{"schema_version":"secwatch.filing_event.v1","accession":"0001504008-25-000044","form_type":"8-K","ticker":"BKU","cik":"0001504008","company_name":"BankUnited, Inc.","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.577014+00:00","generated_at":"2026-05-17T02:43:47.366143+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BankUnited Q3 net income $71.9M, EPS $0.95; NIM expands to 3.00%","bullets":["Net income $71.9M ($0.95 diluted EPS) vs $68.8M ($0.91) prior quarter and $61.5M ($0.81) year ago.","Net interest margin (tax-equivalent) rose 7 bps to 3.00%; net interest income grew $4.0M QoQ.","Total loans declined $231M; residential fell $173M, core C&I and CRE down $69M.","Total deposits flat QoQ; non-interest-bearing demand deposits fell $488M but up $990M YoY.","Provision for credit losses $11.6M vs $15.7M prior Q; net charge-offs $14.7M (annualized 0.26%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001504008-25-000044","json":"https://secwatch.observer/filing/0001504008-25-000044.json","markdown":"https://secwatch.observer/filing/0001504008-25-000044.md","text":"https://secwatch.observer/filing/0001504008-25-000044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1504008/000150400825000044/0001504008-25-000044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1504008/000150400825000044/bku-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:43:47.366143+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"}