{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-185504","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2024-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.876859+00:00","generated_at":"2026-05-31T15:54:09.221160+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Norwood Financial Q2 EPS $0.52 vs $0.81 YoY; net interest margin down to 2.79%","bullets":["Net income $4.213M for Q2 2024, down $2.290M from Q2 2023 due to higher provision for credit losses (+$2.097M).","Net interest margin (fte) fell to 2.79% from 3.09% a year ago; cost of interest-bearing liabilities rose 108 bps.","Loan growth annualized 4.9% linked quarter; total deposits declined $28M driven by seasonal municipal outflow of $53M.","Other expenses increased $506K to $11.444M; core operating expenses held at 2% of average assets.","Six-month EPS $1.07 vs $1.51; annualized ROA 0.78%, ROATCE 11.46%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-185504","json":"https://secwatch.observer/filing/0001193125-24-185504.json","markdown":"https://secwatch.observer/filing/0001193125-24-185504.md","text":"https://secwatch.observer/filing/0001193125-24-185504.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524185504/0001193125-24-185504-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524185504/d871470d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:54:09.221160+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"}