{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-033517","form_type":"8-K","ticker":"SRBK","cik":"0001951276","company_name":"SR Bancorp, Inc.","filed_at":"2026-10-26T20:00:48+00:00","discovered_at":"2026-10-26T20:02:00.332618+00:00","generated_at":"2026-10-26T20:02:09.118662+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"SR Bancorp Q1 net income up 54.1% to $1.1M ($0.15/sh); loans +5.1% and deposits +5.7% from June 30","bullets":["Net income $1.1M, or $0.15 per basic and diluted share, vs $693K ($0.09) a year earlier; excluding $47K net accretion income, net income would have been $1.0M.","Net interest income rose 9.3% to $8.3M; net interest margin slipped 2 bp to 3.03% while the net interest rate spread edged up 1 bp to 2.57%.","Total assets $1.22B (+2.0% from June 30); net loans $947.4M (+5.1%) on $32.3M commercial and $13.9M residential growth; deposits $979.2M (+5.7%).","Raised $50.0M of brokered CDs in the quarter and cut borrowings to $35.0M from $65.0M; uninsured deposits were $193.9M, or 19.8% of total.","Provision for credit losses $177K with no charge-offs or non-performing loans; ACL 0.64% of loans; repurchased 17,127 shares for $328K."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-033517","json":"https://secwatch.observer/filing/0001437749-26-033517.json","markdown":"https://secwatch.observer/filing/0001437749-26-033517.md","text":"https://secwatch.observer/filing/0001437749-26-033517.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1951276/000143774926033517/0001437749-26-033517-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1951276/000143774926033517/srbk20260921c_8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-26T20:02:09.118662+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"}