---
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"
generated_at: "2026-05-16T06:32:02.855059+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Hanover Bancorp Q4 net income sinks to $33K; pre-provision net revenue hits highest since 2022

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-007960
- JSON: https://secwatch.observer/filing/0001104659-26-007960.json
- Plain text: https://secwatch.observer/filing/0001104659-26-007960.txt

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