NORWOOD FINANCIAL CORP

Norwood Financial Corp is a registered bank holding company that operates Wayne Bank, an independent community bank. As of December 31, 2025, the company had total consolidated assets of $2.425 billion, consolidated deposits of $2.183 billion, and consolidated stockholders' equity of $242.2 million. The ratio of average equity to average assets was 9.59% for fiscal year 2025, 8.26% for 2024, and 8.14% for 2023. Wayne Bank, headquartered in Honesdale, Pennsylvania, was originally chartered on February 17, 1870, as Wayne County Savings Bank and adopted its current name in September 1993. The bank's deposits are insured by the Federal Deposit Insurance Corporation (FDIC). Wayne Bank operates fifteen offices in Northeastern Pennsylvania and fourteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York. It also operates automated teller machines at 29 branch facilities and one off-site location. The bank provides a variety of personal and business credit services, trust and investment products, and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities. Its primary service areas include the northeastern Pennsylvania counties of Wayne, Pike, Monroe, Lackawanna, and Luzerne, and to a lesser extent, Susquehanna County, along with the New York counties of Delaware, Sullivan, Ontario, Otsego, and Yates.