Company: NWFL
Filing Date: 2025-07-07
Form Type: 425
Source: 0001193125-25-156258
Chunk: 127

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-07-07
Form: 425
Chunk 127
---
 |     |                        |     | Name: James O. Donnelly                      |
| Name: John M. McCaffery Its 
 Secretary                   |     |                        |     | Title: President and Chief Executive Officer |
|                             |     | PB BANKSHARES, INC.    |     |                                              |
| ATTEST:                     |     | By:                    |     | /s/ Janak M. Amin                            |
| /s/ Mackenzie L. Jackson    |     |                        |     | Name: Janak M. Amin                          |
| Name: Its Secretary         |     |                        |     | Title: President and Chief Executive Officer |
|                             |     | PRESENCE BANK          |     |                                              |
| ATTEST:                     |     | By:                    |     | /s/ Janak M. Amin                            |
| /s/ Mackenzie L. Jackson    |     |                        |     | Name:Janak M. Amin                           |
| Name: Its Secretary         |     |                        |     | Title: President and Chief Executive Officer |

EXHIBIT A

VOTING AGREEMENT

July 7, 2025

Board of Directors

Norwood Financial Corp

717 Main Street

Honesdale, PA 18431

Re: Shareholder Voting Agreement

Dear Ladies and Gentlemen:

The
undersigned shareholder (“Shareholder”) of PB Bankshares, Inc., a Maryland corporation (“PB Bankshares”), in order to induce Norwood Financial Corp, a Pennsylvania corporation (“Norwood”), to enter into the Agreement
and Plan of Merger, of even date herewith, executed by and among PB Bankshares and Presence Bank, on one hand, and Norwood and Wayne Bank, on the other hand (the “Agreement”), hereby represents, warrants and agrees as follows:

1. Shareholder hereby represents and warrants that Shareholder owns of record, or beneficially, good and valid title to all of the shares of
the capital stock of PB Bankshares shown onSchedule1, attached hereto, free and clear of any and all mortgages, liens, encumbrances, charges, claims, restrictions, pledges, security interests, voting trusts or
agreements, or impositions, except as otherwise disclosed onSchedule1, and such shares represent all of the shares of capital stock of PB Bankshares beneficially owned by Shareholder, as determined in accordance with
Securities and Exchange Commission (“SEC”) Rule 13d-3