Company: NWFL
Filing Date: 2025-07-07
Form Type: 425
Source: 0001193125-25-156258
Chunk: 136

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-07-07
Form: 425
Chunk 136
---
6 . This Bank
Merger Agreement may be executed in one or more counterparts all of which shall be considered one and the same agreement and each of which shall be deemed an original. A facsimile copy of a signature page or
e-mail delivery of a “.pdf” format data file of a signature page shall each be deemed to be an original signature page

9.7 . This Bank Merger Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of
Pennsylvania, without giving effect to principles of conflicts of law, except to the extent that certain maters may be governed by federal law.

[Signature page immediately follows]

IN WITNESS WHEREOF, the parties have caused this Agreement and Plan of Bank Merger to be executed by their duly authorized officers and their corporate seals to be hereunto affixed as of the date first written above.

| Presence Bank |     |                                      |
| By:           |     | /s/ Janak M. Amin                    |
|               |     | Janak M. Amin, President and CEO     |
| Wayne Bank    |     |                                      |
| By:           |     | /s/ James O. Donnelly                |
|               |     | James O. Donnelly, President and CEO |

Exhibit 99.1 Norwood Financial Corp Extends its Pennsylvania Presence with Strategic Acquisition of PB Bankshares, Inc. J u l y 7 , 2 0 2 5

Forward-looking Statements and Additional Information 2

Forward-looking Statements and Additional Information 3

The Combination of Two Highly Complementary Franchises ▪▪ ▪ ▪ ▪ ▪ 4

Transaction Impacts: Financially Compelling Expected Financial Impact Benefits of the Transaction • Expanding NWFL’s footprint into Central & Southeastern Pennsylvania 106.6% 10.3% 10.9% Price / Tangible Book 2026 EPS • Increasing the product offerings across both platforms CET1 Ratio 1 Value Accretion • Enabling significant cross selling opportunities • Providing PBBK with additional resources and a materially 9.4x 10.4% 8.6% higher lending limit to expand its existing loan relationships Price / ’26E Earnings 2027 EPS Leverage Ratio 2 1 (Incl. Cost Saves) Accretion • Utilizing the size and scale of the NWFL platform to retain key relationships which were previously participated out 12.0%