{"schema_version":"secwatch.filing_event.v1","accession":"0001471265-22-000003","form_type":"8-K","ticker":"NWBI","cik":"0001471265","company_name":"Northwest Bancshares, Inc.","filed_at":"2022-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:04:06.585393+00:00","generated_at":"2026-06-27T16:12:59.447313+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Northwest Bancshares Q4 net income falls 14.3% to $30.1M; declares $0.20 dividend","bullets":["Net income Q4 2021: $30.1M ($0.24/sh), down from $35.1M ($0.28/sh) Q4 2020.","Quarterly cash dividend of $0.20/sh declared, payable Feb 14, 2022, record Feb 3, 2022.","Branch optimization: consolidating 12% of branches in Apr 2022; $2.8M severance in Q4, $3.5M expected Q1 2022, annual savings ~$8M starting Q2 2022.","Net interest margin decreased to 2.89% from 3.26%; provision for credit losses net credit of $1.9M.","Classified loans decreased $126.2M (25.8%) to $363.2M; non-performing assets trended downward."],"urls":{"canonical":"https://secwatch.observer/filing/0001471265-22-000003","json":"https://secwatch.observer/filing/0001471265-22-000003.json","markdown":"https://secwatch.observer/filing/0001471265-22-000003.md","text":"https://secwatch.observer/filing/0001471265-22-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1471265/000147126522000003/0001471265-22-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1471265/000147126522000003/nwbi-20220124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T16:12:59.447313+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"}