{"filing":{"accession_number":"0000910073-26-000065","cik":"0000910073","ticker":"FLG-PU","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","form":"8-K","filing_date":"2026-07-24","report_date":"2026-07-24","primary_document":"nycb-20260724.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/910073/000091007326000065/nycb-20260724.htm"},"events":[{"id":20264,"run_id":18243,"accession_number":"0000910073-26-000065","anchor_item_number":"2.02","event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.97,"summary":"Flagstar Bank reported second quarter 2026 financial results with net income of $0.06 per diluted share, marking the third consecutive quarter of profitability. The filing disclosed significant loan growth of $2.0 billion in C\u0026I loans, deposit growth of $689 million, and announced a $250 million share repurchase program.","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG-PU","filing_date":"2026-07-24","form":"8-K","submitted_at":null,"items":[{"id":19577,"accession_number":"0000910073-26-000065","item_number":"2.02","item_title":null,"event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.98,"reasoning":"Item 2.02 discloses Flagstar Bank's second quarter 2026 financial results via a press release dated July 24, 2026. The filing reports net income of $0.06 per diluted share, third consecutive quarter of profitability, significant loan growth ($2.0 billion in C\u0026I loans), deposit growth of $689 million, and a $250 million share repurchase program announcement. This is a standard quarterly earnings release with material financial metrics affecting investor assessment of the registrant's performance and capital position.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-24T10:10:44.914960+00:00","company_name":"","ticker":null,"filing_date":""},{"id":19578,"accession_number":"0000910073-26-000065","item_number":"7.01","item_title":null,"event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"The filing discloses Flagstar Bank's second quarter 2026 financial results, including net income of $0.06 per diluted share, deposit and loan growth metrics, and capital ratios. The earnings release (EX-99.1) is the primary substantive disclosure, with Item 7.01 announcing the distribution of a written presentation (EX-99.2) to investors. This is a standard quarterly earnings announcement material to investors assessing the registrant's financial performance and operational progress.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-24T10:10:44.914960+00:00","company_name":"","ticker":null,"filing_date":""}]},{"id":20265,"run_id":18243,"accession_number":"0000910073-26-000065","anchor_item_number":"8.01","event_type":"dividend_distribution","event_domain":"financial","is_material":true,"confidence":0.92,"summary":"The Board authorized a $250 million share repurchase program to be executed over the next 12 months, reflecting capital allocation policy and management confidence in the Bank's financial position and excess capital availability.","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG-PU","filing_date":"2026-07-24","form":"8-K","submitted_at":null,"items":[{"id":19579,"accession_number":"0000910073-26-000065","item_number":"8.01","item_title":null,"event_type":"dividend_distribution","event_domain":"financial","is_material":true,"confidence":0.92,"reasoning":"The Item 8.01 disclosure announces a Board-authorized $250 million share repurchase program over the next 12 months. While share repurchases are technically a return of capital to shareholders (similar to dividends), they are distinct from dividend declarations. However, the taxonomy includes \"dividend_distribution\" which covers \"share-repurchase programs\" explicitly. The announcement is material as it reflects capital allocation policy and signals management confidence in the Bank's financial position and excess capital availability.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-24T10:10:44.914960+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":19577,"accession_number":"0000910073-26-000065","item_number":"2.02","item_title":null,"event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.98,"reasoning":"Item 2.02 discloses Flagstar Bank's second quarter 2026 financial results via a press release dated July 24, 2026. The filing reports net income of $0.06 per diluted share, third consecutive quarter of profitability, significant loan growth ($2.0 billion in C\u0026I loans), deposit growth of $689 million, and a $250 million share repurchase program announcement. This is a standard quarterly earnings release with material financial metrics affecting investor assessment of the registrant's performance and capital position.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-24T10:10:44.914960+00:00","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG-PU","filing_date":"2026-07-24"},{"id":19578,"accession_number":"0000910073-26-000065","item_number":"7.01","item_title":null,"event_type":"earnings_release","event_domain":"financial","is_material":true,"confidence":0.95,"reasoning":"The filing discloses Flagstar Bank's second quarter 2026 financial results, including net income of $0.06 per diluted share, deposit and loan growth metrics, and capital ratios. The earnings release (EX-99.1) is the primary substantive disclosure, with Item 7.01 announcing the distribution of a written presentation (EX-99.2) to investors. This is a standard quarterly earnings announcement material to investors assessing the registrant's financial performance and operational progress.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-24T10:10:44.914960+00:00","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG-PU","filing_date":"2026-07-24"},{"id":19579,"accession_number":"0000910073-26-000065","item_number":"8.01","item_title":null,"event_type":"dividend_distribution","event_domain":"financial","is_material":true,"confidence":0.92,"reasoning":"The Item 8.01 disclosure announces a Board-authorized $250 million share repurchase program over the next 12 months. While share repurchases are technically a return of capital to shareholders (similar to dividends), they are distinct from dividend declarations. However, the taxonomy includes \"dividend_distribution\" which covers \"share-repurchase programs\" explicitly. The announcement is material as it reflects capital allocation policy and signals management confidence in the Bank's financial position and excess capital availability.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-24T10:10:44.914960+00:00","company_name":"FLAGSTAR BANK, NATIONAL ASSOCIATION","ticker":"FLG-PU","filing_date":"2026-07-24"}]}