WESTERN NEW ENGLAND BANCORP, INC. 8-K EXHIBIT 99.1 For further information contact: James C. Hagan, President and CEO Guida R. Sajdak, Executive Vice President and CFO Meghan Hibner, First Vice President and Investor Relations Officer 413-568-1911 WESTERN NEW ENGLAND BANCORP, INC. REPORTS RESULTS FOR THREE MONTHS ENDED MARCH 31, 2024 AND DECLARES QUARTERLY CASH DIVIDEND Westfield, Massachusetts, April 23, 2024: Western New England Bancorp, Inc. (the "Company" or "WNEB") (NasdaqGS: WNEB), the holding company ...

Branch and ATM Operations - As of December 31, 2023, Westfield Bank had 25 branches and 10 freestanding ATMs, serving Hampden and Hampshire Counties in Massachusetts and Hartford and Tolland Counties in Connecticut[18]. - As of December 31, 2023, Westfield Bank operates 25 branches and 10 freestanding ATMs, serving Hampden and Hampshire Counties in Massachusetts and Hartford and Tolland Counties in Connecticut[18]. Employee Demographics and Development - As of December 31, 2023, the total number of employees was 348, with an average employee tenure of 7.9 years[32]. - Approximately 64% of employees were women and 24% were ethnic minorities, veterans, or persons with disabilities as of December 31, 2023[29]. - In 2023, 27 employees successfully completed the Corporate Leadership Development Program aimed at enhancing leadership capabilities[34]. - The Company is committed to fostering a culture of diversity, equity, and inclusion, with initiatives such as the establishment of the Diversity Committee in 2023[30]. - By December 31, 2023, approximately 64% of the company's employees were women, and 24% were ethnic minorities, veterans, or persons with disabilities, reflecting its commitment to diversity[29]. - In 2023, the company established the Westfield Bank Culture and Diversity Committee to promote inclusivity and connection among employees[30]. Financial Performance and Loan Portfolio - Interest income on loans represented 90.2% of total interest income in 2023, up from 89.9% in 2022[39]. - The Bank's loan portfolio totaled $2.0 billion, accounting for 79.1% of total assets as of December 31, 2023, compared to 78.0% in 2022[39]. - Commercial real estate loans amounted to $1.1 billion, or 53.3% of total loans, as of December 31, 2023, down from 53.8% in 2022[45]. - The total commercial and industrial loan portfolio was $217.4 million, or 10.7% of total loans, as of December 31, 2023, compared to 11.0% in 2022[48]. - Home equity loans totaled $109.8 million, or 5.4% of total loans, as of December 31, 2023, slightly up from 5.3% in 2022[55]. - The residential real estate loan portfolio was $612.3 million, or 30.3% of total loans, as of December 31, 2023, compared to 29.6% in 2022[52]. - PPP loans decreased to $756,000 as of December 31, 2023, down from $2.3 million in 2022[49]. - The largest lending exposure was a $24.9 million commercial lending relationship, with $9.9 million outstanding as of December 31, 2023[44]. - The allowance for credit losses was $20.3 million as of December 31, 2023, compared to $19.9 million in 2022[58]. - Total gross loans increased to $2.024 billion as of December 31, 2023, from $1.989 billion in 2022[58]. - As of December 31, 2023, total loans amounted to $2,024,824,000, with net loans at $2,007,050,000 after accounting for deferred loan origination fees and credit losses[60]. - Criticized loans totaled $39.5 million, or 1.9% of total loans, down from $64.0 million, or 3.2% at the end of 2022[73]. - Classified loans were $33.7 million, or 1.7% of total loans, compared to $42.3 million, or 2.1% at the end of 2022[73]. - Nonaccrual loans stood at $6.4 million, or 0.32% of total loans, an increase from $5.7 million, or 0.29% at the end of 2022[76]. - The allowance for credit losses was $20,267,000, representing 1.00% of total loans outstanding, consistent with the previous year[79]. - Total impaired loans were $29.7 million, or 1.5% of total loans, as of December 31, 2023[74]. - The company reported net charge-offs of $2,039,000 for the year, with total loan charge-offs to daily average loans outstanding at 0.10%[79]. - The company recorded a provision for credit losses of $872,000 for the year ended December 31, 2023, primarily due to changes in the economic environment, with off-balance sheet unfunded commitment exposures decreasing by $46.8 million[95]. - The total allowance for credit losses allocated by loan category as of December 31, 2023, included $1,079,751 for commercial real estate loans, $612,315 for residential one-to-four family loans, and $217,447 for commercial and industrial loans[97]. - The Company has implemented a discounted cash flow method to estimate expected credit losses, utilizing a forward-looking macroeconomic forecast[89]. - The Company believes it is appropriately provisioned for the current economic environment as of December 31, 2023[95]. Securities and Deposits - As of December 31, 2023, the Company held $137.1 million in available-for-sale (AFS) securities and $223.4 million in held-to-maturity (HTM) securities[108]. - The Company reported unrealized losses on the AFS securities portfolio of $29.2 million, or 17.5% of the amortized cost basis, compared to $32.2 million, or 18.0% at December 31, 2022[109]. - The Company reported unrealized losses on the HTM securities portfolio of $35.7 million, or 16.0% of the amortized cost basis, compared to $39.2 million, or 17.0% at December 31, 2022[109]. - At December 31, 2023, uninsured deposits were 27% of total deposits, down from 31% at December 31, 2022[112]. - Core deposits represented 71.5% of total deposits at December 31, 2023, compared to 81.5% at December 31, 2022[113]. - The Company had $1.7 million in brokered deposits on the balance sheet at December 31, 2023, with no brokered deposits reported at December 31, 2022[111]. - Time deposits with remaining terms to maturity of less than one year amounted to $596.3 million at December 31, 2023[113]. - The Company participates in the IntraFi Network, providing depositors with FDIC pass-through insurance, with $28.7 million in CDARS deposits reported at December 31, 2023[115]. - Total deposits decreased to $2,169,459 thousand in 2023 from $2,264,252 thousand in 2022, reflecting a decline of 4.2%[116]. - Core deposits accounted for 75.8% of total deposits in 2023, down from 84.0% in 2022, indicating a shift in deposit composition[116]. - Time deposits increased significantly to $524,827 thousand in 2023, up from $363,258 thousand in 2022, representing a growth of 44.5%[116]. - The weighted average rate for total deposits rose to 1.23% in 2023 from 0.24% in 2022, marking a substantial increase[116]. Borrowings and Capital - Long-term borrowings surged to $120.6 million in 2023, up from $1.2 million in 2022, reflecting a 10,050% increase to replace deposit attrition[127]. - Total borrowings increased by $94.1 million, or 221.6%, from $42.6 million in 2022 to $136.7 million in 2023[127]. - The Company had immediate availability at the FHLB to borrow an additional $535.6 million based on qualified collateral as of December 31, 2023[128]. - The weighted average rate for short-term borrowings increased to 5.47% in 2023 from 4.37% in 2022[128]. - Total core deposits decreased to $449,522 thousand in 2023 from $590,224 thousand in 2022, a decline of 23.8%[118]. - The Company participated in the Bank Term Funding Program (BTFP) during 2023, allowing it to pay off higher rate FHLB advances[126]. Regulatory Compliance and Capital Requirements - Western New England Bancorp is a Massachusetts-chartered stock holding company and is subject to supervision by the Federal Reserve Board[139]. - The Bank's deposits are insured by the FDIC up to applicable limits, ensuring depositor protection[140]. - The minimum capital ratios under the Capital Rules require a Common Equity Tier 1 (CET1) ratio of at least 4.5% to risk-weighted assets[151]. - As of December 31, 2023, both the Company and the Bank are in compliance with the targeted capital ratios under the Capital Rules[156]. - The Capital Rules mandate a capital conservation buffer of 2.5% of CET1, resulting in minimum ratios of 7% CET1 to risk-weighted assets[151]. - The Company and the Bank evaluated the simplified Capital Rules and decided not to opt into the community bank leverage ratio framework[157]. - The Company is subject to extensive regulation under federal and state laws, which could materially affect its results[138]. - The OCC requires prior approval for capital distributions exceeding the Bank's net income for the year-to-date plus retained net income for the previous two years[146]. - The HOLA restricts business activities of savings and loan holding companies to those permitted for financial holding companies[142]. - The Company must act as a source of financial strength to its subsidiary savings associations, as mandated by the Dodd-Frank Act[145]. - As of December 31, 2023, the Bank was classified as "well-capitalized" under the PCA framework, meeting all required capital ratios[159]. - The Bank complied with the limitations on loans to one borrower, which is capped at 15% of unimpaired capital and surplus, with an additional 10% allowed if secured by readily marketable collateral[161]. - The Bank met the Qualified Thrift Lender test, maintaining at least 65% of its portfolio assets in qualified thrift investments over the past twelve months[166]. - The Bank received an "Outstanding" rating on its most recent Community Reinvestment Act examination, indicating strong performance in meeting credit needs[167]. - The Bank is subject to federal laws for consumer protection, including the Dodd-Frank Act, which centralizes responsibility for consumer financial protection[168]. - The Bank is a member of the Federal Home Loan Bank System and was in compliance with the requirement to hold shares of capital stock in the FHLB as of December 31, 2023[177]. - The FDIC's deposit insurance limit is $250,000 per depositor, per insured bank, ensuring protection for depositors[175]. - The Bank has implemented a Bank Secrecy Act and Patriot Act compliance program to combat money laundering and ensure regulatory compliance[182]. - The Bank's required reserves can be satisfied in the form of vault cash, with the current reserve requirement set to zero percent[178]. - The Bank is required to notify customers of security breaches under the Gramm-Leach Bliley Act, ensuring consumer data protection[181]. Competitive Environment - The Company expects increased competition in the financial services industry due to legislative, regulatory, and technological changes[26]. - The Company operates in a highly competitive environment, facing competition from local, regional, and national financial institutions, as well as credit unions[25]. - The Springfield Metropolitan area, where the company operates, is the sixth largest metropolitan area in New England, benefiting from a diverse economy[23]. - The company faces significant competition from local, regional, and national financial institutions, as well as credit unions and non-depository institutions[25]. - Legislative and regulatory initiatives may change the operating environment of the company, potentially increasing or decreasing the cost of doing business[190]. Acquisitions - The Company acquired Chicopee Bancorp, Inc. on October 21, 2016, which was a tax-free reorganization for federal income tax purposes[19]. - The company has loans acquired with evidence of credit deterioration from Chicopee Bancorp, Inc., which are now accounted for as purchased credit deteriorated loans under the new CECL framework[93]. Accounting and Financial Reporting - The Company adopted ASU 2016-13 on January 1, 2023, affecting the allowance for credit losses calculation[79]. - The Company adopted the CECL methodology on January 1, 2023, resulting in a $1.2 million increase to the allowance for credit losses and a $918,000 allowance for off-balance sheet credit exposures[81][82]. - As of December 31, 2023, the allowance for credit losses for loans held for investment was adjusted by a credit loss expense, with accrued interest receivable on loans held for investment at $7.5 million[83]. - The transition to ASC 326 resulted in a net increase to retained earnings of $9,000, including a net deferred tax liability of $4,000[82].

Financial Performance - Net income for Q3 2023 was $4.5 million, or $0.21 per diluted share, down from $6.0 million, or $0.28 per diluted share in Q3 2022, representing a decrease of 25%[158] - The Company reported net income of $4.5 million, or $0.21 per diluted share, for the three months ended September 30, 2023, compared to $6.0 million, or $0.28 per diluted share, for the same period in 2022[181] - Net income for the nine months ended September 30, 2023, was $12.6 million, or $0.58 per diluted share, down from $16.9 million, or $0.77 per diluted share, for the same period in 2022[203] Interest Income and Expenses - Net interest income decreased by $3.9 million, or 19.2%, to $16.4 million in Q3 2023, primarily due to an increase in interest expense of $8.1 million[158] - Net interest income decreased by $3.9 million, or 19.2%, to $16.4 million for the three months ended September 30, 2023, compared to $20.3 million for the same period in 2022[190] - For the nine months ended September 30, 2023, net interest income decreased by $6.7 million, or 11.4%, to $51.7 million compared to $58.4 million for the same period in 2022[213] - Interest expense increased by $18.7 million, or 470.4%, primarily due to a $14.7 million increase in interest expense on deposits, and a $3.9 million increase on borrowings[213] Asset and Loan Growth - Total assets increased by $31.8 million, or 1.3%, to $2.6 billion as of September 30, 2023, driven by a $23.4 million increase in total loans[164] - Total loans increased by $23.4 million, or 1.2%, to $2.0 billion, with residential real estate loans rising by $18.7 million, or 2.7%[169] - Average interest-earning assets increased by $5.2 million, or 0.2%, to $2.4 billion for the nine months ended September 30, 2023[214] Deposits and Borrowings - Total deposits decreased by $53.1 million, or 2.4%, to $2.2 billion, with core deposits declining by $224.0 million, or 12.3%[171] - Total borrowings increased by $87.6 million, or 140.8%, from $62.2 million at December 31, 2022, to $149.8 million[174] - As of September 30, 2023, total deposits were $2,176,303 thousand, a slight increase from $2,157,974 thousand in June 2023[172] Credit Quality - The allowance for credit losses as a percentage of total loans was 0.99% at September 30, 2023, compared to 1.00% at December 31, 2022[170] - Nonperforming loans totaled $6.3 million, or 0.31% of total loans, an increase from $5.7 million, or 0.29% at December 31, 2022[170] - The Company recorded net charge-offs of $1.9 million for the nine months ended September 30, 2023, compared to $129,000 for the same period in 2022[159] Efficiency and Ratios - The efficiency ratio increased to 70.6% for the three months ended September 30, 2023, compared to 62.7% for the same period in 2022[201] - The efficiency ratio for the nine months ended September 30, 2023, was 72.7%, up from 65.5% for the same period in 2022[220] - The Company's total Risk-Based Capital Ratio was 14.4% at September 30, 2023, compared to 14.2% at December 31, 2022, indicating strong capital levels[180] Strategic Initiatives - The Company plans to grow its commercial loan portfolio and expand retail banking deposit relationships as part of its growth strategy[158] - The Company is considering growth through acquisitions to enhance its product offerings and shareholder value[158] Market Sensitivity and Risk - The Company executed a $200 million fair value hedge on fixed-rate assets to reduce sensitivity to interest rates[178] - There have been no material changes in the Company's assessment of sensitivity to market risk since the last report[244] Other Financial Metrics - The average yield on interest-earning assets increased to 4.28% for the three months ended September 30, 2023, compared to 3.59% for the same period in 2022[192] - The average cost of total funds increased by 139 basis points to 1.64% for the three months ended September 30, 2023, from 0.25% for the same period in 2022[193] - Book value per share (GAAP) increased to $10.53 as of September 30, 2023, from $9.52 in the same period of 2022[226]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number: 001-16767 Western New England Bancorp, Inc. (Exact name of registrant as specified in its charter) (State or other juri ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number: 001-16767 Western New England Bancorp, Inc. (Exact name of registrant as specified in its charter) Massachusetts 73-16 ...

Loan Portfolio and Asset Quality - The company's loan portfolio totaled $2.0 billion, representing 78.0% of total assets as of December 31, 2022, compared to $1.9 billion or 73.5% of total assets as of December 31, 2021[36]. - As of December 31, 2022, the total loan portfolio amounted to $1.99 billion, an increase from $1.86 billion in 2021[57]. - Commercial real estate loans reached $1.1 billion, representing 53.8% of total loans, up from $980 million or 52.6% in 2021[41]. - The commercial and industrial loan portfolio totaled $219.8 million, accounting for 11.0% of total loans, a decrease from 12.2% in 2021[45]. - Home equity loans stood at $105.6 million, or 5.3% of total loans, compared to $99.8 million, or 5.4% in 2021[54]. - At December 31, 2022, the residential real estate loan portfolio totaled $589.5 million, maintaining 29.6% of total loans[51]. - Total loans outstanding as of December 31, 2022, amounted to $1,991.4 million, an increase from $1,864.7 million in 2021[73]. - Criticized loans totaled $64.0 million, or 3.2% of total loans, down from $82.6 million, or 4.4% of total loans, at December 31, 2021[66]. - Adversely classified loans were $42.3 million, or 2.1% of total loans, compared to $31.1 million, or 1.7% in 2021[67]. - Nonaccrual loans stood at $5.7 million, or 0.29% of total loans, slightly up from $5.0 million, or 0.27% in 2021[70]. - The allowance for loan losses was $19.9 million, representing 1.00% of total loans outstanding, compared to 1.06% in 2021[73]. - Total impaired loans were $18.4 million, or 0.9% of total loans, down from $20.5 million, or 1.1% in 2021[68]. - The company reported net charge-offs of $556,000 for the period, with total loan charge-offs to daily average loans outstanding at 0.03%[73]. - The company plans to adopt the Current Expected Credit Loss (CECL) methodology effective January 1, 2023, using a Discounted Cash Flow (DCF) model for estimating potential loan losses[74]. - The company maintains a high level of asset quality, with ongoing monitoring of the loan portfolio and independent credit analyses for loans above a specific threshold[62]. - Management believes the allowance for loan losses is adequate to absorb probable losses as of December 31, 2022[83]. Employee and Diversity Statistics - The company employed 337 total employees as of December 31, 2022, with 289 employed full-time and 48 part-time[32]. - Approximately 66% of the company's employees were women, and 18% were ethnic minorities, veterans, or persons with disabilities as of December 31, 2022[30]. - The company has a comprehensive employee benefit program, including group medical, dental, and vision insurance, a 401(k) Safe Harbor Plan, and an employee stock ownership plan[34]. - The company has successfully attracted and retained qualified staff, employing a total of 337 individuals as of December 31, 2022[32]. Market Position and Competition - As of June 30, 2022, the company held approximately 13.7% of the deposits in Hampden County, making it the second largest market share out of 16 banks and thrifts in the area[29]. - The company expects increased competition in the financial services industry due to legislative, regulatory, and technological changes[28]. - The largest commercial lending relationship was $32.2 million, secured by business assets and real estate, performing according to original terms[46]. - The largest concentration of commercial loans was to hotels and accommodation, comprising approximately 6.9% of the commercial loan portfolio[46]. Regulatory Environment and Compliance - The company is subject to extensive regulation under federal and state laws, impacting its operational and financial strategies[119]. - The Capital Rules established a new capital framework for U.S. banking organizations, which the company is subject to as a savings and loan holding company[132]. - The minimum capital ratios required under the Capital Rules include a CET1 to risk-weighted assets ratio of at least 7%, Tier 1 capital to risk-weighted assets ratio of at least 8.5%, and Total capital to risk-weighted assets ratio of at least 10.5%[136]. - As of December 31, 2022, the Company and the Bank were in compliance with the targeted capital ratios under the Capital Rules[140]. - The Bank was categorized as "well-capitalized" under the Prompt Corrective Action framework, meeting the total risk-based capital ratio of at least 10% and CET1 risk-based capital ratio of at least 6.5%[143]. - The Company and the Bank decided not to opt into the community bank leverage ratio framework despite being eligible, maintaining a leverage ratio of greater than 9%[141]. - The Bank met the Qualified Thrift Lender test in each of the prior 12 months, ensuring compliance with federal regulations[150]. - The Bank received an "Outstanding" rating on its most recent Community Reinvestment Act examination, indicating strong performance in meeting credit needs[151]. - The FDIC's deposit insurance limit is $250,000 per depositor, per insured bank, ensuring protection for customer deposits[159]. - The Company and the Bank are subject to a risk-based assessment system for deposit insurance premiums, which considers capital levels and supervisory ratings[159]. - The Capital Rules mandate a capital conservation buffer of 2.5% of CET1, which is designed to absorb losses during economic stress[136]. - The implementation of the Capital Rules did not have a material impact on the Company's or the Bank's consolidated capital levels[139]. - The Federal Reserve Board has reduced the reserve requirement to zero percent, impacting the Bank's required reserves[163]. - The Bank is compliant with the Federal Home Loan Bank System's capital stock requirements as of December 31, 2022[162]. Financial Performance and Deposits - Total deposits increased to $2,264,252 thousand in 2022, up from $2,177,770 thousand in 2021, reflecting a growth of approximately 4.0%[102]. - Core deposits represented 81.5% of total deposits as of December 31, 2022, down from 82.2% in 2021[100]. - Demand deposits increased to $647,971 thousand in 2022, representing 28.6% of total deposits, compared to $608,936 thousand and 28.0% in 2021[102]. - The total amount of time deposit accounts was $363,258 thousand in 2022, down from $477,067 thousand in 2021[102]. - The average rate for interest-bearing checking accounts was 0.38% in 2022, slightly up from 0.36% in 2021[102]. - The total core deposit accounts decreased to $590,224 thousand in 2022 from $686,212 thousand in 2021[104]. - The weighted average rate for time deposits was 0.41% in 2022, down from 0.53% in 2021[102]. - Time deposits of $250,000 or more totaled $131,737 thousand with a weighted average rate of 2.54% as of December 31, 2022, compared to $65,860 thousand and 0.47% in 2021[108]. Lending Programs and Initiatives - The Company offered PPP loans totaling $2.3 million, or 0.1% of total loans, at December 31, 2022[47]. - PPP loans had an interest rate of 1.0% and a two-year loan term, extended to five years for loans granted after June 5, 2020[47]. - The SBA guarantees 100% of the PPP loans made to eligible borrowers, with forgiveness available if employee and compensation levels are maintained[47]. - Eligible businesses could apply for PPP loans up to the lesser of 2.5 times their average monthly payroll costs or $10.0 million[47]. - Principal and interest payments on PPP loans were deferred from six months to ten months from the date of disbursement[47]. - 60% of the loan proceeds must be used for payroll expenses, with the remaining 40% for other qualifying expenses to qualify for forgiveness[47].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number: 001-16767 Western New England Bancorp, Inc. (Exact name of registrant as specified in its charter) Massachusetts 7 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number: 001-16767 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification Number) 141 Elm S ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number: 001-16767 Western New England Bancorp, Inc. (Exact name of registrant as specified in its charter) Massachusetts 73-16 ...

Securities and Exchange Commission Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 Commission File No.: 001-16767 Western New England Bancorp, Inc. (Exact name of registrant as specified in its charter) Massachusetts 73-1627673 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 141 Elm Street, Westfield, Massachusetts 01085 (Address of principal ...