Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 213

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 213
---
     |                                     |   308 |     |             | (84 | ) |     |             | (144 | ) |     |            |  4 |     |            |  145 |   |     |         |   229 |
| Consumer and other              |     |                                     |    87 |     |             |   3 |   |     |             | —    |   |     |            |  — |     |            |  (19 | ) |     |         |    71 |
| Unallocated                     |     |                                     |   296 |     |             |  (5 | ) |     |             | —    |   |     |            |  — |     |            |  (96 | ) |     |         |   195 |
| Total                           |     | $                                   | 3,992 |     | $           |   — |   |     | $           | (144 | ) |     | $          | 19 |     | $          |  644 |   |     | $       | 4,511 |

F-19

PB BANKSHARES, INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS The following tables present a breakdown of the provision for credit losses for the years ended December 31, 2024 and 2023 (in thousands):

| Provision for credit losses:      |     | 2024 |     |   |     | 2023 |     |   |
|:----------------------------------|:----|:-----|----:|:--|:----|:-----|----:|:--|
| Provision for loans               |     | $    |  52 |   |     | $    | 644 |   |
| Recovery for unfunded commitments |     |      | (89 | ) |     |      | (12 | ) |
| Total provision for credit losses |     | $    | (37 | ) |     | $    | 632 |   |

The following table presents the amortized cost basis of loans on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses as of December 31, 2024 and 2023 (in thousands):

|                                 |     | December 31, 2024 |       |     |             |     |
|:--------------------------------|:----|:------------------|------:|: