{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-194174","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2023-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.865593+00:00","generated_at":"2026-06-13T02:06:21.833936+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Norwood Financial Q2 EPS falls to $0.81; net interest margin shrinks to 3.09%","bullets":["Net income $6.503M ($0.81 diluted EPS) vs $6.855M ($0.84) in Q2 2022, down $352K.","Net interest margin (fte) 3.09% vs 3.49% YoY; cost of interest-bearing liabilities up 167 bps to 2.01%.","Provision for credit losses decreased $2.05M from prior year, benefiting from CECL methodology.","Other income fell $706K to $1.783M, including a $212K loss on sale of investment securities.","Loan growth 10.9% annualized in Q2; total deposits decreased $27.2M, primarily municipal accounts."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-194174","json":"https://secwatch.observer/filing/0001193125-23-194174.json","markdown":"https://secwatch.observer/filing/0001193125-23-194174.md","text":"https://secwatch.observer/filing/0001193125-23-194174.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523194174/0001193125-23-194174-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523194174/d537505d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T02:06:21.833936+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":"35d360a9a03431b9071f7e198616a6967005de94","claim":"NORWOOD FINANCIAL CORP reported the six months ended June 30, 2023 results: net income $12,285,000, EPS $1.51.","evidence_excerpt":"Net income for the six months ended June 30, 2023, was $12,285,000, which is $1,698,000 lower than the same six-month period of 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523194174/0001193125-23-194174-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended June 30, 2023"},{"label":"Net income","value":"$12,285,000"},{"label":"EPS","value":"$1.51"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"48586a3fb317055a9006c146cd8c194a04b3bd41","claim":"NORWOOD FINANCIAL CORP reported the quarter ended June 30, 2023 results: net income $6,503,000, EPS $0.81.","evidence_excerpt":"On July 26, 2023, Norwood Financial Corp (the “Company”) issued a press release announcing its earnings for the quarter ended June 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523194174/0001193125-23-194174-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$6,503,000"},{"label":"EPS","value":"$0.81"},{"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"}