Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 217

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 217
---
061 |
| More than 15 years          |     |               |  43,909 |     |             |  21,873 |     |              |      — |     |                |      — |     |           |     — |     |       |  65,782 |
| Total                       |     | $             | 103,573 |     | $           | 205,164 |     | $            | 10,492 |     | $              | 21,278 |     | $         | 9,257 |     | $     | 349,764 |

The following table sets forth our fixed and adjustable-rate loans at December 31, 2024 that are contractually due after December 31, 2025 (in thousands):

|                                 |     | Due After December 31, 2025 |        |     |            |         |     |       |         |
|:--------------------------------|:----|:----------------------------|-------:|:----|:-----------|--------:|:----|:------|--------:|
|                                 |     | Fixed                       |        |     | Adjustable |         |     | Total |         |
| Real estate:                    |     |                             |        |     |            |         |     |       |         |
| One- to four-family residential |     | $                           | 45,394 |     | $          |  54,998 |     | $     | 100,392 |
| Commercial                      |     |                             | 12,214 |     |            | 186,698 |     |       | 198,912 |
| Construction                    |     |                             |  1,426 |     |            |   8,533 |     |       |   9,959 |
| Commercial and industrial       |     |                             |  6,335 |     |            |   4,026 |     |       |  10,361 |
| Consumer and other              |     |                             |      2 |     |            |   4,237 |     |       |   4,239 |
| Total loans                     |     | $                           | 65,371 |     | $          | 258,492 |     | $     | 323,863 |

F-18

PB BANKSHARES, INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Loans to officers and directors, made on the same terms as loans to others