{"filings":[{"id":97033,"accession_number":"0001978811-26-000006","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Gouverneur Bancorp Q2 net income $217K ($0.21/sh), up 84% YoY; net interest margin expands to 4.22%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $217K ($0.21 diluted EPS) for Q2 FY2026, vs $118K ($0.11) a year ago.","Six-month net income $504K ($0.49) vs $278K ($0.27) in prior year.","Net interest margin improved to 4.22% from 4.06% for the quarter.","Deposits grew $5.2M to $160.0M; FHLB advances reduced from $7M to $1M.","Book value per share $30.86 vs $30.55 at Sept 30, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":111483,"accession_number":"0001104659-26-013361","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2026-02-11T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Annual meeting elects three directors and ratifies auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Directors Henry J. Leader, Duane M. Pelkey, Chad B. Soper each elected with >450K votes FOR; 279,606 broker non-votes.","Ratification of Bonadio & Co., LLP as auditor for FY ending Sep 30, 2026: 733,379 FOR, 22,231 AGAINST, 4,848 ABSTAIN.","Annual meeting held February 9, 2026; results reflect shareholder votes for three-year director terms."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":111482,"accession_number":"0001978811-26-000003","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Gouverneur Bancorp Q1 net income up 79% to $287K; EPS $0.28 vs $0.15","summary_kind":"llm","event_type":"earnings","confidence":"high","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."],"consensus_eps_estimate":null,"consensus_eps_actual":0.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":128093,"accession_number":"0001978811-25-000003","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2025-10-31T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Gouverneur Bancorp Q4 net income $238K, up 75% YoY; full-year EPS $0.72","summary_kind":"llm","event_type":"earnings","confidence":"high","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."],"consensus_eps_estimate":null,"consensus_eps_actual":0.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":144886,"accession_number":"0001104659-25-081429","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2025-08-21T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Gouverneur Bancorp appoints Duane M. Pelkey as director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointed Duane M. Pelkey to board of directors of Company and Bank effective August 18, 2025.","Standard director compensation: $27,600 annual cash retainer.","No committee assignments; no material transactions or arrangements with Mr. Pelkey."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":144885,"accession_number":"0001104659-25-076932","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2025-08-12T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Gouverneur Bancorp names Stephen M. Jefferies President and CEO effective September 2, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Stephen M. Jefferies appointed President, CEO, and director of the Company and Bank, effective Sept 2, 2025.","Charles C. Van Vleet, Jr. will retire as Interim President and CEO on Sept 2; will stay through Dec 31 for transition.","Jefferies previously President and CEO of Community Bank & Trust (2022-2025); nearly 40 years banking experience.","He will receive $250k base salary, 10,000 stock options, and 4,000 restricted shares, vesting over 5 years.","Jefferies also receives standard director compensation of $27,600 annual cash retainer."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":144884,"accession_number":"0001104659-25-070672","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2025-07-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Gouverneur Bancorp approves new stock repurchase program for up to 52,778 shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to 52,778 shares (5% of outstanding) via open market, Rule 10b5-1 plans, or private deals.","Program expires July 24, 2026, or upon completion of all repurchases.","Prior program (Dec 2024) authorized 55,356 shares; 51,569 shares repurchased at avg $12.29 as of July 23, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":144883,"accession_number":"0001104659-25-069579","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2025-07-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Gouverneur Bancorp Q3 net income $217K ($0.22 EPS), up from $183K ($0.17 EPS) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income for Q3 June 30, 2025: $217,000 ($0.22 basic EPS) vs $183,000 ($0.17) prior year.","Nine-month net income: $495,000 ($0.48 EPS) vs $403,000 ($0.38) prior year.","Net interest margin improved to 4.15% for Q3 from 4.03% a year ago.","Total assets $196.7M at June 30, 2025, down 0.27% from Sept 30, 2024.","Book value per share $29.74, up from $29.59; dividends declared $0.16 per share for nine months."],"consensus_eps_estimate":null,"consensus_eps_actual":0.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":163277,"accession_number":"0001104659-25-050051","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2025-05-16T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"CEO Robert W. Barlow resigns; Charles C. Van Vleet appointed interim CEO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Robert W. Barlow resigned as President, CEO, and director effective May 13, 2025.","Board appointed Charles C. Van Vleet as Interim President and CEO effective same day.","Van Vleet previously served as CEO of the bank from 2010-2021 and again 2023-2024.","No material plan, contract, or compensatory arrangement entered with Van Vleet."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":163276,"accession_number":"0001104659-25-038579","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Gouverneur Bancorp Q2 net income rises to $118k ($0.11/share) from $102k YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $118k for quarter ended Mar 31, 2025 vs $102k in prior year; EPS $0.11 vs $0.10.","Six-month net income $278k ($0.27/share) vs $220k ($0.21/share) YoY.","Net interest margin remained 4.06% for the quarter; no credit loss provision taken.","Total deposits increased $1.9M to $161.8M from Sep 30, 2024; no FHLB advances or brokered deposits.","Book value per share $29.63 at Mar 31, 2025; declared $0.08 per share dividend during six months."],"consensus_eps_estimate":null,"consensus_eps_actual":0.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181218,"accession_number":"0001104659-25-012211","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2025-02-12T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Gouverneur Bancorp shareholders approve 2025 Equity Incentive Plan, elect directors","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stockholders approved the 2025 Equity Incentive Plan with 450,606 votes for, 408,405 against.","Directors elected: Robert W. Barlow (518,555 for), David C. McClure (595,664 for), Amy M. Rapholz (516,241 for).","Ratification of Bonadio & Co. LLP as auditor for FY 2025 approved with 820,886 votes for.","Broker non-votes of 78,362 on director election and plan approval; none on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181217,"accession_number":"0001104659-25-006567","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Gouverneur Bancorp Q1 net income $160k ($0.15 EPS) vs $118k ($0.11) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $160k ($0.15 diluted EPS) vs $118k ($0.11) in prior-year quarter.","Net interest spread narrowed to 3.78% from 3.84%; interest expense rose 23.8% to $401k.","Provision for credit loss decreased to $15k from $70k YoY.","Shareholders' equity fell 3.1% to $31.7M due to $1.1M AOCI decline from securities market value.","Book value per share decreased to $28.68 from $29.59 at Sept 30."],"consensus_eps_estimate":null,"consensus_eps_actual":0.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":198060,"accession_number":"0001104659-24-127644","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2024-12-11T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Gouverneur Bancorp authorizes repurchase of up to 55,356 shares (5% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved repurchase of up to 55,356 shares, representing 5% of outstanding common stock.","Repurchases may be conducted through open market purchases, Rule 10b5-1 plan, or private transactions.","Program terminates upon completion of all share purchases or on December 10, 2025, whichever occurs first.","Company's common stock trades on OTCQB under symbol GOVB."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":198059,"accession_number":"0001104659-24-120935","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2024-11-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Gouverneur Bancorp reports Q4 net income $136K ($0.13 EPS), up from $86K; FY net income $539K ($0.51 EPS)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $136K ($0.13 diluted EPS) vs $86K ($0.04) a year ago, up 58%.","FY 2024 net income $539K ($0.51 diluted EPS) vs $317K ($0.16) in FY 2023.","Adjusted Q4 net income $161K; adjusted FY net income $729K vs $951K prior year.","Company completed second-step conversion on Oct 31, 2023, raising $7.23M from 723K shares at $10.","Ticker GOVB trades OTCQB; no dividend or guidance changes announced."],"consensus_eps_estimate":null,"consensus_eps_actual":0.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":198058,"accession_number":"0001104659-24-112671","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Gouverneur Bancorp withdraws OCC conversion application; stays state-chartered","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Bank withdrew application to convert from NY chartered stock savings and loan to national banking association on Oct 30, 2024.","The Bank remains regulated by FDIC and NYS Department of Financial Services.","GS&L Municipal Bank continues as a wholly owned subsidiary of the Bank.","No financial impact or change in operations described in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":198057,"accession_number":"0001104659-24-111494","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2024-10-25T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Charles Van Vleet to retire from Gouverneur Bancorp effective Dec 31, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Charles C. Van Vleet, Jr. notified the boards of the company and the bank of his retirement.","Retirement effective December 31, 2024; not due to any disagreement with the company or bank.","Vacancy on the board created; no successor named in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":198056,"accession_number":"0001104659-24-110485","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2024-10-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Gouverneur Bancorp declares $0.08 semi-annual dividend; first since conversion","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Semi-annual cash dividend of $0.08 per common share declared by Board.","Dividend payable on or about November 18, 2024 to holders of record November 4, 2024.","First dividend since completion of mutual-to-stock conversion.","Company trades on OTCQB under ticker GOVB."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":214208,"accession_number":"0001104659-24-081042","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2024-07-19T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"EVP Taylor Robbins resigns from Gouverneur Bancorp effective immediately","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Taylor Robbins resigned as Executive Vice President of Gouverneur Bancorp, Gouverneur Savings and Loan Association, and GS&L Municipal Bank effective July 18, 2024.","No reason was provided for the resignation, and no replacement has been announced.","The departure is effective immediately; Robbins no longer holds any executive role at the company or its subsidiaries."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":233442,"accession_number":"0001104659-24-049478","cik":1978811,"company_name":"Gouverneur Bancorp, Inc./MD/","ticker":"GOVB","form_type":"8-K","filed_at":"2024-04-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Gouverneur Bancorp appoints Robert W. Barlow as director and enters change-in-control agreement","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Robert W. Barlow, previously appointed President and CEO in March 2024, elected as director of the Company and Bank on April 15, 2024.","Bank entered Change in Control Agreement with Barlow; initial one-year term, auto-renewing unless non-renewal notice given.","Termination without cause or for good reason within 24 months post-change-in-control triggers lump sum equal to base salary plus highest annual bonus in prior two years.","Agreement includes net-after-tax benefit provision to avoid excess parachute payments under Section 280G.","No transactions involving Barlow that would require disclosure under Item 404(a) of Reg S-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":20035524.19134993,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}