{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002479","form_type":"8-K","ticker":"SFDL","cik":"0000818677","company_name":"SECURITY FEDERAL CORP","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.770616+00:00","generated_at":"2026-05-16T06:11:57.215949+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Security Federal Q4 EPS $1.24 vs $0.94; full-year $3.80 vs $2.77","bullets":["Q4 2025 net income available to common $3.9M ($1.24/share) vs $3.0M ($0.94) in Q4 2024.","Full-year 2025 net income available to common $12.0M ($3.80/share) vs $8.9M ($2.77) in 2024.","Net interest income rose 11.5% to $12.6M in Q4, driven by lower interest expense.","Recorded $235K reversal of provision for credit losses in 2025 vs. $1.4M provision in 2024; NPAs fell to $5.8M.","Common equity book value per share increased to $37.74 from $31.21 a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002479","json":"https://secwatch.observer/filing/0001437749-26-002479.json","markdown":"https://secwatch.observer/filing/0001437749-26-002479.md","text":"https://secwatch.observer/filing/0001437749-26-002479.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/818677/000143774926002479/0001437749-26-002479-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/818677/000143774926002479/sfdl20260129_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:11:57.215949+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"}