Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 242

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 242
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|:-------------------|-------:|:----|:-----------|-------:|:----|:------|-----:|:--|
| Due less than one year                   |     | $                  | 23,149 |     | $          | 22,938 |     |       | 1.65 | % |
| Due one year through five years          |     |                    |      — |     |            |      — |     |       |    — |   |
| Due after five years through ten years   |     |                    |  5,811 |     |            |  6,157 |     |       | 8.16 |   |
| Mortgage-backed securities               |     |                    |  3,858 |     |            |  3,871 |     |       | 5.15 |   |
| Collateralized mortgage obligations      |     |                    |  2,797 |     |            |  2,634 |     |       | 3.03 |   |
| Total available-for-sale debt securities |     | $                  | 35,615 |     | $          | 35,600 |     |       | 3.20 | % |

At June 30, 2025 and December 31, 2024, the Company had securities with fair values totaling $1,907,000 and $1,954,000, respectively, pledged to secure borrowings. At June 30, 2025 and December 31, 2024, the Company had securities with fair values totaling $20,384,000 and $22,047,000, respectively, pledged primarily for public fund depositors. At June 30, 2025 and December 31, 2024, the Company had accrued interest receivable on available for sale debt securities totaling $97,000 and $83,000, respectively. 4. Loans Receivable and Allowance for Credit Losses The Company’s loans are stated at their face amount and consist of the classes of loans included in the table below. The Company has elected to exclude accrued interest receivable, totaling $1.4 million and $1.3 million at June 30, 2025 and December 31, 2024, respectively, from the amortized cost basis of loans. F-51

Major classifications of net loans receivable at June 30, 2025 and December 31, 2024 are as follows