Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 241

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 241
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      |      — |     |      |    343 |     |      |    174 |     |      |      — |     |       |    555 |     |           |    240 |     |              |     — |     |       |   1,312 |
| Substandard                                        |     |                     |      — |     |      |      — |     |      |      — |     |      |      — |     |      |      — |     |       |  1,705 |     |           |      — |     |              |     — |     |       |   1,705 |
| Total loans, gross                                 |     | $                   | 35,043 |     | $    | 44,452 |     | $    | 50,112 |     | $    | 59,032 |     | $    | 61,347 |     | $     | 87,070 |     | $         | 20,325 |     | $            | 1,051 |     | $     | 358,432 |
| Current period gross charge-offs                   |     | $                   |      — |     | $    |      — |     | $    |      — |     | $    |      — |     | $    |      — |     | $     |      — |     | $         |      — |     | $            |     — |     | $     |       — |

F-56

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 December 31, 2024 (in thousands); as well as gross charge-offs (in thousands) for the year ended December 31, 2024:

| Real estate: one- to four-family residential       |     | Year of Origination 
 2024                |        |     | 2023 |        |     | 2022 |        |     | 2021 |        |     | 2020 |        |     | Prior |        |   |     | Revolving 
 Loans     |        |   |     | Revolving    
 Loans        
 Converted to 
 Term Loans   |       |     | Total |         |   |
|:---------------------------------------------------|:----|:--------------------|-------:|:----|:-----|-------:|