{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-016353","form_type":"8-K","ticker":"RVRF","cik":"0001641601","company_name":"River Financial Corp","filed_at":"2026-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.725998+00:00","generated_at":"2026-05-16T09:33:21.849959+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"River Financial Q4 net income rises 34.5% YoY; tangible book value per share up 31.4%","bullets":["Net income for 2025 was $42.1M, up 34.5% from $31.3M in 2024.","Basic EPS $5.43 ($4.09 YoY), Q4 EPS $1.38 ($1.13 YoY).","Net interest margin expanded to 3.53% for 2025 from 3.01% in 2024.","Total loans grew 9.1% to $2.71B; deposits up 8.5% to $3.33B.","Credit quality remained strong: NPLs 0.44%, net charge-offs 0.13%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-016353","json":"https://secwatch.observer/filing/0001193125-26-016353.json","markdown":"https://secwatch.observer/filing/0001193125-26-016353.md","text":"https://secwatch.observer/filing/0001193125-26-016353.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1641601/000119312526016353/0001193125-26-016353-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1641601/000119312526016353/ck0001641601-20260120.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:33:21.849959+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"}