Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 211

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 211
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:------------|:-----|:--|:----|:-----------|---:|:----|:-----------|-----:|:--|:----|:--------|------:|
| One- to four-family residential |     | $                                   | 1,156 |     | $           |  45 |   |     | $           | —    |   |     | $          | 15 |     | $          |   51 |   |     | $       | 1,267 |
| Commercial                      |     |                                     | 1,829 |     |             |  75 |   |     |             | —    |   |     |            |  — |     |            |  733 |   |     |         | 2,637 |
| Construction                    |     |                                     |   316 |     |             | (34 | ) |     |             | —    |   |     |            |  — |     |            | (170 | ) |     |         |   112 |
| Commercial and industrial       |     |                                     |   308 |     |             | (84 | ) |     |             | (144 | ) |     |            |  4 |     |            |  145 |   |     |         |   229 |
| Consumer and other              |     |                                     |    87 |     |             |   3 |   |     |             | —    |   |     |            |  — |     |            |  (19 | ) |     |         |    71 |
| Unallocated                     |     |                                     |   296 |     |             |  (5 | ) |     |             | —    |   |     |            |  — |     |            |  (96 | ) |     |         |   195 |
| Total                           |     | $                                   | 3,992 |     | $           |   — |   |     | $           | (144 | ) |     | $          | 19 |     | $          |  644 |   |     | $       | 4,511 |

F-19

PB BANKSHARES, INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS The following tables present a breakdown of the provision for credit losses for the years ended December 31, 2024 and 2023 (in thousands):

| Provision for credit losses