{"schema_version":"secwatch.filing_event.v1","accession":"0001999371-24-013776","form_type":"8-K","ticker":"WNEB","cik":"0001157647","company_name":"Western New England Bancorp, Inc.","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.803402+00:00","generated_at":"2026-05-30T10:58:20.406950+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"WNEB Q3 net income drops 58% YoY to $1.9M; EPS $0.09 vs $0.21","bullets":["Net income of $1.9M ($0.09 diluted EPS) vs $4.5M ($0.21) in Q3 2023, down 58%.","Net interest margin shrank to 2.40% from 2.70% a year ago; deposit cost rose to 2.04%.","Total loans increased $21.7M YTD to $2.0B; residential real estate grew $26.4M.","Non-interest income fell to $3.1M from $3.6M YoY; gain on equity investments lower.","BTFP fully repaid; liquidity at $1.1B instantly available, covering 183% of uninsured deposits."],"urls":{"canonical":"https://secwatch.observer/filing/0001999371-24-013776","json":"https://secwatch.observer/filing/0001999371-24-013776.json","markdown":"https://secwatch.observer/filing/0001999371-24-013776.md","text":"https://secwatch.observer/filing/0001999371-24-013776.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1157647/000199937124013776/0001999371-24-013776-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1157647/000199937124013776/wneb-8k_102324.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:58:20.406950+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"}