---
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"
generated_at: "2026-05-31T18:58:51.804364+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# BV Financial Q2 net income $3.4M ($0.32/sh) down from $3.9M ($0.49) YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-084896
- JSON: https://secwatch.observer/filing/0000950170-24-084896.json
- Plain text: https://secwatch.observer/filing/0000950170-24-084896.txt

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