{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002314","form_type":"8-K","ticker":"ALRS","cik":"0000903419","company_name":"ALERUS FINANCIAL CORP","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.997843+00:00","generated_at":"2026-05-16T07:18:54.017108+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Alerus Financial Reports Q4 2025 Net Loss of $33.1M, Completes Balance Sheet Repositioning","bullets":["Q4 2025 net loss of $33.1M due to $68.4M pre-tax loss from sale of $360.1M low-yield securities.","Adjusted diluted EPS of $0.85 vs. $0.66 in Q3 2025; adjusted ROAA of 1.62% vs. 1.28%.","Net interest margin improved to 3.69% from 3.50% QoQ; tangible book value rose 21.54% YoY to $17.55.","Full-year 2025 adjusted efficiency ratio improved to 64.45% from 73.45% in 2024.","Retirement and wealth assets under administration and management reached $49.8 billion."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002314","json":"https://secwatch.observer/filing/0001437749-26-002314.json","markdown":"https://secwatch.observer/filing/0001437749-26-002314.md","text":"https://secwatch.observer/filing/0001437749-26-002314.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/903419/000143774926002314/0001437749-26-002314-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/903419/000143774926002314/alrs20251112c_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-16T07:18:54.017108+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"}