Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 87

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 87
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        |   |     | $           | 405,874 |     |          |        |     |            |      |   |
| Net interest income                                                     |     |                                  |         |   |     | $        | 11,094 |     |            |        |   |     |             |         |     | $        | 12,114 |     |            |      |   |
| Net interest rate spread (1)                                            |     |                                  |         |   |     |          |        |     |            |   2.03 | % |     |             |         |     |          |        |     |            | 2.71 | % |
| Net interest-earning assets (2)                                         |     | $                                |  66,078 |   |     |          |        |     |            |        |   |     | $           |  63,585 |     |          |        |     |            |      |   |
| Net interest margin (3)                                                 |     |                                  |         |   |     |          |        |     |            |   2.54 | % |     |             |         |     |          |        |     |            | 3.07 | % |
| Average interest-earning assets to average interest-bearing liabilities |     |                                  |   117.8 | % |     |          |        |     |            | 119.13 | % |     |             |         |     |          |        |     |            |      |   |

| (1) | Net interest rate spread represents the difference between the weighted average yield on interest-earning 
 assets and the weighted average rate of interest-bearing liabilities.                                     |

| (2) | Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities. |

| (3) | Net interest margin represents net interest income divided by average total interest-earning assets. |

Rate/Volume Analysis The following table presents the effects of changing rates and volumes on our net interest income for the years indicated. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effects attributable to changes in volume (changes in volume multiplied by prior rate). The net column represents the sum of the prior columns. For purposes of this table, changes attributable to both rate and volume, which cannot be segregated, have been allocated proportionately, 53

based on the