{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-002439","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2023-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.178386+00:00","generated_at":"2026-06-16T23:04:11.036412+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Chemung Financial Q1 net income $7.3M ($1.54/sh), up from $6.9M; loans grow 2.4%","bullets":["Net income $7.3M ($1.54/sh) vs $6.9M ($1.46/sh) in Q1 2022; third-highest quarterly earnings ever.","Net interest income $19.9M, up 19.6% YoY, driven by loan growth and rising rates.","Non-performing loans declined to 0.41% of loans; tangible book value per share rose $2.22 to $32.91.","Loans grew $44.3M (2.4%) from Dec 31, 2022; total assets $2.654B.","Uninsured deposits 21.2% of total; unused FHLBNY borrowing capacity $111M; no BTFP utilization."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-002439","json":"https://secwatch.observer/filing/0001171843-23-002439.json","markdown":"https://secwatch.observer/filing/0001171843-23-002439.md","text":"https://secwatch.observer/filing/0001171843-23-002439.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184323002439/0001171843-23-002439-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184323002439/f8k_042023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T23:04:11.036412+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":[{"claim_id":"fec708d47325ce829c40732f95c06051ed970bc6","claim":"CHEMUNG FINANCIAL CORP reported the three month period ended March 31, 2023 results: revenue $19.9 million, net income $7.3 million, EPS $1.54 per share.","evidence_excerpt":"31, 2022. Please refer to GAAP to Non-GAAP Reconciliations 1st Quarter 2023 vs 1st Quarter 2022 Net Interest Income: Net interest income for the first quarter of 2023 totaled $19.9 million compared to $16.7 million for the same period in the prior year, an increase of $3.3 million, or 19.6%, due primarily to increases of $7.8 million in interest income on loans,","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/763563/000117184323002439/0001171843-23-002439-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three month period ended March 31, 2023"},{"label":"Revenue","value":"$19.9 million"},{"label":"Net income","value":"$7.3 million"},{"label":"EPS","value":"$1.54 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}