{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-163087","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.125928+00:00","generated_at":"2026-05-18T03:04:27.118766+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":"Norwood Financial Q2 net income $6.2M, EPS $0.67, up 29% YoY; NIM expands to 3.43%","bullets":["Q2 net income $6.2M vs $4.2M a year ago; diluted EPS $0.67 vs $0.52, a 29% increase.","Net interest margin (FTE) 3.43%, up 63 bps YoY and 13 bps linked-quarter.","Total loans $1.791B (+9.1% YoY), deposits $1.997B (+10.3% YoY).","Return on assets 1.06% vs 0.75%; efficiency ratio improved to 58.7% from 66.7%.","Tangible book value per share $21.17, up from $19.85 at Dec 31, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-163087","json":"https://secwatch.observer/filing/0001193125-25-163087.json","markdown":"https://secwatch.observer/filing/0001193125-25-163087.md","text":"https://secwatch.observer/filing/0001193125-25-163087.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312525163087/0001193125-25-163087-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312525163087/d23216d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:04:27.118766+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"}