Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 63

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 63
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 It also faces competition from savings institutions, mortgage banking firms and consumer finance companies and, with respect to deposits, from money market funds, brokerage firms, mutual funds and insurance companies. It also competes with fintech and Internet banking companies. Some of PB Bankshares’ competitors offer products and services that it currently does not offer, such as trust services and private banking. Properties Information about PB Bankshares’ physical properties is set forth below as of [June 30, 2025].

| Location          |     | Leased or 
 Owned     |        |     | Year Acquired 
 or Leased     |      |
| Main Office:      |     |           |        |     |               |      |
| Coatesville       |     |           | Leased |     |               | 2022 |
| Other Properties: |     |           |        |     |               |      |
| New Holland (1)   |     |           | Owned  |     |               | 1995 |
| Oxford (1)        |     |           | Leased |     |               | 2024 |
| Christiana (1)    |     |           | Owned  |     |               | 2005 |
| Harrisburg (2)    |     |           | Leased |     |               | 2021 |
| Lancaster (3)     |     |           | Leased |     |               | 2024 |

| (1) | Branch location. |

| (2) | Loan production office. |

| (3) | Administrative office. |

Legal Proceedings From time to time, PB Bankshares is a party to various litigation matters incidental to the conduct of its business. As of June 30, 2025, PB Bankshares does not believe that any currently pending legal proceedings will have a material adverse effect on its business, financial condition or results of operations. Information about PB Bankshares executive officers who will become executive officers of Norwood The following discussion provides information, as of September 1, 2025, about executive officers of PB Bankshares who are anticipated to be appointed as executive officers of Norwood upon completion of the merger: Janak M. Amin, age 60, is the President, Chief Executive Officer and a director of Presence Bank and PB Bankshares and will be appointed as the Executive Vice President and Chief Operating Officer of Norwood upon completion of the merger. Mr. Amin leads the team at Presence Bank with values-driven principles that he has cultivated throughout