{"schema_version":"secwatch.filing_event.v1","accession":"0001387131-23-006337","form_type":"8-K","ticker":"WNEB","cik":"0001157647","company_name":"Western New England Bancorp, Inc.","filed_at":"2023-05-11T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.071904+00:00","generated_at":"2026-06-15T03:36:30.724443+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"WNEB Q1 2023 EPS $0.24, ROAA 0.84%; NIM 3.14% vs 3.47% in Q4 2022","bullets":["Q1 2023 EPS $0.24 (vs $0.42 in Q4 2022; same as Q1 2022); ROAA 0.84% (vs 1.40% in Q4 2022).","Net interest margin 3.14% (3.16% tax-equiv); down from 3.44% (3.47% tax-equiv) in Q4 2022.","Total loans $2.006B at Mar 31, 2023; total deposits $2.157B; loan/deposit ratio 93%.","Nonperforming loans/total loans 0.29%; allowance for loan losses to NPLs 350% (Dec 2022).","Core deposits 79% of total deposits; uninsured deposits 29% of total."],"urls":{"canonical":"https://secwatch.observer/filing/0001387131-23-006337","json":"https://secwatch.observer/filing/0001387131-23-006337.json","markdown":"https://secwatch.observer/filing/0001387131-23-006337.md","text":"https://secwatch.observer/filing/0001387131-23-006337.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1157647/000138713123006337/0001387131-23-006337-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1157647/000138713123006337/wneb-8k_051123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T03:36:30.724443+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"}