Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 243

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 243
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.00 | % |

| December 31, 2024                        |     | Actual |        |     |       |       |   |     | For Capital       
 Adequacy Purposes |        |     |       |      |   |     | For Capital         
 Adequacy Purposes   
 with Capital Buffer |        |     |       |       |   |     | To be Well        
 Capitalized under 
 Prompt Corrective 
 Action Provisions |        |     |       |       |   |
|:-----------------------------------------|:----|:-------|-------:|:----|:------|------:|:--|:----|:------------------|-------:|:----|:------|-----:|:--|:----|:--------------------|-------:|:----|:------|------:|:--|:----|:------------------|-------:|:----|:------|------:|:--|
|                                          |     | Amount |        |     | Ratio |       |   |     | Amount            |        |     | Ratio |      |   |     | Amount              |        |     | Ratio |       |   |     | Amount            |        |     | Ratio |       |   |
| Total capital (to risk-weighted assets)  |     | $      | 46,961 |     |       | 13.50 | % |     | $                 | 27,820 |     |       | 8.00 | % |     | $                   | 36,514 |     |       | 10.50 | % |     | $                 | 34,775 |     |       | 10.00 | % |
| Tier 1 capital (to risk-weighted assets) |     | $      | 42,614 |     |       | 12.25 | % |     | $                 | 20,865 |     |       | 6.00 | % |     | $                   | 29,559 |     |       |  8.50 | % |     | $                 | 27,820 |     |       |  8.00 | % |
| Common equity (to risk-weighted assets)  |     | $      | 42,614 |     |       | 12.25 | % |     | $                 | 15,649 |     |       | 4.50 | % |     | $                   | 24