{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-25-000038","form_type":"8-K","ticker":"SRBK","cik":"0001951276","company_name":"SR Bancorp, Inc.","filed_at":"2025-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.635503+00:00","generated_at":"2026-05-27T04:51:53.003622+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"SR Bancorp Q2 net income falls 36.5% to $1.0M; loans grow 6%, no non-performers","bullets":["Q2 FY2025 net income $1.0M ($0.12 EPS), down from $1.6M YoY; adjusted net income $452K vs $605K.","Net interest margin compressed 68 bps to 2.88%; net interest income fell 19.7% to $7.2M.","Six-month net income $2.4M ($0.27 EPS) vs net loss $8.9M prior year; ex-items $1.1M vs $1.2M.","Loans grew 6.0% to $775.8M; deposits up 2.1% to $824.1M; no non-performing loans at Dec 31, 2024.","Repurchased 347K shares for $3.9M during six months; borrowed $30M from FHLB NY for liquidity."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-25-000038","json":"https://secwatch.observer/filing/0000943374-25-000038.json","markdown":"https://secwatch.observer/filing/0000943374-25-000038.md","text":"https://secwatch.observer/filing/0000943374-25-000038.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1951276/000094337425000038/0000943374-25-000038-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1951276/000094337425000038/form8k_013125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T04:51:53.003622+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"}