Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 249

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 249
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|------:|:--|:----|:------------------|-------:|:----|:------|------:|:--|
|                                          |     | 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 | % |     | $                   | 24,342 |     |       |  7.00 | % |     | $                 | 22,604 |     |       |  6.50 | % |
| Tier 1 capital (to average assets)       |     | $      | 42,614 |     |       |  9.60 | % |     | $                 | 17,753 |     |       | 4.00 | % |     |                     |    N/A |     |       |   N/A |   |     | $                 | 22,191 |     |       |  5.00 | % |

F-63

11. Earnings Per Common Share The factors used in the earnings per common share computation follow (dollars in thousands, except per share data):