{"schema_version":"secwatch.filing_event.v1","accession":"0001505732-23-000252","form_type":"8-K","ticker":"BWFG","cik":"0001505732","company_name":"Bankwell Financial Group, Inc.","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.299024+00:00","generated_at":"2026-06-09T10:26:02.649436+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Bankwell Q3 net income $9.8M ($1.25 EPS) vs $9.2M a year ago; NIM drops to 2.85%","bullets":["GAAP net income $9.8M ($1.25 diluted EPS) vs $9.2M ($1.18) in Q3 2022; net interest margin narrowed to 2.85% from 4.12% YoY.","Total gross loans grew $94.7M (3.5%) to $2.8B; deposits decreased $32.2M (1.1%) to $2.8B; brokered deposits down $75.3M.","ACL-loans release of $1.4M in Q3; ACL as % of loans was 1.06% vs 1.11% prior quarter.","Board declares $0.20 per share quarterly dividend, payable Nov 20, 2023 to holders of record Nov 10, 2023.","Company highlights $1.7B immediately available liquidity, covering >2x uninsured deposits; FDIC-insured deposits 71.2% of total."],"urls":{"canonical":"https://secwatch.observer/filing/0001505732-23-000252","json":"https://secwatch.observer/filing/0001505732-23-000252.json","markdown":"https://secwatch.observer/filing/0001505732-23-000252.md","text":"https://secwatch.observer/filing/0001505732-23-000252.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1505732/000150573223000252/0001505732-23-000252-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1505732/000150573223000252/bwfg-20231025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T10:26:02.649436+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":[{"claim_id":"56a64ac4443067dddea22f80ff0f450893c32b70","claim":"Bankwell Financial Group, Inc. reported the third quarter of 2023 results: net income $9.8 million, EPS $1.25 per share.","evidence_excerpt":"Bankwell Financial Group, Inc. (NASDAQ: BWFG) reported GAAP net income of $9.8 million, or $1.25 per share for the third quarter of 2023, versus $9.2 million, or $1.18 per share, for the same period in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1505732/000150573223000252/0001505732-23-000252-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2023"},{"label":"Net income","value":"$9.8 million"},{"label":"EPS","value":"$1.25 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"b19970f40936b43f3b7c72c484aa4f5f9c6e1ed9","claim":"Bankwell Financial Group, Inc. reported the nine months ended September 30, 2023 results: net income $28.1 million.","evidence_excerpt":"Net income for the nine months ended September 30, 2023 was $28.1 million, versus $29.4 million for the nine months ended September 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1505732/000150573223000252/0001505732-23-000252-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Net income","value":"$28.1 million"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}