{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-005190","form_type":"8-K","ticker":"HNVR","cik":"0001828588","company_name":"Hanover Bancorp, Inc. /MD","filed_at":"2025-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.982428+00:00","generated_at":"2026-05-23T08:21:34.367530+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Hanover Bancorp Q1 2025 adj. EPS $0.55 vs $0.55 YoY; NIM expands to 2.68%","bullets":["Net income $1.5M ($0.20 diluted); adjusted net income $4.1M ($0.55 diluted) excluding $2.6M core system conversion costs.","Net interest income $14.6M, +13.1% YoY; net interest margin 2.68% vs 2.41% a year ago.","Non-performing loans fell 28.5% to $11.7M (0.60% of total loans); allowance for credit losses 1.17%.","Quarterly dividend $0.10 per share declared, payable May 14, 2025 to holders of record May 7.","Completed core system conversion to FIS Horizon in Feb 2025; CRE concentration ratio improved to 369% of capital."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-005190","json":"https://secwatch.observer/filing/0001558370-25-005190.json","markdown":"https://secwatch.observer/filing/0001558370-25-005190.md","text":"https://secwatch.observer/filing/0001558370-25-005190.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1828588/000155837025005190/0001558370-25-005190-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1828588/000155837025005190/hnvr-20250423x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T08:21:34.367530+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"}