---
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"
generated_at: "2026-08-07T20:08:35.926487+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# NI Holdings Q2 2026: net income $146K vs $12.1M loss; combined ratio improves to 107.7%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174947-26-000778
- JSON: https://secwatch.observer/filing/0001174947-26-000778.json
- Plain text: https://secwatch.observer/filing/0001174947-26-000778.txt

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