{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-22-000528","form_type":"8-K","ticker":"MGYR","cik":"0001337068","company_name":"Magyar Bancorp, Inc.","filed_at":"2022-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:04:00.305664+00:00","generated_at":"2026-06-26T06:06:41.922724+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Magyar Bancorp Q2 fiscal 2022 net income up 11.5% to $1.68M; EPS $0.25 vs $0.21","bullets":["Net income $1.68M for Q2 ended Mar 31, 2022, up from $1.51M a year ago; diluted EPS $0.25 vs $0.21.","Net interest margin compressed to 3.37% from 3.64%; net interest income flat at $6.4M.","Provision for loan losses dropped to $71K from $467K; net recoveries of $1K vs net charge-offs of $43K.","Non-performing loans fell 27.3% to $5.9M; ratio to total loans improved to 0.96% from 1.37%.","Total deposits grew 5.5% to $675.2M; borrowings decreased 18% to $19.2M."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-22-000528","json":"https://secwatch.observer/filing/0001174947-22-000528.json","markdown":"https://secwatch.observer/filing/0001174947-22-000528.md","text":"https://secwatch.observer/filing/0001174947-22-000528.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1337068/000117494722000528/0001174947-22-000528-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1337068/000117494722000528/form8k-27894_mgyr.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T06:06:41.922724+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"}