Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 216

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 216
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,582 |
|                                  |     | $ | 10,612 |     | $ | 5,911 |

Deposits of related parties totaled $3,542,000 and $3,876,000 at December 31, 2024 and 2023, respectively. 7. Borrowings The Company has an unsecured line of credit with ACBB of up to $7,500,000, which expires on June 30, 2025, which it intends to renew annually. Interest on the line of credit is charged at fed funds rate plus 0.25%. The Company had no outstanding borrowings under the ACBB line of credit at December 31, 2024 and 2023. The Company has an unsecured line of credit with SouthState Bank N.A. of up to $5,000,000. There were no borrowings outstanding under the SouthState Bank, N.A. line of credit at December 31, 2024 and 2023. The Company also has the ability to borrow up to $1,876,000 through the Federal Reserve Bank’s discount window. Funds obtained through the discount window are secured by the Company’s U.S. Government and agency obligations. There were no borrowings outstanding through the discount window at December 31, 2024 and 2023. Borrowings maturing in less than a year are considered short term and borrowings maturing in greater than a year are considered long term. Borrowings from the FHLB at December 31 consist of the following (dollars in thousands):

| Maturity         |     | December 31, 
 2024         
 Amount       |        |     | Weighted 
 Rate     |      |   |     | December 31, 
 2023         
 Amount       |        |     | Weighted 
 Rate     |      |   |
|:-----------------|:----|:-------------|-------:|:----|:---------|-----:|:--|:----|:-------------|-------:|:----|:---------|-----:|:--|
| 2024             |     | $            |      — |     |          |    — | % |     | $            | 11,500 |     |          | 5.41 | % |
| 2025             |     |              |  4,500 |     |          | 5.30 |   |     |              |  4,500 |