{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-258476","form_type":"8-K","ticker":"SRBK","cik":"0001951276","company_name":"SR Bancorp, Inc.","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.135762+00:00","generated_at":"2026-05-17T01:26:02.716882+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"SR Bancorp posts Q1 fiscal 2026 net income of $693K, down 49% YoY; EPS $0.09","bullets":["Net income $693K ($0.09 diluted EPS) vs $1.4M in prior-year quarter; adjusted net income $475K excluding $303K acquisition accretion.","Total loans grew 3.7% to $826.4M led by residential mortgage ($12.5M) and commercial ($16.0M); deposits up 2.8% to $869.6M.","Net interest margin compressed 16 bps to 3.05%; provision for credit losses of $171K vs recovery of $154K a year ago.","Noninterest income fell 29.5% to $565K; noninterest expense rose 4% to $7.1M due to stock-based compensation.","Company repurchased 198,310 shares for $2.9M during the quarter; no non-performing loans at Sep 30, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-258476","json":"https://secwatch.observer/filing/0001193125-25-258476.json","markdown":"https://secwatch.observer/filing/0001193125-25-258476.md","text":"https://secwatch.observer/filing/0001193125-25-258476.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1951276/000119312525258476/0001193125-25-258476-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1951276/000119312525258476/srbk-20251030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:26:02.716882+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"}