{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-017522","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2022-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:56.207436+00:00","generated_at":"2026-06-24T09:59:01.490492+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.78,"calibrated_materiality_score":0.78,"confidence":"high","headline":"Waterstone Financial Q2 net income drops to $8.0M from $17.9M; EPS $0.36 vs $0.74","bullets":["Net income $8.0M ($0.36 diluted) vs $17.9M ($0.74) in Q2 2021; six-month EPS $0.58 vs $1.64.","Mortgage banking pre-tax income $2.3M vs $14.2M; originations $778.8M (-26.9% YoY); gross margin 3.76% vs 4.81%.","Community banking pre-tax income $8.0M (-17.7% YoY); net interest margin up 24bp to 3.02%.","Repurchased ~1.4M shares for $24.2M during Q2; dividend declared $0.20/share.","Nonperforming assets 0.39% of total assets vs 0.20% a year ago; past due loans 0.60%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-017522","json":"https://secwatch.observer/filing/0001437749-22-017522.json","markdown":"https://secwatch.observer/filing/0001437749-22-017522.md","text":"https://secwatch.observer/filing/0001437749-22-017522.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774922017522/0001437749-22-017522-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774922017522/wsbf20220613_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T09:59:01.490492+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"}