{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-26-000778","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2026-08-07T20:07:23+00:00","discovered_at":"2026-08-07T20:08:00.347361+00:00","generated_at":"2026-08-07T20:08:35.926487+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NI Holdings Q2 2026: net income $146K vs $12.1M loss; combined ratio improves to 107.7%","bullets":["Q2 net income $146K ($0.01 basic EPS) vs $(12.1M) loss ($(0.57) EPS) in Q2 2025.","Gross premiums written $107.2M, down 4.1% YoY; Non-Standard Auto down 98.9% on strategic exit.","Combined ratio 107.7% vs 125.1% YoY; pre-tax catastrophe loss $15.0M vs $20.0M prior year.","All Other premiums +46.7% on assumed farm bureau reinsurance; Crop +8.8%; net investment income $2.8M (-10.7%).","H1 2026 net income $12.7M ($0.61 EPS) vs $(5.6M) loss; CEO cites favorable reserve development."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-26-000778","json":"https://secwatch.observer/filing/0001174947-26-000778.json","markdown":"https://secwatch.observer/filing/0001174947-26-000778.md","text":"https://secwatch.observer/filing/0001174947-26-000778.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494726000778/0001174947-26-000778-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494726000778/form8k-36157_nodk.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-07T20:08:35.926487+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"}