{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-004584","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2023-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.610865+00:00","generated_at":"2026-06-13T05:56:50.153381+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Chemung Financial Q2 net income $6.3M ($1.33/sh) down from $8.0M YoY; NIM 2.87%","bullets":["Net income $6.3M ($1.33 diluted EPS) vs $8.0M ($1.72) Q2 2022 and $7.3M ($1.54) Q1 2023.","Net interest income $18.6M (+5.4% YoY); provision for credit losses increased $2.0M YoY.","Non-interest expense $15.9M (+11% YoY) driven by higher salaries, FDIC insurance, and pension costs.","Non-performing loans fell to 0.39% of total loans from 0.45% at Dec 2022; total assets $2.675B.","Tangible common equity ratio improved to 5.87% from 5.51%; book value per share $37.49; dividend $0.31."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-004584","json":"https://secwatch.observer/filing/0001171843-23-004584.json","markdown":"https://secwatch.observer/filing/0001171843-23-004584.md","text":"https://secwatch.observer/filing/0001171843-23-004584.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184323004584/0001171843-23-004584-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184323004584/f8k_072023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T05:56:50.153381+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":"7078c1a612dae2158046a451403d0161679360dd","claim":"CHEMUNG FINANCIAL CORP reported the three and six month periods ended June 30, 2023 results: net income $6.3 million, EPS $1.33 per share.","evidence_excerpt":"Chemung Financial Corporation Reports Second Quarter 2023 Net Income of $6.3 million, or $1.33 per Share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/763563/000117184323004584/0001171843-23-004584-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and six month periods ended June 30, 2023"},{"label":"Net income","value":"$6.3 million"},{"label":"EPS","value":"$1.33 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"}