Western New England Bancorp, Inc. · NASDAQ:WNEB
Western New England Bancorp — Shareholder Meeting (May 2026)
20 slides from Western New England Bancorp's shareholder meeting presentation, May 14, 2026
Slide 1: 2026 Annual Shareholders' Meeting
1 2026 Annual Shareholders’ Meeting May 14, 2026 NASDAQ GS: WNEB
Slide 2: Welcome to the Western New England Bancorp 2026 Annual Shareholders' Meeting
2 NASDAQ GS: WNEB Welcome to the Western New England Bancorp 2026 Annual Shareholders’ Meeting James C. Hagan President Chief Executive Officer 2
Slide 3: Board of Directors
3 Board of Directors James C. Hagan President & Chief Executive Officer Lisa G. McMahon Chairperson of the Board Laura Benoit Director NASDAQ GS: WNEB 3 Donna J. Damon Director Gary G . Fitzgerald Director William D . Masse Director Paul C . Picknelly Director Steven G . Richter Director Philip R .
Slide 4: Introduction of Guests
4 NASDAQ GS: WNEB Gerald P. Ciejka Inspector of Elections Michael Patterson Manager, Financial Assurance Wolf & Company Independent Auditor 4 Introduction of Guests East St, Chicopee, MA
Slide 5: Senior Management Team
Senior Management Team 5 James C. Hagan President & Chief Executive Officer Guida R. Sajdak Executive Vice President, Chief Financial Officer & Treasurer Allen J. Miles, III Executive Vice President & Chief Lending Officer Kevin C. O’Connor Executive Vice President & Chief Operating Officer Leo R. S
Slide 6: Proposals
Proposals 6 NASDAQ GS: WNEB Proposal 1: Election of Directors to serve a three - year term expiring at the 2029 Annual Meeting of shareholders: • Laura J. Benoit • Donna J. Damon • Lisa G. McMahon • Steven G. Richter Proposal 2: Consideration and approval of a non - binding advisory resolution on th
Slide 7: Voting Results
Voting Results Gerald P. Ciejka Inspector of Elections NASDAQ GS: WNEB NASDAQ GS: WNEB 7
Slide 8: Financial Results for Fiscal Year 2025 and the First Quarter of 2026
Financial Results for Fiscal Year 2025 and the First Quarter of 2026 Guida R. Sajdak Executive Vice President Chief Financial Officer NASDAQ GS: WNEB NASDAQ GS: WNEB 8
Slide 9: Forward Looking Statements
Forward Looking Statements 9 NASDAQ GS: WNEB We may, from time to time, make written or oral “forward - looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 , including statements contained in our filings with the Securities and Exchange Commission (the “SEC
Slide 10: Forward Looking Statements
10 Forward Looking Statements NASDAQ GS: WNEB 10 severe weather, natural disasters, pandemics, acts of war, or terrorism and other external events which could significantly impact our business ; declines in real estate values in the Company’s market area, which may adversely affect our loan prod
Slide 11: 2025 Quarterly Earnings
11 2025 Quarterly Earnings NASDAQ GS: WNEB 11 4Q2024 (2) 1Q2025 2Q2025 (1) 3Q2025 4Q2025 ($ in thousands, except EPS) $ 15,273 $ 15,534 $ 17,642 $ 18,092 $ 18,829 Net interest income (762) 142 (615) 1,293 (485) (Reversal of) provision for credit losses 3,254 2,759 3,411 3,173 3,173 Non - interest in
Slide 12: Balance Sheet Composition
12 Balance Sheet Composition NASDAQ GS: WNEB 12 PPP Loans 1% Loans 72% Securities 17% Other Assets 6% Cash and Cash Equivalents 4% Loans and Securities (% of Total Assets) 2021 (2) (1) Data as of December 31 st; (2) Paycheck Protection Program (“PPP”) Loans 80% Securities 13% Other Assets 6% Cash an
Slide 13: Growing and Strengthening Our Balance Sheets
13 Growing and Strengthening Our Balance Sheets (1) NASDAQ GS: WNEB 13 73% 78% 79% 78% 80% 65% 75% 85% 95% Loan - to - Asset Ratio 83% 89% 95% 92% 92% 80% 90% 100% 110% 120% Loan - to - Deposit Ratio 17% 15% 14% 14% 13% 5% 15% 25% 35% 45% Securities - to - Asset Ratio 1% 2% 6% 5% 4% 0% 1% 2% 3% 4% 5
Slide 14: Strong Asset Quality Indicators
14 Strong Asset Quality Indicators NASDAQ GS: WNEB 14 (1) Data as of December 31 st (2) Excludes Paycheck Protection Program (“PPP”). (3) The Company adopted ASU 2016 - 13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning in 2023, the allowance for credit losses was d
Slide 15: 1st Quarter of 2026
15 1 st Quarter of 2026 NASDAQ GS: WNEB 15 1Q2025 4Q2025 1Q2026 $0.11 $0.26 $0.24 EPS Earnings per Share (“EPS”) 1Q2025 4Q2025 1Q2026 0.35% 0.75% 0.71% ROA Return on Average Assets (“ROA”) Return on Average Equity (“ROE”) 1Q2025 4Q2025 1Q2026 3.94% 8.40% 7.77% ROE 1Q2025 4Q2025 1Q2026 2.49% 2.89% 2.
Slide 16: Who We Are
16 Who We Are Every day, we focus on showing Westfield Bank customers “ what better banking is all about . ” For us, the idea of better banking starts with putting customers first, while adhering to our core values . Our Core Values : • Integrity • Enhance Shareholder Value • Customer Focus • Commun
Slide 17: Appendix
Appendix NASDAQ GS: WNEB NASDAQ GS: WNEB 17
Slide 18: Non-GAAP to GAAP Reconciliation
18 NON - GAAP TO GAAP RECONCILIATION NASDAQ GS: WNEB 18 The Company believes that certain non - GAAP financial measures provide information to investors that is useful in understanding its financial condition . Because not all companies use the same calculation, this presentation may not be comparab
Slide 19: Non-GAAP to GAAP Reconciliation
19 NON - GAAP TO GAAP RECONCILIATION NASDAQ GS: WNEB 19 The Company believes that certain non - GAAP financial measures provide information to investors that is useful in understanding its financial condition . Because not all companies use the same calculation, this presentation may not be comparab
Slide 20: Thank you!
20 Corporate Offices, Westfield MA NASDAQ GS: WNEB 20 Thank you! James C. Hagan President and Chief Executive Officer Guida R. Sajdak Executive Vice President and Chief Financial Officer Meghan Hibner First Vice President and Investor Relations Officer Westfield Bank “What Better Banking’s All About
Western New England Bancorp — Shareholder Meeting (May 2026) on 6ix