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At first I thought running play as well, but the case book is definitive:
10.3.1 SITUATION C:
With first and 10 from A's 5-yard line, A1 drops back into his end zone, where he is tackled by the face mask/helmet opening and fumbles. The ball rolls out of bounds at A's 3-yard line.
RULING: The fumble by A is a loose-ball play behind the neutral zone which would be enforced from the previous spot. Following penalty administration, it will be A's ball, first and 10, at A's 20-yard line.
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