{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-116214","form_type":"8-K","ticker":"BVFL","cik":"0001302387","company_name":"BV Financial, Inc.","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.019505+00:00","generated_at":"2026-05-30T11:30:55.553132+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"BV Financial reports Q3 net income $3.8M ($0.35 EPS); asset quality improves with non-accrual loans down 62%","bullets":["Net income $3.8M ($0.35 diluted EPS) in Q3 2024 vs $3.7M ($0.35) in Q3 2023.","Net interest margin expanded to 4.49% from 4.10% year-over-year.","Non-accrual loans fell 62.4% to $4.0M; provision credit of $714K recognized.","Loans decreased 1.6% to $693.2M; deposits flat at $634.3M.","Nine-month net income $9.8M ($0.91) down from $10.7M ($1.20) due to prior-year gains."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-116214","json":"https://secwatch.observer/filing/0000950170-24-116214.json","markdown":"https://secwatch.observer/filing/0000950170-24-116214.md","text":"https://secwatch.observer/filing/0000950170-24-116214.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1302387/000095017024116214/0000950170-24-116214-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1302387/000095017024116214/bvfl-20241021.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:30:55.553132+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"}