{"schema_version":"secwatch.filing_event.v1","accession":"0000801337-25-000002","form_type":"8-K","ticker":"WBS","cik":"0000801337","company_name":"WEBSTER FINANCIAL CORP","filed_at":"2025-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.382055+00:00","generated_at":"2026-05-27T23:36:25.627726+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Webster Q4 GAAP EPS $1.01 vs $1.05 YoY; adjusted EPS $1.43; loan growth 1.1% QoQ; NPLs rise to 0.88%","bullets":["GAAP net income $173.6M ($1.01 diluted EPS) includes $56.9M securities loss and $29.4M DTA adjustment; adjusted EPS $1.43 vs $1.46 YoY.","Total revenue $661.0M; net interest income $608.5M (+6.6% YoY) with NIM of 3.39%.","Loans and leases $52.5B, up $0.6B QoQ; deposits $64.8B, up $0.2B QoQ; loan-to-deposit ratio 81.1%.","Provision for credit losses $63.5M; net charge-offs $60.9M (0.47% of avg loans) vs $34.0M (0.27%) a year ago.","Nonperforming loans $461.3M (0.88% of loans) vs $209.5M (0.41%) at Dec 2023; allowance coverage 149% of NPLs."],"urls":{"canonical":"https://secwatch.observer/filing/0000801337-25-000002","json":"https://secwatch.observer/filing/0000801337-25-000002.json","markdown":"https://secwatch.observer/filing/0000801337-25-000002.md","text":"https://secwatch.observer/filing/0000801337-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/801337/000080133725000002/0000801337-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/801337/000080133725000002/wbs-20250117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T23:36:25.627726+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"}