{"schema_version":"secwatch.filing_event.v1","accession":"0001504008-24-000027","form_type":"8-K","ticker":"BKU","cik":"0001504008","company_name":"BankUnited, Inc.","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.617450+00:00","generated_at":"2026-05-30T11:36:29.132949+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BankUnited Q3 net income $61.5M ($0.81 EPS), up from $0.72 last Q; NIM expands to 2.78%","bullets":["Net income $61.5M ($0.81 diluted EPS) vs $53.7M ($0.72) in Q2 2024 and $47.0M ($0.63) in Q3 2023.","Net interest margin (tax-equivalent) rose 6bp to 2.78%; avg cost of total deposits fell 3bp to 3.06%.","Total loans declined $230M QoQ; core CRE and C&I grew $286M YTD while residential and specialty fell.","ACL ratio increased to 0.94%; NPAs rose to 0.92% of loans (0.70% prior Q) driven by two C&I loans.","CET1 ratio 11.8% (pro-forma 10.9% incl. AOCI); tangible book value per share $36.52, up from $35.07."],"urls":{"canonical":"https://secwatch.observer/filing/0001504008-24-000027","json":"https://secwatch.observer/filing/0001504008-24-000027.json","markdown":"https://secwatch.observer/filing/0001504008-24-000027.md","text":"https://secwatch.observer/filing/0001504008-24-000027.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1504008/000150400824000027/0001504008-24-000027-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1504008/000150400824000027/bku-20241022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:36:29.132949+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"}