Company: NWFL
Filing Date: 2025-10-22
Form Type: 425
Source: 0001193125-25-245892
Chunk: 9

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-22
Form: 425
Chunk 9
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 income/spread (tax equivalent basis) |     |                    |           |   |     |          | 57,969 |   |     |         | 2.77 | % |     |               |           |   |     |          | 37,320 |   |     |         | 2.68 | % |     |                    |           |   |     |          | 46,167 |   |     |         | 2.12 | % |
| Tax-equivalent basis adjustment                   |     |                    |           |   |     |          |   (589 | ) |     |         |      |   |     |               |           |   |     |          |   (397 | ) |     |         |      |   |     |                    |           |   |     |          |   (601 | ) |     |         |      |   |
| Net interest income                               |     |                    |           |   |     |        $ | 57,380 |   |     |         |      |   |     |               |           |   |     |        $ | 36,923 |   |     |         |      |   |     |                    |           |   |     |        $ | 45,566 |   |     |         |      |   |
| Net interest margin (tax equivalent basis)        |     |                    |           |   |     |          |        |   |     |         | 3.46 | % |     |               |           |   |     |          |        |   |     |         | 3.37 | % |     |                    |           |   |     |          |        |   |     |         | 2.87 | % |

(1) Interest and yields are presented on a tax-equivalentbasis using a marginal tax rate of 21%. (2) Average balances have been calculated based on daily balances. (3) Annualized (4) Loan balances include non-accrualloans and are net of unearned income. (5) Loan yields include the effect of amortization of deferred fees, net of costs.

NORWOOD FINANCIAL CORP Financial Highlights (Unaudited) (dollars in thousands, except per share data)

| For the Three Months Ended September 30        |     | 2025 |           |   |     | 2024 |           |   |
|:-----------------------------------------------|:----