{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-113927","form_type":"8-K","ticker":null,"cik":"0001382230","company_name":"ESSA Bancorp, Inc.","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.174977+00:00","generated_at":"2026-06-03T07:41:32.818443+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"ESSA Bancorp Q2 net income $4.6M ($0.48 EPS), stable YoY; margin pressure persists","bullets":["Net income $4.6M ($0.48 diluted EPS) for Q2 ended March 31, 2024, flat vs $4.7M ($0.48) a year ago.","Total interest income rose 27.9% to $25.7M; net interest margin narrowed to 2.87% from 3.34% YoY.","Total net loans grew to $1.71B from $1.68B at Sept 30, 2023; commercial real estate loans up 4.2% to $856.1M.","Deposits fell to $1.45B from $1.66B at Sept 30, 2023; core deposits were 69.3% of total.","Tangible book value per share increased to $20.70 from $19.80 at Sept 30, 2023; Tier 1 capital ratio 9.5%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-113927","json":"https://secwatch.observer/filing/0001193125-24-113927.json","markdown":"https://secwatch.observer/filing/0001193125-24-113927.md","text":"https://secwatch.observer/filing/0001193125-24-113927.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1382230/000119312524113927/0001193125-24-113927-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1382230/000119312524113927/d831830d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T07:41:32.818443+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":[{"claim_id":"718e819f8d5c73687f4c2036be28963d1e9d2ad6","claim":"ESSA Bancorp, Inc. reported financial results for fiscal second quarter and fiscal first half periods ended March 31, 2024.","evidence_excerpt":"On April 24, 2024, ESSA Bancorp, Inc. (the \"Company\") issued a press release reporting its financial results for the period ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1382230/000119312524113927/0001193125-24-113927-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fiscal second quarter and fiscal first half periods ended March 31, 2024"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}