{"schema_version":"secwatch.filing_event.v1","accession":"0001387131-21-008222","form_type":"8-K","ticker":"WNEB","cik":"0001157647","company_name":"Western New England Bancorp, Inc.","filed_at":"2021-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:04:17.318715+00:00","generated_at":"2026-06-29T19:58:44.408183+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"WNEB Q2 net income $5.65M ($0.24 EPS); NIM 3.06%; core deposits up 19%","bullets":["Net income of $5.65M, diluted EPS $0.24; net interest income $17.8M, up 18% YoY; NIM 3.06% on a tax-equivalent basis.","Credit provision of negative $1.2M (benefit); non-performing loans fell to $6.0M (0.34% of total loans).","Completed $20M subordinated debt offering; prepaid $32.5M in FHLB borrowings with 2.03% avg rate, minimal loss.","Core deposits grew to $1.73B (+19.3% from YE 2020); loan-to-deposit ratio improved to 86%.","CARES Act modifications reduced to $57M (3.2% of loans); Connecticut expansion with new branches in West Hartford, Bloomfield, Granby."],"urls":{"canonical":"https://secwatch.observer/filing/0001387131-21-008222","json":"https://secwatch.observer/filing/0001387131-21-008222.json","markdown":"https://secwatch.observer/filing/0001387131-21-008222.md","text":"https://secwatch.observer/filing/0001387131-21-008222.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1157647/000138713121008222/0001387131-21-008222-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1157647/000138713121008222/wneb-8k_080621.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-29T19:58:44.408183+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"}