Western New England Bancorp (WNEB) investor relations material

Executive summary

• Net income for Q4 2025 was $5.2 million ($0.26/diluted share), up from $3.3 million ($0.16/diluted share) in Q4 2024 and $3.2 million ($0.16/diluted share) in Q3 2025.

• Full-year 2025 net income was $15.3 million ($0.75/diluted share), up from $11.7 million ($0.56/diluted share) in 2024.

• Net interest income rose 4.1% sequentially to $18.8 million, and net interest margin increased to 2.89%.

• Asset quality improved, with delinquent loans at 0.14% of total loans and allowance for credit losses at 0.93%.

• Quarterly cash dividend of $0.07/share declared and paid throughout 2025.

Financial highlights

• Net interest income for Q4 2025 was $18.8 million, up 23.3% year-over-year and 4.1% sequentially.

• Net interest margin for Q4 2025 was 2.89% (2.91% tax-equivalent), up from 2.41% (2.43%) in Q4 2024.

• Non-interest income for Q4 2025 was $3.2 million; non-interest expense was $15.9 million.

• Return on average assets (ROA) was 0.75%, and return on average equity (ROE) was 8.40% for Q4 2025.

• Efficiency ratio improved to 72.1% in Q4 2025 from 80.6% in Q4 2024.

Outlook and guidance

• Management remains attentive to economic and regulatory risks, with a focus on maintaining strong asset quality and capital levels.

• Management remains focused on disciplined capital management, continued loan growth, share repurchases, and quarterly dividends.

• Ongoing monitoring of macroeconomic variables, including interest rates, inflation, and economic outlook.