{"schema_version":"secwatch.filing_event.v1","accession":"0001046025-22-000007","form_type":"8-K","ticker":"HFWA","cik":"0001046025","company_name":"HERITAGE FINANCIAL CORP /WA/","filed_at":"2022-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:05.247292+00:00","generated_at":"2026-06-27T14:38:27.436072+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Heritage Financial Q4 net income $19.4M ($0.55 EPS); declares $0.21 dividend","bullets":["Net income $19.4M ($0.55 diluted EPS) in Q4 2021 vs $23.9M ($0.66) in Q4 2020; FY2021 net income $98.0M ($2.73) vs $46.6M ($1.29) in 2020.","Reversal of provision for credit losses of $5.0M in Q4 vs $3.1M in Q3 2021 and Q4 2020; NPAs/Total assets improved to 0.32% from 0.88%.","New commercial loan commitments $329.2M in Q4, up from $270.8M in Q3 and $164.5M in Q4 2020.","Declared regular quarterly cash dividend of $0.21/share, payable Feb 23 to holders of record Feb 9.","Net interest margin declined to 2.85% from 3.15% (Q3 2021) and 3.53% (Q4 2020); efficiency ratio rose to 66.61% from 60.50%."],"urls":{"canonical":"https://secwatch.observer/filing/0001046025-22-000007","json":"https://secwatch.observer/filing/0001046025-22-000007.json","markdown":"https://secwatch.observer/filing/0001046025-22-000007.md","text":"https://secwatch.observer/filing/0001046025-22-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1046025/000104602522000007/0001046025-22-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1046025/000104602522000007/hfwa-20220127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T14:38:27.436072+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"}