{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-243279","form_type":"8-K","ticker":"RVRF","cik":"0001641601","company_name":"River Financial Corp","filed_at":"2025-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.024919+00:00","generated_at":"2026-05-17T03:14:24.262723+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"River Financial Q3 net income up 23.3%; YTD EPS $4.03 (+39.9%); tangible book value +20.2%","bullets":["Q3 2025 net income $10.7M, up 23.3% from $8.7M a year ago; basic EPS $1.38 vs $1.13.","YTD net income $31.2M, +41.2%; YTD basic EPS $4.03 (+39.9%).","Net interest margin expanded to 3.45% in Q3 vs 2.88% prior year; YTD NIM 3.37% vs 2.79%.","Total assets grew 10% to $3.84B; deposits +10.3% to $3.35B; loans +8.9% to $2.64B.","Nonperforming loans ratio improved to 0.29% from 0.47%; insider trading policy window expanded (Item 8.01)."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-243279","json":"https://secwatch.observer/filing/0001193125-25-243279.json","markdown":"https://secwatch.observer/filing/0001193125-25-243279.md","text":"https://secwatch.observer/filing/0001193125-25-243279.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1641601/000119312525243279/0001193125-25-243279-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1641601/000119312525243279/ck0001641601-20251015.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:14:24.262723+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"}