{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-103920","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2024-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.875437+00:00","generated_at":"2026-06-03T13:22:57.553857+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 Q1 net income falls 23% to $4.4M; EPS $0.55 vs $0.71","bullets":["Net income of $4.4M, down 23% YoY; diluted EPS $0.55 vs $0.71.","Net interest income (fte) fell to $14.9M from $16.3M; spread narrowed to 2.07% from 2.83%.","Total assets grew to $2.260B; loans annualized growth 4.5%, deposits 9.8%.","Provision for credit losses decreased $924,000 on lower NPLs and charge-offs.","CEO cites pressure on net interest income from rising deposit costs; capital remains well-capitalized."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-103920","json":"https://secwatch.observer/filing/0001193125-24-103920.json","markdown":"https://secwatch.observer/filing/0001193125-24-103920.md","text":"https://secwatch.observer/filing/0001193125-24-103920.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524103920/0001193125-24-103920-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524103920/d811572d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T13:22:57.553857+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":"27d429655d5cb0d0d9b47dadc18ca092a811032c","claim":"NORWOOD FINANCIAL CORP reported three months ended March 31, 2024 results: net income $4,433,000, EPS $0.55.","evidence_excerpt":"Norwood Financial Corp (the “Company”) issued a press release announcing its earnings for the quarter ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524103920/0001193125-24-103920-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2024"},{"label":"Net income","value":"$4,433,000"},{"label":"EPS","value":"$0.55"},{"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"}