{"schema_version":"secwatch.filing_event.v1","accession":"0001504008-24-000003","form_type":"8-K","ticker":"BKU","cik":"0001504008","company_name":"BankUnited, Inc.","filed_at":"2024-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.364539+00:00","generated_at":"2026-06-06T16:31:46.690044+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"BankUnited Q4 net income $20.8M ($0.27 EPS), down 68% YoY; FDIC special assessment weighs","bullets":["Q4 net income $20.8M ($0.27 EPS) vs $47.0M ($0.63) in Q3 and $64.2M ($0.82) in Q4 2022.","Full-year 2023 net income $178.7M ($2.38 EPS) vs $285.0M ($3.54 EPS) in 2022.","Pre-tax income hit by $41.8M notable items: $35.4M FDIC special assessment and $6.5M loss on sale of equipment.","Net interest margin (tax-equivalent) expanded to 2.60% from 2.56% QoQ; non-brokered deposits grew $604M.","Allowance for credit losses increased to 0.82% of loans; NPAs declined to $127M (0.52% of loans)."],"urls":{"canonical":"https://secwatch.observer/filing/0001504008-24-000003","json":"https://secwatch.observer/filing/0001504008-24-000003.json","markdown":"https://secwatch.observer/filing/0001504008-24-000003.md","text":"https://secwatch.observer/filing/0001504008-24-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1504008/000150400824000003/0001504008-24-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1504008/000150400824000003/bku-20240126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T16:31:46.690044+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":"2ca8d3fdefcaa66bd7ffd05b5dcd115d7560cb77","claim":"BankUnited, Inc. reported quarter ended December 31, 2023 results: net income $20.8 million, EPS $0.27 per diluted share.","evidence_excerpt":"BankUnited, Inc. (the \"Company\") reported its results for the quarter ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1504008/000150400824000003/0001504008-24-000003-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended December 31, 2023"},{"label":"Net income","value":"$20.8 million"},{"label":"EPS","value":"$0.27 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"8e62f6ec88eef48f6fb6ded745be5a68d4aec176","claim":"BankUnited, Inc. reported year ended December 31, 2023 results: net income $178.7 million, EPS $2.38 per diluted share.","evidence_excerpt":"For the year ended December 31, 2023, the Company reported net income of $178.7 million, or $2.38 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1504008/000150400824000003/0001504008-24-000003-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2023"},{"label":"Net income","value":"$178.7 million"},{"label":"EPS","value":"$2.38 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"}