{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-189496","form_type":"8-K","ticker":"SRBK","cik":"0001951276","company_name":"SR Bancorp, Inc.","filed_at":"2024-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.261642+00:00","generated_at":"2026-05-31T14:33:23.436939+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SR Bancorp reports FY2024 net loss of $10.9M; Q4 net loss $3.0M on securities sale","bullets":["FY2024 net loss of $10.9M vs net income of $1.6M prior year; includes $4.4M merger costs, $5.4M charitable donation, $4.4M securities loss.","Q4 FY2024 net loss of $3.0M vs Q3 net income of $1.1M; loss driven by $4.4M loss on securities sale.","Total assets $1.02B (+56.7% YoY); loans $731.9M (+102%) due to Regal Bancorp acquisition.","Balance sheet repositioning sold $35.4M securities, loss recouped in ~3.27 years via loan yields.","IPO and merger with Regal Bancorp completed Sep 2023; 9.5M shares outstanding, $86.9M net proceeds."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-189496","json":"https://secwatch.observer/filing/0001193125-24-189496.json","markdown":"https://secwatch.observer/filing/0001193125-24-189496.md","text":"https://secwatch.observer/filing/0001193125-24-189496.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1951276/000119312524189496/0001193125-24-189496-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1951276/000119312524189496/d874615d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:33:23.436939+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"}