{"schema_version":"secwatch.filing_event.v1","accession":"0001978811-26-000003","form_type":"8-K","ticker":"GOVB","cik":"0001978811","company_name":"Gouverneur Bancorp, Inc./MD/","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.921340+00:00","generated_at":"2026-05-16T07:08:00.979814+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Gouverneur Bancorp Q1 net income up 79% to $287K; EPS $0.28 vs $0.15","bullets":["Net income $287K ($0.28 basic EPS) vs $160K ($0.15) year ago.","Total assets $201.9M, up 1.7% from Sept. 30, 2025; deposits rose $3.7M to $158.5M.","Net interest margin improved to 4.06% from 3.99% YoY; $13K provision for credit losses.","Non-interest income increased $101K including $103K bank-owned life insurance death benefit.","Book value $30.69 per share; declared $0.09/share dividend."],"urls":{"canonical":"https://secwatch.observer/filing/0001978811-26-000003","json":"https://secwatch.observer/filing/0001978811-26-000003.json","markdown":"https://secwatch.observer/filing/0001978811-26-000003.md","text":"https://secwatch.observer/filing/0001978811-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1978811/000197881126000003/0001978811-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1978811/000197881126000003/tmb-20260127x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:08:00.979814+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"}