Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 214

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 214
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 % |
| Consumer and other                                       |     |      |    — | % |     |      |    — | % |
| Total net charge-offs to total average loans outstanding |     |      | 0.06 | % |     |      | 0.04 | % |

The following table presents key credit ratios and the components used in the calculations:

|                                                               |     |   |    2024 |   |     |   |    2023 |   |
|:--------------------------------------------------------------|:----|:--|--------:|:--|:----|:--|--------:|:--|
| Total non-accrual loans                                       |     | $ |   1,122 |   |     | $ |   1,421 |   |
| Gross total loans                                             |     | $ | 349,764 |   |     | $ | 326,595 |   |
| Allowance for credit losses - loans                           |     | $ |   4,356 |   |     | $ |   4,511 |   |
| Total non-accrual loans to total loans                        |     |   |    0.32 | % |     |   |    0.44 | % |
| Allowance to non-accrual loans                                |     |   |  388.24 | % |     |   |  317.45 | % |
| Allowance to total loans outstanding at the end of the period |     |   |    1.25 | % |     |   |    1.38 | % |

F-20

PB BANKSHARES, INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS The following table presents the amortized cost basis of collateral-dependent loans to borrowers experiencing financial difficulty by loan class as of December 31, 2024 (in thousands):

|                                 |     | December 31, 2024 |       |     |                 |   |     |            |       |     |                |    |
|:--------------------------------|:----|:------------------|------:|:----|:----------------|:--|:----|:-----------|------:|:----|:---------------|---:|
|                                 |     | Real Estate       
 Secured           
 Loans             |       |     | Non-Real Estate 
 Secured Loans   |   |     | Total      
 Collateral 
 Dependent  
 Loans      |       |     | Allow