{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-024660","form_type":"8-K","ticker":"SRBK","cik":"0001951276","company_name":"SR Bancorp, Inc.","filed_at":"2026-07-28T20:00:38+00:00","discovered_at":"2026-07-28T20:02:00.866287+00:00","generated_at":"2026-07-28T20:02:12.138974+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"SR Bancorp reports Q4 net income $940K, down 57%; full year $3.4M","bullets":["Net income Q4 $940K ($0.13/sh) vs $2.2M ($0.28/sh) YoY; full year $3.4M ($0.45/sh) vs $5.1M.","Adjusted net income Q4 $867K vs $412K; full year $2.8M vs $1.6M (excl fair value accretion and life insurance proceeds).","Total assets $1.19B (+9.7%), net loans $901.2M (+13.0%), deposits $926.4M (+9.5%).","No non-performing loans; allowance for credit losses 0.65% of loans.","Repurchased 978,778 shares for $16.0M during fiscal year; equity decreased $12M to $181.8M."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-024660","json":"https://secwatch.observer/filing/0001437749-26-024660.json","markdown":"https://secwatch.observer/filing/0001437749-26-024660.md","text":"https://secwatch.observer/filing/0001437749-26-024660.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1951276/000143774926024660/0001437749-26-024660-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1951276/000143774926024660/srbk20260331_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-28T20:02:12.138974+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"}