{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-007960","form_type":"8-K","ticker":"HNVR","cik":"0001828588","company_name":"Hanover Bancorp, Inc. /MD","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.402696+00:00","generated_at":"2026-05-16T06:32:02.855059+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Hanover Bancorp Q4 net income sinks to $33K; pre-provision net revenue hits highest since 2022","bullets":["Net income $33K (after $6.1M provision) vs $3.9M YoY; full-year net income $7.5M vs $12.3M.","Pre-provision net revenue (non-GAAP) $6.2M, highest since Q4 2022; NIM expanded to 2.84% from 2.53%.","Net interest income $15.8M, up 14.64% YoY; total deposits $2.03B, up 3.79% YoY.","Board declared $0.10 quarterly cash dividend payable Feb 26, 2026 to holders of record Feb 12, 2026.","NPLs removed $9.6M via strategic credit cleanup; allowance for credit losses 0.93% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-007960","json":"https://secwatch.observer/filing/0001104659-26-007960.json","markdown":"https://secwatch.observer/filing/0001104659-26-007960.md","text":"https://secwatch.observer/filing/0001104659-26-007960.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1828588/000110465926007960/0001104659-26-007960-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1828588/000110465926007960/hnvr-20260129x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:32:02.855059+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"}