---
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"
generated_at: "2026-06-29T19:58:44.408183+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# WNEB Q2 net income $5.65M ($0.24 EPS); NIM 3.06%; core deposits up 19%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001387131-21-008222
- JSON: https://secwatch.observer/filing/0001387131-21-008222.json
- Plain text: https://secwatch.observer/filing/0001387131-21-008222.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.