered deposits grew $484M, total deposits up $274M; FHLB advances reduced by $810M.","CRE loans at 23.5% of loans (168% of risk-based capital); weighted avg LTV 55.8%, DSCR 1.80.","CET1 ratio 11.4% (holding co) and 13.2% (bank); ACL to loans ratio 0.80% vs 0.68% prior quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001504008-23-000032","json":"https://secwatch.observer/filing/0001504008-23-000032.json","markdown":"https://secwatch.observer/filing/0001504008-23-000032.md","text":"https://secwatch.observer/filing/0001504008-23-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000032/0001504008-23-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000032/bku-20231019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T20:31:13.515504+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":"6d90d7663bafe358f8f7728545046ac18fd0de5e","claim":"BankUnited, Inc. reported the quarter ended September 30, 2023 results: net income $47.0 million, EPS $0.63 per diluted share.","evidence_excerpt":"On October 19, 2023, BankUnited, Inc. (the “Company”) reported its results for the quarter ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1504008/000150400823000032/0001504008-23-000032-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$47.0 million"},{"label":"EPS","value":"$0.63 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"}