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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 , 2020 Commission File No .: 001-16767 Western New England Bancorp , Inc. ( Exact name of registrant as specified in its charter ) Massachusetts ( State or other jurisdiction of incorporation or organization ) 73-1627673 ( I.R.S. Employer Identification No. ) 141 Elm Street , Westfield , Massachusetts 01085 ( Address of principal executive offices , including zip code ) (413)568-1911 ( Registrant's telephone number , including area code ) Securities registered pursuant to Section 12 ( b ) of the Act : ( Title of each class ) Common Stock , $ 0.01 par value per share ( Trading Symbol ) WNEB ( Name of each exchange on which registered ) The NASDAQ Global Select Market Securities registered pursuant to Section 12 ( g ) of the Act : None . Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No ☑ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No ☑ Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes No □ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No □ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of “ large accelerated filer , ” “ accelerated filer , ” “ smaller reporting company , " and " emerging growth company ” in Rule 12b - 2 of the Exchange Act . ( Check one ) : Large accelerated filer ☐ Accelerated Filer > Non - accelerated filer □ Smaller reporting company + Emerging growth company □ If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Yes > No ☐ Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes □ No The aggregate market value of the voting stock held by non - affiliates of the registrant as of June 30 , 2020 , was $ 148,480,694 . This amount was based on the closing price as of June 30 , 2020 on the NASDAQ Global Select Market ( " NASDAQ " ) for a share of the registrant's common stock , which was $ 5.79 on June 30 , 2020 .