---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-23-035300"
form_type: "8-K"
ticker: "BVFL"
cik: "0001302387"
company_name: "BV Financial, Inc."
filed_at: "2023-07-28T23:59:59+00:00"
generated_at: "2026-06-12T22:52:39.602888+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# BV Financial reports Q2 2023 net income of $3.9M ($0.52 EPS), up from $2.8M ($0.37 EPS) YoY

## Summary
- Net income $3.9M ($0.52 EPS) in Q2 2023 vs $2.8M ($0.37) in Q2 2022; six-month net income $7.0M ($0.94) vs $5.2M ($0.70).
- Net interest margin expanded to 4.19% from 3.70% YoY; net interest income $8.2M in Q2 2023 vs $7.2M.
- Gross loans +$35.7M (+5.4%) to $702.9M; deposits -$14.5M (-2.1%) to $670.1M.
- Non-performing assets fell to $5.1M from $7.9M at Dec 2022; allowance for credit losses 1.16% of loans.
- Community stock offering in process; $54.9M collected; expected close July 31, 2023.

## SEC filing metadata
- accession: 0000950170-23-035300
- form_type: 8-K
- ticker: BVFL
- cik: 0001302387
- company_name: BV Financial, Inc.
- filed_at: 2023-07-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1302387/000095017023035300/0000950170-23-035300-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1302387/000095017023035300/bvfl-20230728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-035300
- JSON: https://secwatch.observer/filing/0000950170-23-035300.json
- Plain text: https://secwatch.observer/filing/0000950170-23-035300.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.