WNEB Q2 net income falls 22% to $3.6M on $1.8M loan charge-off; criticized loans jump to $63.9M

Filed August 7, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 8, 2025 · ~1 min read

Key Changes

• high

  Net income declined 21.6% to $3.6M ($0.18 per diluted share) in Q2 2026 from $4.6M ($0.23) in Q2 2025.

  MD&A: Net income Q2 YoY verify on EDGAR →
• high

  Criticized loans surged to $63.9M (2.9% of total loans) from $39.7M (1.8%) at year-end 2025, driven by two commercial relationships totaling $21.5M downgraded to special mention and the participation-loan downgrade to substandard. 95.6% of criticized loans remain current and paying.

  MD&A: Criticized loans verify on EDGAR →
• high

  Net interest margin expanded 33 basis points to 2.97% (2.99% tax-equivalent) for the six months ended June 30, 2026, from 2.64% in the prior-year period, as time-deposit costs fell 50bp to 3.40% and loan yields rose 14bp to 5.11%.

  MD&A: Net interest margin verify on EDGAR →