Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 225

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 225
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1 capital to total average assets, effective January 1, 2020. A qualifying institution may opt in and out of the community bank leverage ratio framework on its quarterly call report. An institution that temporarily ceases to meet any qualifying criteria is provided with a two quarter grace period to again achieve compliance. Failure to meet the qualifying criteria within the grace period or maintain a leverage ratio of 8% or greater requires the institution to comply with the generally applicable capital requirements. As of December 31, 2024 and 2023, the Bank did not elect to follow the community bank leverage ratio framework (“CBLR” framework). Actual and required capital amounts (in thousands) and ratios are presented below at year-end.

| December 31, 2024                        |     | Actual |        |     |       |       |   |     | For Capital 
 Adequacy    
 Purposes    |        |     |       |      |   |     | For Capital         
 Adequacy Purposes   
 with Capital Buffer |        |     |       |       |   |     | To be Well        
 Capitalized under 
 Prompt Corrective 
 Action Provisions |        |     |       |       |   |
|:-----------------------------------------|:----|:-------|-------:|:----|:------|------:|:--|:----|:------------|-------:|:----|:------|-----:|:--|:----|:--------------------|-------:|:----|:------|------:|:--|:----|:------------------|-------:|:----|:------|------:|:--|
|                                          |     | 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) |     | $      |