{"schema_version":"secwatch.filing_event.v1","accession":"0001505732-25-000158","form_type":"8-K","ticker":"BWFG","cik":"0001505732","company_name":"Bankwell Financial Group, Inc.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.580296+00:00","generated_at":"2026-05-17T02:29:37.279798+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Bankwell Q3 GAAP EPS $1.27 beats Q2 $1.15; NIM expands to 3.34%, NPAs drop to 0.56%","bullets":["GAAP net income $10.1M ($1.27 diluted EPS) vs Q2 $9.1M ($1.15). PPNR $13.9M, up 21.5% QoQ.","Net interest margin 3.34% (+24 bps QoQ); loan yields 6.71%, deposit costs 3.30% (-10 bps).","Nonperforming assets ratio improved to 0.56% from 0.78%; ACL-to-NPL ratio 176.7% vs 122.5%.","Efficiency ratio improved to 51.4% from 56.1%; SBA gains $1.4M (avg premium 10%).","Board declared $0.20/share dividend payable Nov 21, 2025 to holders of record Nov 10."],"urls":{"canonical":"https://secwatch.observer/filing/0001505732-25-000158","json":"https://secwatch.observer/filing/0001505732-25-000158.json","markdown":"https://secwatch.observer/filing/0001505732-25-000158.md","text":"https://secwatch.observer/filing/0001505732-25-000158.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1505732/000150573225000158/0001505732-25-000158-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1505732/000150573225000158/bwfg-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:29:37.279798+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"}