# EDGAR Filing Document

**Accession Number:** 0001013272
**File Stem:** 0001013272-26-000007
**Filing Date:** 2026-6
**Character Count:** 7351
**Document Hash:** 6f471de252ee0bec42e24c02345c4120
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001013272-26-000007.hdr.sgml**: 20260618

**ACCESSION NUMBER**: 0001013272-26-000007

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20260618

**ITEM INFORMATION**: Regulation FD Disclosure

**FILED AS OF DATE**: 20260618

**DATE AS OF CHANGE**: 20260618

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** NORWOOD FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0001013272
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 232828306
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-28364
- **FILM NUMBER:** 261100421

**BUSINESS ADDRESS:**
- **STREET 1:** 717 MAIN ST
- **STREET 2:** PO BOX 269
- **CITY:** HONESDALE
- **STATE:** PA
- **ZIP:** 18431
- **BUSINESS PHONE:** 570-253-8500

**MAIL ADDRESS:**
- **STREET 1:** 717 MAIN ST
- **STREET 2:** PO BOX 269
- **CITY:** HONESDALE
- **STATE:** PA
- **ZIP:** 18431

?xml version='1.0' encoding='ASCII'? nwfl-20260618x8k

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

________________

**FORM 8-K**

________________

**CURRENT REPORT**

**PURSUANT TO SECTION 13 OR 15(D) OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

**_____________________________**

**Date of Report (Date of earliest event reported): June 18, 2026**

**_____________________________**

## NORWOOD FINANCIAL CORP
(Exact Name of Registrant as Specified in its Charter)

________________

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| | | |
|:---|:---|:---|
| **Pennsylvania** | **0-28364** | **23-2828306** |
| **(State or Other Jurisdiction<br>‎of Incorporation)** | **(Commission File Number)** | **(I.R.S. Employer<br>‎Identification Number)** |

---

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| | |
|:---|:---|
| **717 Main Street, Honesdale, Pennsylvania** | **18431** |
| **(Address of Principal Executive Offices)** | **(Zip Code)** |

---

**Registrant's telephone number, including area code:<u>(</u><u>570</u><u>)</u> <u>253-1455</u>**

**Not Applicable**

**(Former name or former address, if changed since last report)**

________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

    <br> <u>☐</u> <u>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</u>

    <br> <u>☐</u> <u>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</u>

    <br> <u>☐</u> <u>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</u>

    <br> <u>☐</u> <u>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</u>

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| **Title of class** | **Trading<br>‎symbol** | **Name of exchange on<br>‎which registered** |
| Common Stock, par value $0.10 per share | NWFL | The Nasdaq Stock Market LLC |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

‎

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**Item 7.01<u>Regulation FD Disclosure</u>**

During June 2026, two customers (the "Borrowers") of Wayne Bank (the "Bank"), the bank subsidiary of Norwood Financial Corp (the "Company"), filed for personal and corporate Chapter 11 bankruptcy. The Bank has five loans to four different corporate entities controlled by the Borrowers totaling $22.0 million (which represents the Bank's participation interest in a total credit of $29.0 million for which the Bank is the originating lender). The loans are primarily secured by several commercial real estate properties. The Company has been identified as a creditor to the bankrupt entities and is currently analyzing the potential loss exposure to the Company. The Company anticipates providing further information relating to the lending relationship as part of its second quarter earnings release expected to be issued on or about July 22, 2026.

The information contained in this Form 8-K provided under Item 7.01 is being furnished and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act"), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of the Company under the Securities Act of 1933 or the Exchange Act, unless expressly incorporated by specific reference in such filing.

**Forward-Looking Statements**

In addition to historical information, this current report on Form 8-K may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which describes the future plans, strategies and expectations of the Company. Forward-looking statements can be identified by the use of words such as "estimate," "project," "believe," "intend," "anticipate," "assume," "plan," "seek," "expect," "will," "may," "should," "indicate," "would," "contemplate," "continue," "target" and words of similar meaning. Forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Accordingly, you should not place undue reliance on such statements. We are under no duty to and do not take any obligation to update any forward-looking statements after the date of this report. Those risks and uncertainties include, among other things, changes in federal and state laws, changes in interest rates, our ability to maintain strong credit quality metrics, our ability to have future performance, our ability to control core operating expenses and costs, demand for real estate, government fiscal and trade policies, cybersecurity and general economic conditions. The Company undertakes no obligation to publicly release the results of any revisions to those forward-looking statements which may be made to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.

‎

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**<u>SIGNATURES</u>**

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

**NORWOOD FINANCIAL CORP**

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| | | |
|:---|:---|:---|
|  |  | **NORWOOD FINANCIAL CORP** |
| DATE: June 18, 2026 | By: | /s/ John M. McCaffery |
|  |  | John M. McCaffery |
|  |  | Executive Vice President and  |
|  |  | &nbsp;&nbsp;&nbsp;&nbsp;Chief Executive Officer |

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