Company: NWFL
Filing Date: 2025-10-22
Form Type: 425
Source: 0001193125-25-245892
Chunk: 5

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-22
Form: 425
Chunk 5
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 Results Quarterly and Year-to-DateHighlights:

| • |     | Fully diluted EPS of $0.89, an 85% increase over the same period in 2024 |

| • |     | Return on assets rose 72 basis points to 1.40% from 3Q 2024. |

| • |     | Net interest margin increased 20 basis points vs. the prior quarter and 64 basis points over the prior year. |

| • |     | Loans grew at a 5.4% and 7.3% annualized rate during the third quarter and year-to-date, respectively. |

| • |     | Deposits grew year-to-date at an                                                               
 annualized rate of 15% while deposit costs fell 19 basis points since the 4th quarter of 2024. |

| • |     | Capital continues to improve on increased earnings and lower accumulated other comprehensive income (AOCI) 
 adjustment.                                                                                                |

Honesdale, Pennsylvania – October 22, 2025 -Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, announced results for the three months and nine months ended September 30, 2025. Jim Donnelly, President and Chief Executive Officer, stated, “Our quarterly results continue to demonstrate the strength of our community banking franchise. We have been able to maintain solid growth, while improving profitability and efficiency.” Mr. Donnelly continued, “Our disciplined approach to growth, improving margins, and credit quality have allowed us to deliver strong quarterly results for our shareholders. I am proud of the performance of the entire Norwood team as they remain focused on delivering the products and services that help our customers achieve their goals. We have improved our credit quality from already sound levels. This is a result of our well-managed and consistent approach to credit. We have also improved our fee income lines of business.” “During the second quarter we launched our ‘Every Day Better’ brand to high acclaim from customers, employees, and community members. This full rebrand enabled us to articulate our values and mission, stand out from competitors, and unite and energize our company culture. Building on this great combination of a high-performing team and strong brand, I believe that we are on our way to creating a bright future for us, our customers, and our shareholders.”

SelectedFinancial Highlights (unaudited)

| (dollars in thousands, except per share data) |     | Year-Over Year 
 3