{"schema_version":"secwatch.filing_event.v1","accession":"0001925062-26-000016","form_type":"8-K","ticker":"FRBT","cik":"0001925062","company_name":"Forbright, Inc.","filed_at":"2026-07-30T10:10:50+00:00","discovered_at":"2026-07-30T10:15:00.282707+00:00","generated_at":"2026-07-30T10:15:10.203402+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Forbright Q2 net income $4.1M ($0.10 EPS) down from $11.6M in Q1; NII up to $63.1M, NIM expands to 3.19%","bullets":["Net income $4.1M, basic EPS $0.10, diluted $0.09; Q1 net income was $11.6M ($0.29 basic).","Net interest income $63.1M, up $3.6M QoQ; net interest margin 3.19%, +9 bps QoQ.","Total loans $6.1B, total deposits $7.3B; provision for credit losses $5.9M, net charge-off ratio 0.20%.","Efficiency ratio 77.39%; return on avg tangible common equity 2.19% (non-GAAP).","One-time costs: $5.6M write-down of deferred tax assets and $0.9M IPO expenses in Q2."],"urls":{"canonical":"https://secwatch.observer/filing/0001925062-26-000016","json":"https://secwatch.observer/filing/0001925062-26-000016.json","markdown":"https://secwatch.observer/filing/0001925062-26-000016.md","text":"https://secwatch.observer/filing/0001925062-26-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1925062/000192506226000016/0001925062-26-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1925062/000192506226000016/frbt-20260730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T10:15:10.203402+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"}