{"schema_version":"secwatch.filing_event.v1","accession":"0001978811-25-000003","form_type":"8-K","ticker":"GOVB","cik":"0001978811","company_name":"Gouverneur Bancorp, Inc./MD/","filed_at":"2025-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.198357+00:00","generated_at":"2026-05-17T01:09:25.801226+00:00","sec_items":["2.02","5.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Gouverneur Bancorp Q4 net income $238K, up 75% YoY; full-year EPS $0.72","bullets":["Q4 net income $238K ($0.24 EPS) vs $136K ($0.13 EPS) YoY; full-year net income $733K ($0.72 EPS) vs $539K ($0.51 EPS).","Net interest margin improved to 4.12% for Q4 from 4.04% a year ago; full-year NIM 4.08% vs 4.03%.","Total assets $198.5M, up 0.64% YoY; net loans increased 5.83% to $131.5M; deposits decreased 3.2% to $154.8M.","Company entered change in control agreements with CEO, CFO, COO providing 2x salary/bonus upon termination after change in control."],"urls":{"canonical":"https://secwatch.observer/filing/0001978811-25-000003","json":"https://secwatch.observer/filing/0001978811-25-000003.json","markdown":"https://secwatch.observer/filing/0001978811-25-000003.md","text":"https://secwatch.observer/filing/0001978811-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1978811/000197881125000003/0001978811-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1978811/000197881125000003/tmb-20251030x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:09:25.801226+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"}