{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-21-000692","form_type":"8-K","ticker":"MGYR","cik":"0001337068","company_name":"Magyar Bancorp, Inc.","filed_at":"2021-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:17.754831+00:00","generated_at":"2026-06-30T02:30:32.893110+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Magyar Bancorp Q3 net income surges 228% to $1.67M, EPS $0.29","bullets":["Net income for three months ended June 30, 2021: $1,668,000 vs $509,000 YoY; EPS $0.29 vs $0.09.","Net interest margin expanded 28 bps to 3.54%; net interest and dividend income up 15.9% to $6.5M.","Total assets grew 11.7% to $842.3M; held $109.6M in stock subscription deposits for second-step conversion.","Non-performing loans ratio improved to 1.53% from 1.59%; allowance for loan losses at 1.27% of total loans.","Nine-month net income $4.51M ($0.78 EPS) vs $1.37M ($0.24 EPS) in prior year period."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-21-000692","json":"https://secwatch.observer/filing/0001174947-21-000692.json","markdown":"https://secwatch.observer/filing/0001174947-21-000692.md","text":"https://secwatch.observer/filing/0001174947-21-000692.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1337068/000117494721000692/0001174947-21-000692-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1337068/000117494721000692/form8k-26464_mgyr.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T02:30:32.893110+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"}