{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-023211","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.385607+00:00","generated_at":"2026-05-18T04:17:56.182746+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Waterstone Financial Q2 net income $7.7M ($0.43 EPS) vs $5.7M ($0.31) YoY; NIM expands 59 bps","bullets":["Pre-tax income in Community Banking up 50.4% YoY to $7.6M; net interest income rose 21.4% to $13.6M.","Net interest margin improved 59 bps to 2.60% from 2.01% a year ago; efficiency ratio improved to 50.40%.","Mortgage Banking pre-tax income steady at $2.0M; loan originations fell 7.1% to $588.8M.","Repurchased ~508k shares at $12.80/share ($6.5M); book value per share rose to $18.19 from $17.53 at end-2024.","Dividend declared $0.15 per share; nonperforming assets remained low at 0.37% of total assets."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-023211","json":"https://secwatch.observer/filing/0001437749-25-023211.json","markdown":"https://secwatch.observer/filing/0001437749-25-023211.md","text":"https://secwatch.observer/filing/0001437749-25-023211.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774925023211/0001437749-25-023211-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774925023211/wsbf20250528_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:17:56.182746+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"}