{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-024291","form_type":"8-K","ticker":"WSBF","cik":"0001569994","company_name":"Waterstone Financial, Inc.","filed_at":"2026-07-23T20:00:09+00:00","discovered_at":"2026-07-23T20:01:00.374154+00:00","generated_at":"2026-07-23T20:01:37.841172+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Waterstone Financial Q2 net income rises to $8.5M; NIM hits 3.03%, highest since 2022","bullets":["Net income $8.5M ($0.49 diluted EPS) vs $7.7M ($0.43) in Q2 2025, up 10.4%.","Community Banking pre-tax income $9.0M (+18.2% YoY); net interest margin 3.03% (highest since Dec 2022).","Mortgage Banking pre-tax income $1.6M (-20.2% YoY) on softer sales margins; originations up 5.6% to $621.8M.","Book value per share $19.53, up from $19.03 at Dec 2025; repurchased 200k shares at $18.40.","Nonperforming assets 0.30% of total assets, improved from 0.37% a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-024291","json":"https://secwatch.observer/filing/0001437749-26-024291.json","markdown":"https://secwatch.observer/filing/0001437749-26-024291.md","text":"https://secwatch.observer/filing/0001437749-26-024291.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1569994/000143774926024291/0001437749-26-024291-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1569994/000143774926024291/wsbf20260523_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:01:37.841172+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"}