{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-000471","form_type":"8-K","ticker":"HNVR","cik":"0001828588","company_name":"Hanover Bancorp, Inc. /MD","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.122977+00:00","generated_at":"2026-05-27T07:14:51.684548+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":"Hanover Bancorp Q4 net income $3.9M, margin expands to 2.53%; declares $0.10 dividend","bullets":["Q4 net income $3.9M ($0.52 diluted EPS), up from $3.8M ($0.51) YoY; FY net income $12.3M ($1.66) vs $13.6M ($1.84).","Net interest margin rose to 2.53% from 2.40% YoY; record non-interest income of $4.2M, up 28.67% YoY.","Core deposits up 5.36% YoY; C&I loans grew 56.52% YoY; CRE concentration ratio improved to 385% of capital from 432%.","NPLs $16.4M (0.82% of loans); ACL at 1.15% of loans. Dividend $0.10/share declared, payable Feb 19.","Core system conversion to FIS Horizon expected around Feb 15; management cites strong pipelines and potential Russell 2000 inclusion."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-000471","json":"https://secwatch.observer/filing/0001558370-25-000471.json","markdown":"https://secwatch.observer/filing/0001558370-25-000471.md","text":"https://secwatch.observer/filing/0001558370-25-000471.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1828588/000155837025000471/0001558370-25-000471-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1828588/000155837025000471/hnvr-20250129x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T07:14:51.684548+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"}