Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 219

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 219
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 Current period gross charge-offs                   |     | $                   |      — |     | $    |      — |     | $    |      — |     | $    |      — |     | $    |      — |     | $     |   (223 | ) |     | $         |    (12 | ) |     | $            |     — |     | $     |    (235 | ) |

F-22

PB BANKSHARES, INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company’s internal risk rating system as of December 31, 2023 (in thousands); as well as gross charge-offs (in thousands) for the year ended December 31, 2023.

| Real estate: one- to four-family residential       |     | Year of Origination 
 2023                |        |     | 2022 |        |     | 2021 |        |   |     | 2020 |        |     | 2019 |        |     | Prior |        |     | Revolving 
 Loans     |        |     | Revolving    
 Loans        
 Converted to 
 Term Loans   |       |     | Total |         |   |
|:---------------------------------------------------|:----|:--------------------|-------:|:----|:-----|-------:|:----|:-----|-------:|:--|:----|:-----|-------:|:----|:-----|-------:|:----|:------|-------:|:----|:----------|-------:|:----|:-------------|------:|:----|:------|--------:|:--|
| Pass                                               |     | $                   |  8,452 |     | $    | 17,677 |     | $    | 18,152 |   |     | $    | 12,310 |     | $    |  8,188 |     | $     | 32,444 |     | $         |  9,077 |     | $            | 1,293 |     | $     | 107,593 |   |
| Special Mention                                    |     |                     |      — |     |      |      — |     |      |      — |   |     |      |      — |     |      |