{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-060999","form_type":"8-K","ticker":"SRBK","cik":"0001951276","company_name":"SR Bancorp, Inc.","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.552191+00:00","generated_at":"2026-05-23T02:45:32.375663+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"SR Bancorp Q3 net income falls 49.5% to $537K; nine-month earnings swing to $2.9M","bullets":["Net income of $537K ($0.06/sh) for Q3 FY2025 vs $1.1M in prior year; ex-accretion income was $124K.","Nine-month net income $2.9M ($0.34/sh) vs $7.8M net loss year ago; benefited from absence of $5.4M charitable contribution and merger costs.","Net loans $780.8M (+6.7% from June 30, 2024); total assets $1.07B; deposits $835.6M (+3.5%).","Net interest margin fell 49bps to 2.82% for Q3; net interest income down 13.1% YoY to $7.2M.","No non-performing loans at March 31, 2025; allowance for credit losses at 0.65% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-060999","json":"https://secwatch.observer/filing/0000950170-25-060999.json","markdown":"https://secwatch.observer/filing/0000950170-25-060999.md","text":"https://secwatch.observer/filing/0000950170-25-060999.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1951276/000095017025060999/0000950170-25-060999-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1951276/000095017025060999/srbk-20250430.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:45:32.375663+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"}