{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-084896","form_type":"8-K","ticker":"BVFL","cik":"0001302387","company_name":"BV Financial, Inc.","filed_at":"2024-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.512745+00:00","generated_at":"2026-05-31T18:58:51.804364+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"BV Financial Q2 net income $3.4M ($0.32/sh) down from $3.9M ($0.49) YoY","bullets":["Net income $3.4M ($0.32 diluted EPS) for Q2 ended June 30, 2024; prior year $3.9M ($0.49).","Net interest margin improved to 4.33% in Q2 2024 vs 4.19% in Q2 2023.","Total deposits rose 1.0% to $640.3M; non-accrual loans fell 22% to $8.2M.","Recovery of provision for credit losses of $111K in quarter; allowance 1.22% of loans.","Noninterest income dropped to $600K from $1.4M due to prior year $678K gain on real estate sale."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-084896","json":"https://secwatch.observer/filing/0000950170-24-084896.json","markdown":"https://secwatch.observer/filing/0000950170-24-084896.md","text":"https://secwatch.observer/filing/0000950170-24-084896.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1302387/000095017024084896/0000950170-24-084896-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1302387/000095017024084896/bvfl-20240718.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T18:58:51.804364+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"}