{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-26-007744","form_type":"8-K","ticker":"CBK","cik":"0001981546","company_name":"Commercial Bancgroup, Inc.","filed_at":"2026-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.927487+00:00","generated_at":"2026-05-16T08:07:35.215499+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Commercial Bancgroup Q4 2025 net income $9.9M ($0.72 EPS), up 77% YoY; full year net income $36.9M","bullets":["Q4 net income $9.9M ($0.72 diluted EPS) vs $5.6M ($0.46) in Q4 2024, driven by loan growth and IPO.","FY 2025 net income $36.9M ($2.92 diluted EPS) vs $31.4M ($2.54) in FY 2024; total operating revenue $90.4M.","Gross loans increased $106.3M in Q4; net loans $1.9B, up 6.1% from Q3 2025.","Net interest margin 4.01%; efficiency ratio 45.24% for Q4, 47.0% for FY.","Tangible book value per share $19.96, up from $17.11 a year ago; redeemed $20.3M holding company debt."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-26-007744","json":"https://secwatch.observer/filing/0001213900-26-007744.json","markdown":"https://secwatch.observer/filing/0001213900-26-007744.md","text":"https://secwatch.observer/filing/0001213900-26-007744.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1981546/000121390026007744/0001213900-26-007744-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1981546/000121390026007744/ea0274038-8k_commercial.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:07:35.215499+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"}