{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-010047","form_type":"8-K","ticker":"HNVR","cik":"0001828588","company_name":"Hanover Bancorp, Inc. /MD","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.752029+00:00","generated_at":"2026-05-31T17:05:04.957520+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Hanover Bancorp Q2 net income falls to $0.8M, EPS $0.11 from $0.55 linked quarter due to $4M provision","bullets":["Net income $0.8M, diluted EPS $0.11 vs $4.1M ($0.55) prior Q and $3.1M ($0.42) year ago.","Provision for credit losses of $4.0M, including $2.5M ACL on individually evaluated loan and $1.1M CECL model enhancement.","Net interest margin improved to 2.46% from 2.41% linked quarter, but down from 2.68% year ago.","Non-performing loans at $15.8M (0.79% of loans), reduced to $14.6M post-quarter with sale of largest NPA at no loss.","Board declared $0.10 quarterly dividend, payable Aug 14 to record Aug 7."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-010047","json":"https://secwatch.observer/filing/0001558370-24-010047.json","markdown":"https://secwatch.observer/filing/0001558370-24-010047.md","text":"https://secwatch.observer/filing/0001558370-24-010047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1828588/000155837024010047/0001558370-24-010047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1828588/000155837024010047/hnvr-20240724x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T17:05:04.957520+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"}