{"schema_version":"secwatch.filing_event.v1","accession":"0001978811-26-000008","form_type":"8-K","ticker":"GOVB","cik":"0001978811","company_name":"Gouverneur Bancorp, Inc./MD/","filed_at":"2026-07-30T17:28:33+00:00","discovered_at":"2026-07-30T17:29:00.520686+00:00","generated_at":"2026-07-30T17:29:22.258858+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Gouverneur Bancorp Q3 net income up 10% YoY; announces $23.8M securities sale and $20M loan sale","bullets":["Net income $239k ($0.23 EPS) for Q3 June 30, 2026, up from $217k ($0.22 EPS) YoY.","Nine-month net income $743k ($0.72 EPS) vs $495k ($0.48 EPS) prior year.","Sold $23.8M of AFS securities at 3.62% yield, recognizing ~$2.0M pre-tax loss; reinvested $11.6M into shorter-duration securities at 5.01% yield.","Planning to sell ~$20M of lower-yielding loans at ~3.70% yield, expected pre-tax loss ~$2.0M; proceeds to fund higher-yielding loan growth.","Strategy expected to increase net interest margin by ~51 bps and annual EPS by ~$0.58 once fully deployed, with earn-back period of ~5 years."],"urls":{"canonical":"https://secwatch.observer/filing/0001978811-26-000008","json":"https://secwatch.observer/filing/0001978811-26-000008.json","markdown":"https://secwatch.observer/filing/0001978811-26-000008.md","text":"https://secwatch.observer/filing/0001978811-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1978811/000197881126000008/0001978811-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1978811/000197881126000008/tmb-20260729x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T17:29:22.258858+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"}