Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 213

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 213
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     |      |      — |     |      |      — |     |      |      — |     |       |  1,949 |   |     |           |      — |   |     |              |     — |     |       |   1,949 |   |
| Total loans, gross                                 |     | $                   | 44,934 |     | $    | 51,374 |     | $    | 62,251 |     | $    | 67,754 |     | $    | 32,066 |     | $     | 59,215 |   |     | $         | 31,043 |   |     | $            | 1,127 |     | $     | 349,764 |   |
| 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 |         |   |
|:---------------------------------------------------|:----|:--------------------|-------:|:----|:-----|-------:|:----|:-----|-------:|:--|:----|:-----|-------:|:----|:-----|-------:|:----|:------|-------:|:----|:----------