Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 236

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 236
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loss” are those considered “uncollectible” and of such little value that
their continuance as assets without the establishment of a specific allowance for credit losses is not warranted. Loans that do not currently expose the insured institution to sufficient risk to warrant classification in one of the aforementioned
categories but possess weaknesses are designated as “special mention” by our management. Loans that are performing as agreed are classified as “pass”.

F-55

The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company’s internal risk rating system as of June 30, 2025 (in thousands); as well as gross charge-offs (in thousands) for the six months ended June 30, 2025:

| Real estate: one- to four-family residential       |     | Year of Origination 
 2025                |        |     | 2024 |        |     | 2023 |        |     | 2022 |        |     | 2021 |        |     | Prior |        |     | Revolving 
 Loans     |        |     | Revolving    
 Loans        
 Converted to 
 Term Loans   |       |     | Total |         |
|:---------------------------------------------------|:----|:--------------------|-------:|:----|:-----|-------:|:----|:-----|-------:|:----|:-----|-------:|:----|:-----|-------:|:----|:------|-------:|:----|:----------|-------:|:----|:-------------|------:|:----|:------|--------:|
| Pass                                               |     | $                   |  7,485 |     | $    |  3,656 |     | $    |  7,549 |     | $    | 16,532 |     | $    | 14,842 |     | $     | 43,902 |     | $         |  9,815 |     | $            |   998 |     | $     | 104,779 |
| Special Mention                                    |     |                     |      — |     |      |      — |     |      |      — |     |      |      — |     |      |      — |     |       |    226 |     |           |      — |     |              |     — |     |       |     226 |
| Substandard