{"schema_version":"secwatch.filing_event.v1","accession":"0001504008-25-000002","form_type":"8-K","ticker":"BKU","cik":"0001504008","company_name":"BankUnited, Inc.","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.819979+00:00","generated_at":"2026-05-27T19:13:14.983367+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 Q4 2024 EPS $0.91 vs $0.81 Q3; net margin expands to 2.84%","bullets":["Net income $69.3M ($0.91 diluted EPS) compared to $61.5M ($0.81) in Q3 2024 and $20.8M ($0.27) in Q4 2023.","Net interest margin (tax-equivalent) improved to 2.84% from 2.78% QoQ; average cost of deposits fell 34 bps to 2.72%.","Total deposits flat QoQ; wholesale funding down $346M QoQ and $2.3B YoY; NIDDA grew $173M QoQ.","Criticized/classified commercial loans declined $75.1M QoQ; NPLs up $26.2M due to one CRE office loan; net charge-off ratio 0.16% for FY 2024.","CET1 ratio 12.0%, tangible book value $36.61 per share; loan to deposit ratio 87.2%."],"urls":{"canonical":"https://secwatch.observer/filing/0001504008-25-000002","json":"https://secwatch.observer/filing/0001504008-25-000002.json","markdown":"https://secwatch.observer/filing/0001504008-25-000002.md","text":"https://secwatch.observer/filing/0001504008-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1504008/000150400825000002/0001504008-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1504008/000150400825000002/bku-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T19:13:14.983367+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"}