{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-004834","form_type":"8-K","ticker":"CHMG","cik":"0000763563","company_name":"CHEMUNG FINANCIAL CORP","filed_at":"2026-07-22T20:10:16+00:00","discovered_at":"2026-07-22T20:11:00.322206+00:00","generated_at":"2026-07-22T20:11:19.159047+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Chemung Financial Q2 net income $8.8M vs loss $6.5M YoY; NIM expands 62 bps","bullets":["Net income of $8.8M ($1.82/diluted share) vs net loss of $6.5M ($1.35/share) in Q2 2025.","Net interest income rose 18.8% to $24.7M; net interest margin expanded 62 bps to 3.67%.","Annualized commercial loan growth 13.0% YTD; customer deposit growth 8.3% YTD.","Non-performing loans $9.2M (0.39% of loans) vs $7.9M (0.35%) at Dec 31, 2025.","Dividend declared $0.34 per share in Q2 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-004834","json":"https://secwatch.observer/filing/0001171843-26-004834.json","markdown":"https://secwatch.observer/filing/0001171843-26-004834.md","text":"https://secwatch.observer/filing/0001171843-26-004834.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763563/000117184326004834/0001171843-26-004834-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763563/000117184326004834/f8k_072226.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:11:19.159047+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"}