---
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"
generated_at: "2026-05-17T02:43:47.366143+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BankUnited Q3 net income $71.9M, EPS $0.95; NIM expands to 3.00%

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001504008-25-000044
- JSON: https://secwatch.observer/filing/0001504008-25-000044.json
- Plain text: https://secwatch.observer/filing/0001504008-25-000044.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.