{"schema_version":"secwatch.filing_event.v1","accession":"0001013272-26-000012","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2026-07-22T12:12:53+00:00","discovered_at":"2026-07-22T12:15:00.488709+00:00","generated_at":"2026-07-22T12:15:06.133323+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Norwood Financial reports record Q2 net income of $9.3M; NIM expands to 3.90%","bullets":["Record net income $9.3M, diluted EPS $0.86 vs $0.67 prior year; record net interest income $26.8M.","Net interest margin (FTE) 3.90%, up 47 bps YoY and 22 bps linked quarter; total assets $2.908B.","Tangible book value per share $22.96, surpassing pre-acquisition value; completed Presence Bancshares integration.","Net charge-offs $1.4M including $729K from a $22M borrower relationship in Chapter 11 bankruptcy.","Nonperforming loans to total loans 1.23%; allowance for credit losses 1.13%."],"urls":{"canonical":"https://secwatch.observer/filing/0001013272-26-000012","json":"https://secwatch.observer/filing/0001013272-26-000012.json","markdown":"https://secwatch.observer/filing/0001013272-26-000012.md","text":"https://secwatch.observer/filing/0001013272-26-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000101327226000012/0001013272-26-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000101327226000012/nwfl-20260722x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T12:15:06.133323+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"}