{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-244750","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2024-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.364698+00:00","generated_at":"2026-05-30T09:34:02.996361+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Norwood Financial Q3 EPS $0.48; NIM up to 2.99%; loans grow 8% annualized","bullets":["Net income $3.8M vs $4.0M in Q3 2023; diluted EPS $0.48 vs $0.51.","Net interest margin (fte) 2.99%, up 19 bps from prior quarter and 7 bps YoY.","Loans grew 8% annualized in Q3 to $1.675B; total assets $2.280B.","Capital improvement: negative mark-to-market effect on securities down 42% vs last year.","Credit quality metrics remain strong; provision for credit losses increased due to loan growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-244750","json":"https://secwatch.observer/filing/0001193125-24-244750.json","markdown":"https://secwatch.observer/filing/0001193125-24-244750.md","text":"https://secwatch.observer/filing/0001193125-24-244750.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524244750/0001193125-24-244750-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524244750/d887960d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T09:34:02.996361+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"}