Form 8-K

8-K — NORWOOD FINANCIAL CORP

Accession: 0001013272-26-000024

Filed: 2026-10-27

Period: 2026-10-27

CIK: 0001013272

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — nwfl-20261027x8k.htm (Primary)

EX-99.1 (nwfl-20261027xex99_1.htm)

EX-99.2 (nwfl-20261027xex99_2.htm)

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8-K

8-K (Primary)

Filename: nwfl-20261027x8k.htm · Sequence: 1

nwfl-20261027x8k

false000101327200010132722026-10-272026-10-27

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): October 27, 2026

_____________________________

NORWOOD FINANCIAL CORP

(Exact Name of Registrant as Specified in its Charter)

________________

Pennsylvania

0-28364

23-2828306

(State or Other Jurisdiction

‎of Incorporation)

(Commission File Number)

(I.R.S. Employer

‎Identification Number)

717 Main Street, Honesdale, Pennsylvania

18431

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s telephone number, including area code:(570) 253-1455

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):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

Title of class

Trading symbol(s)

Name of exchange on which registered

Common Stock, $0.10 par value

NWFL

The Nasdaq Stock Market

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. ☐

‎

Item 2.02 Results of Operations and Financial Condition

On October 27, 2026, Norwood Financial Corp (the “Company”), the holding company for Wayne Bank, issued a press release in which it announced its earnings for the quarter ended September 30, 2026.

A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

Item 7.01Regulation FD Disclosure

On October 27, 2026, the Company will host a call with respect to earnings for the quarter ended September 30, 2026 and will use and post an earnings presentation for the quarterly results of operations (the “Earnings Presentation”). This presentation will be used at Investor meetings throughout the quarter. The Earnings Presentation is included as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference.

The information included in this Current Report pursuant to this Item 7.01 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

Item 9.01Financial Statements and Exhibits

(d)Exhibits:

Exhibit No.

Description

99.1

Press Release, dated October 27, 2026.

99.2

Norwood Financial Corp Earnings Presentation for the Quarter Ended September 30, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document).

‎

SIGNATURES

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

DATE: October 27, 2026

By:

/s/ John M. McCaffery

John M. McCaffery

Executive Vice President and Chief Financial Officer

(Duly Authorized Representative)

EX-99.1

Filename: nwfl-20261027xex99_1.htm · Sequence: 2

Exhibit 991

FOR IMMEDIATE RELEASE

Norwood Financial Corp announces Third Quarter Financial Results

Quarterly Highlights:

Record net income of $11.8 million.

Record net interest income of $28.0 million.

Net interest margin 4.01%.

Diluted earnings per share of $1.08.

Total assets of $2.95 billion.

Disciplined execution across the enterprise plus contribution from Presence Bank acquisition contributed to the strong performance.

Honesdale, Pennsylvania – October 27, 2026 - Norwood Financial Corp (the “Company”) (Nasdaq Global Market-NWFL), the holding company of Wayne Bank, announced results for the three- and nine-month periods ended September 30, 2026.

Jim Donnelly, President and Chief Executive Officer, stated, “The entire Wayne Bank team continued to perform well in the third quarter, delivering record net income and net interest income for the second consecutive quarter. In addition to strong income growth, we navigated the bankruptcy related to a borrower relationship, resolving the issue with favorable outcome. Net interest margin expanded on disciplined balance sheet management and one-time benefit of the bankruptcy resolution. Our financial position is strong and believe we are poised to extend our performance for long-term shareholder value creation.”

Year-Over Year

Linked Quarter

Year-to-Date

(dollars in thousands, except per share data)

3 Months Ended

9 Months Ended

Sep-26

Sep-25

Change

Jun-26

Change

Sep-26

Sep-25

Change

Net interest income

$ 28,009

$ 20,458

$ 7,551

$ 26,839

$ 1,170

$ 79,402

$ 57,380

$ 22,022

Net interest spread (fte) 1

3.36%

2.94%

42 bps

3.27%

9 bps

3.23%

2.77%

46 bps

Net interest margin (fte) 1

4.01%

3.63%

38 bps

3.90%

11 bps

3.87%

3.46%

140 bps

Pre Provision Net Revenue (PPNR) 1

$ 15,377

$ 10,029

$ 5,348

$ 13,573

$ 1,804

$ 28,223

$ 24,346

$ 3,877

Net income

$ 11,763

$ 8,334

$ 3,429

$ 9,328

$ 2,435

$ 24,821

$ 20,313

$ 4,508

Diluted earnings per share

$ 1.08

$ 0.89

$ 0.19

$ 0.86

$ 0.22

$ 2.29

$ 2.22

$ 0.07

Return on average assets

1.60%

1.40%

20 bps

1.28%

32 bps

1.15%

1.16%

(1 bp)

Return on tangible equity

18.51%

16.76%

175 bps

15.04%

347 bps

13.25%

14.04%

(79 bps)

Excluding merger-related and 2026 BOLI Restructuring Fees (see Non-GAAP reconciliations)

Year-Over Year

Linked Quarter

Year-to-Date

(dollars in thousands, except per share data)

3 Months Ended

9 Months Ended

Sep-26

Sep-25

Change

Jun-26

Change

Sep-26

Sep-25

Change

Pre Provision Net Revenue (PPNR) 1

$ 15,377

$ 10,029

$ 5,348

$ 13,573

$ 1,804

$ 35,229

$ 24,346

$ 10,883

Net income

$ 11,763

$ 8,334

$ 3,429

$ 9,328

$ 2,435

$ 24,821

$ 20,313

$ 4,508

Diluted earnings per share

$ 1.08

$ 0.89

$ 0.19

$ 0.86

$ 0.22

$ 2.29

$ 2.22

$ 0.07

Return on average assets

1.60%

1.47%

13 bps

1.08%

52 bps

1.39%

1.20%

19 bps

Returnon average Tangible equity

18.51%

17.66%

85 bps

13.08%

543 bps

16.04%

14.54%

150 bps

Discussion of financial results for the three months ended September 30, 2026 (all comparisons are to third quarter 2025, unless otherwise noted):

Net income was $11.8 million, an increase of $3.4 million from $8.3 million. Diluted earnings per share were $1.08 compared to $0.89.

Net interest income was $28.0 million, an increase of $7.6 million from $20.5 million. On a linked-quarter basis, net interest income increased $1.2 million from $26.8 million.

Net interest margin (fully taxable equivalent) was 4.01% compared to 3.63%. On a linked-quarter basis, NIM increased 11 basis points from 3.90%.

Pre-provision net revenue (PPNR) was $15.4 million, compared to $10.0 million in the prior year quarter and $13.6 million in the linked quarter.

Total assets were $2.951 billion, compared to $2.412 billion, an increase of 18.3%.

Loans receivable were $2.294 billion compared to $1.815 billion, an increase of 20.9%.

Total deposits were $2.509 billion compared to $2.074 billion, an increase of 17.3%.

Tangible book value per share was $22.35 compared to $21.19 at September 30, 2025, and decreased $0.61 on a linked-quarter basis from $22.96.

Allowance for credit losses to total loans was 1.10%. Nonperforming loans to total loans were 0.73% and nonperforming assets to total assets were 0.59%.

Follow-up on Second Quarter Credit Event

During the second quarter of 2026, the Company recorded a $729 thousand charge-off related to a borrower relationship that filed for Chapter 11 bankruptcy protection.

During the third quarter, one of the loans that had been placed on non-accrual, due to the bankruptcy previously disclosed, was purchased by a new entity, as was the underlying business. All past due interest from the previous loan was paid. During the period that the business was in bankruptcy, Wayne Bank advanced debtor-in-possession (DIP) financing to keep the business operating. The DIP financing along with all interest and fees was settled as part of the loan purchase. Accordingly, interest income increased in the third quarter which, in turn, increased our margin during the quarter. Additionally, removing the previous loan from non-accrual status resulted in a lower provision expense for the quarter.

Following the purchase of this loan, there remain two loans related to the borrower with a total exposure of $7.1 million.

About Norwood Financial Corp

Norwood Financial Corp, through its subsidiary, Wayne Bank, operates 33 Community Offices serving Wayne, Pike, Monroe, Lackawanna, Luzerne, Chester, Cumberland, and Lancaster Counties in Pennsylvania, along with Delaware, Sullivan, Otsego, Ontario, and Yates Counties in New York. The Company has total assets of $2.9 billion. The Company’s stock is traded on the Nasdaq Global Market under the symbol “NWFL”. For more information, visit wayne.bank.

Forward-Looking Statements

In addition to historical information, this earnings release 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.

Non-GAAP Measures

In addition to presenting information in conformity with accounting principles generally accepted in the United States of America (GAAP), this news release contains financial information determined by methods other than GAAP (non-GAAP). The following measures used in this release, which are commonly utilized by financial institutions, have not been specifically exempted by the Securities and Exchange Commission ("SEC") and may constitute "non-GAAP financial measures" within the meaning of the SEC's rules.

The Company has provided in this news release supplemental disclosures for the calculation of Return on Average Assets, Return on Average Tangible Shareholders’ Equity, Basic Earnings per Share, Diluted Earnings per Share, Tangible Book Value and Pre Provision Net Revenue. Management believes that the non-GAAP financial measures disclosed by the Company from time to time are useful in evaluating the Company’s performance and that such information should be considered as supplemental in nature and not as a substitute for or superior to the related financial information prepared in accordance with GAAP. Our non-GAAP financial measures may differ from similar measures presented by other companies.

Contact: John M. McCaffery

Executive Vice President &

Chief Financial Officer

NORWOOD FINANCIAL CORP

272-304-3003

www.waynebank.com

NORWOOD FINANCIAL CORP

Consolidated Balance Sheets

(dollars in thousands, except share and per share data)

(unaudited)

September 30

2026

2025

ASSETS

Cash and due from banks

19,857

50,348

Interest-bearing deposits with banks

52,667

24,382

Cash and cash equivalents

72,524

74,730

Securities available for sale

429,492

403,989

Loans receivable

2,294,467

1,814,682

Less: Allowance for credit losses

25,146

19,911

Net loans receivable

2,269,321

1,794,771

Regulatory stock, at cost

8,460

6,163

Bank premises and equipment, net

25,140

22,292

Bank owned life insurance

62,738

45,821

Foreclosed real estate owned

771

—

Accrued interest receivable

10,609

8,686

Deferred tax assets, net

22,982

16,528

Goodwill

36,375

29,266

Other intangible assets

2,992

109

Other assets

10,153

9,596

TOTAL ASSETS

2,951,557

2,411,951

LIABILITIES

Deposits:

Non-interest bearing demand

487,753

424,027

Interest-bearing

2,021,227

1,649,941

Total deposits

2,508,980

2,073,968

Short-term borrowings

56,124

—

Other borrowings

62,728

72,071

Accrued interest payable

10,467

9,823

Other liabilities

29,897

21,184

TOTAL LIABILITIES

2,668,196

2,177,046

STOCKHOLDERS' EQUITY

Preferred Stock, no par value per share, authorized 5,000,000 shares

—

Common Stock, $.10 par value per share,

authorized: 20,000,000 shares,

issued: 2026: 11,184,631 shares, 2025: 9,491,558 shares

1,118

949

Surplus

174,650

127,190

Retained earnings

154,956

136,662

Treasury stock, at cost: 2026: 269,841 shares, 2025: 229,233 shares

(7,390)

(6,188)

Accumulated other comprehensive loss

(39,973)

(23,708)

TOTAL STOCKHOLDERS' EQUITY

283,361

234,905

TOTAL LIABILITIES AND

STOCKHOLDERS' EQUITY

2,951,557

2,411,951

****

NORWOOD FINANCIAL CORP

Consolidated Statements of Income

(dollars in thousands, except per share data)

(unaudited)

Three Months Ended September 30,

Nine Months Ended September 30,

2026

2025

2026

2025

INTEREST INCOME

Loans receivable, including fees

36,635

28,141

106,093

81,244

Securities

4,472

3,907

13,076

11,648

Other

354

144

1,132

590

Total Interest income

41,461

32,192

120,301

93,482

INTEREST EXPENSE

Deposits

12,775

10,730

38,462

32,347

Short-term borrowings

105

128

774

Other borrowings

640

899

2,309

2,981

Total Interest expense

13,452

11,734

40,899

36,102

NET INTEREST INCOME

28,009

20,458

79,402

57,380

PROVISION FOR (RELEASE OF) CREDIT LOSSES

100

(502)

3,503

1,305

NET INTEREST INCOME AFTER PROVISION FOR (RELEASE OF) CREDIT LOSSES

27,909

20,960

75,899

56,075

OTHER INCOME

Service charges and fees

2,004

1,660

5,425

4,687

Income from fiduciary activities

265

254

751

805

Gains on sales of loans, net

130

188

242

Earnings and proceeds on life insurance policies

334

268

974

820

Other

259

193

824

551

Total other income

2,920

2,505

8,162

7,105

OTHER EXPENSES

Salaries and employee benefits

8,274

6,696

25,497

19,773

Occupancy, furniture and equipment

1,521

1,361

4,815

4,088

Data processing and related operations

1,650

1,087

4,660

3,361

Taxes, other than income

145

192

521

577

Professional fees

530

400

1,952

1,532

FDIC Insurance assessment

639

368

1,574

1,129

Foreclosed real estate

125

143

Amortization of intangibles

162

493

Merger

—

568

4,994

718

Other

2,573

2,249

7,704

6,166

Total other expenses

15,552

12,934

52,335

37,529

INCOME BEFORE TAX EXPENSE

15,277

10,531

31,726

25,651

INCOME TAX EXPENSE

3,514

2,197

6,905

5,338

NET INCOME

11,763

8,334

24,821

20,313

Basic earnings per share

1.08

0.89

2.22

Diluted earnings per share

1.08

0.89

2.22

NORWOOD FINANCIAL CORP

NET INTEREST MARGIN ANALYSIS

(dollars in thousands)

For the Quarter Ended

September 30, 2026

June 30, 2026

September 30, 2025

Average

Balance

Interest

Rate

Balance

Interest

Rate

Balance

Interest

Rate

(2)

(1)

(3)

(2)

(1)

(3)

(2)

(1)

(3)

Assets

Interest-earning assets:

Fed funds sold

—

1,511

3.72

—

Interest-bearing deposits with banks

39,717

354

3.54

43,467

364

3.36

12,485

144

4.58

Securities available for sale:

Taxable

439,064

4,224

3.82

435,004

4,246

3.92

399,090

3,661

3.64

Tax-exempt (1)

43,956

322

2.91

44,269

315

2.85

44,074

312

2.81

Total securities available for sale (1)

483,020

4,546

3.73

479,273

4,561

3.82

443,164

3,973

3.56

Loans receivable (1) (4) (5)

2,267,664

36,760

6.43

2,253,991

35,700

6.35

1,802,046

28,267

6.22

Total interest-earning assets

2,790,416

41,660

5.92

2,778,242

40,639

5.87

2,257,695

32,384

5.69

Non-interest earning assets:

Cash and due from banks

19,466

30,147

31,050

Allowance for credit losses

(26,101)

(24,556)

(21,128)

Other assets

125,818

129,320

96,142

Total non-interest earning assets

119,183

134,911

106,064

Total Assets

2,909,599

2,913,153

2,363,759

Liabilities and Stockholders' Equity

Interest-bearing liabilities:

Interest-bearing demand and money market

741,251

3,519

1.88

727,580

3,460

1.91

579,145

2,900

1.99

Savings

230,456

268

0.46

231,852

200

0.35

200,559

113

0.22

Time

1,045,893

8,989

3.41

1,071,210

9,239

3.46

822,491

7,717

3.72

Total interest-bearing deposits

2,017,600

12,776

2.51

2,030,642

12,899

2.55

1,602,195

10,730

2.66

Short-term borrowings

3,540

4.03

3,233

3.97

8,740

105

4.77

Other borrowings

63,901

640

3.97

67,802

687

4.06

81,125

899

4.40

Total interest-bearing liabilities

2,085,041

13,452

2.56

2,101,677

13,618

2.60

1,692,060

11,734

2.75

Non-interest bearing liabilities:

Demand deposits

494,690

486,557

416,150

Other liabilities

38,244

36,585

28,816

Total non-interest bearing liabilities

532,934

523,142

444,966

Stockholders' equity

291,624

288,334

226,733

Total Liabilities and Stockholders' Equity

2,909,599

2,913,153

2,363,759

Net interest income/spread (tax equivalent basis)

28,208

3.36

27,021

3.27

20,650

2.94

Tax-equivalent basis adjustment

(199)

(182)

(192)

Net interest income

28,009

26,839

20,458

Net interest margin (tax equivalent basis)

4.01

3.90

3.63

(1) Interest and yields are presented on a tax-equivalent basis.

(2) Average balances have been calculated based on daily balances.

(3) Annualized

(4) Loan balances include non-accrual loans and are net of unearned income.

(5) Loan yields include the effect of amortization of deferred fees, net of costs.

NORWOOD FINANCIAL CORP

NET INTEREST MARGIN ANALYSIS

(dollars in thousands)

Year to Date

September 30, 2026

June 30, 2026

September 30, 2025

Average

Balance

Interest

Rate

Balance

Interest

Rate

Balance

Interest

Rate

(2)

(1)

(3)

(2)

(1)

(3)

(2)

(1)

(3)

Assets

Interest-earning assets:

Fed funds sold

818

4.09

1,226

4.11

—

Interest-bearing deposits with banks

51,908

1,107

2.85

58,074

753

2.61

17,427

590

4.53

Securities available for sale:

Taxable

429,970

12,328

3.83

425,350

8,104

3.84

403,947

10,907

3.61

Tax-exempt (1)

44,285

955

2.88

44,451

633

2.87

44,157

938

2.84

Total securities available for sale (1)

474,255

13,283

3.74

469,801

8,737

3.75

448,104

11,845

3.53

Loans receivable (1) (4) (5)

2,239,147

106,460

6.36

2,224,699

69,700

6.32

1,776,629

81,636

6.14

Total interest-earning assets

2,766,128

120,875

5.84

2,753,800

79,215

5.80

2,242,160

94,071

5.61

Non-interest earning assets:

Cash and due from banks

26,719

30,409

30,035

Allowance for credit losses

(24,691)

(23,976)

(20,675)

Other assets

128,943

130,526

94,389

Total non-interest earning assets

130,971

136,959

103,749

Total Assets

2,897,099

2,890,759

2,345,909

Liabilities and Stockholders' Equity

Interest-bearing liabilities:

Interest-bearing demand and money market

730,956

10,441

1.91

725,787

6,922

1.92

566,762

8,588

2.03

Savings

227,101

605

0.36

225,380

337

0.30

205,552

374

0.24

Time

1,052,670

27,416

3.48

1,056,053

18,427

3.52

812,778

23,385

3.85

Total interest-bearing deposits

2,010,727

38,462

2.56

2,007,220

25,686

2.58

1,585,092

32,347

2.73

Short-term borrowings

4,337

128

3.95

4,782

3.88

23,468

774

4.41

Other borrowings

75,503

2,309

4.09

81,395

1,669

4.13

90,110

2,981

4.42

Total interest-bearing liabilities

2,090,567

40,899

2.62

2,093,397

27,447

2.64

1,698,670

36,102

2.84

Non-interest bearing liabilities:

Demand deposits

479,931

472,412

395,470

Other liabilities

36,680

35,886

28,978

Total non-interest bearing liabilities

516,611

508,298

424,448

Stockholders' equity

289,921

289,064

222,791

Total Liabilities and Stockholders' Equity

2,897,099

2,890,759

2,345,909

Net interest income/spread (tax equivalent basis)

79,976

3.23

51,768

3.16

57,969

2.77

Tax-equivalent basis adjustment

(574)

(375)

(589)

Net interest income

79,402

51,393

57,380

Net interest margin (tax equivalent basis)

3.87

3.79

3.46

(1) Interest and yields are presented on a tax-equivalent basis.

(2) Average balances have been calculated based on daily balances.

(3) Annualized

(4) Loan balances include non-accrual loans and are net of unearned income.

(5) Loan yields include the effect of amortization of deferred fees, net of costs.

NORWOOD FINANCIAL CORP

Financial Highlights (Unaudited)

(dollars in thousands, except per share data)

For the Three Months Ended September 30

2026

2025

Net interest income

28,009

20,458

Net income

11,763

8,334

Net interest spread (fully taxable equivalent)

3.36%

2.94%

Net interest margin (fully taxable equivalent)

4.01%

3.63%

Return on average assets

1.60%

1.40%

Return on average equity

16.00%

14.58%

Return on average tangible equity

18.51%

16.76%

Basic earnings per share

1.08

0.89

Diluted earnings per share

1.08

0.89

Efficiency ratio

50.28%

56.33%

Operating expense/Average assets

2.14%

2.19%

For the Nine Months Ended September 30

2026

2025

Net interest income

79,402

57,380

Net income

24,821

20,313

Net interest spread (fully taxable equivalent)

3.23%

2.77%

Net interest margin (fully taxable equivalent)

3.87%

3.46%

Return on average assets

1.15%

1.16%

Return on average equity

11.45%

12.19%

Return on average tangible equity

13.25%

14.04%

Basic earnings per share

2.29

2.22

Diluted earnings per share

2.29

2.22

Efficiency ratio

59.77%

58.20%

Operating expense/Average assets

2.41%

2.13%

As of September 30

2026

2025

Total assets

2,951,557

2,411,951

Total loans receivable

2,294,467

1,814,682

Allowance for credit losses

25,146

19,911

Total deposits

2,508,980

2,073,968

Stockholders' equity

283,361

234,905

Trust assets under management

231,302

211,563

Book value per share

25.96

25.36

Tangible book value per share

22.35

22.19

Equity to total assets

9.60%

9.74%

Allowance to total loans receivable

1.10%

Nonperforming loans to total loans

0.73%

0.36%

Nonperforming assets to total assets

0.59%

0.31%

NORWOOD FINANCIAL CORP

Consolidated Balance Sheets (unaudited)

(dollars in thousands)

September 30

June 30

March 31

December 31

September 30

2026

2025

ASSETS

Cash and due from banks

19,857

30,902

25,480

32,118

50,348

Interest-bearing deposits with banks

52,667

29,387

75,258

12,318

24,382

Fed funds sold

—

1,835

—

Cash and cash equivalents

72,524

60,289

102,573

44,436

74,730

Securities available for sale

429,492

438,967

431,204

408,782

403,989

Loans receivable

2,294,467

2,262,813

2,238,657

1,853,422

1,814,682

Less: Allowance for credit losses

25,146

25,632

24,350

19,882

19,911

Net loans receivable

2,269,321

2,237,181

2,214,307

1,833,540

1,794,771

Regulatory stock, at cost

8,460

6,399

7,161

6,623

6,163

Bank owned life insurance

62,738

55,404

55,078

46,089

45,821

Bank premises and equipment, net

25,140

25,262

25,299

22,971

22,292

Foreclosed real estate owned

771

—

Goodwill and other intangibles

39,367

39,528

39,693

29,364

29,375

Other assets

43,744

44,113

41,168

32,266

34,810

TOTAL ASSETS

2,951,557

2,907,914

2,917,254

2,424,842

2,411,951

LIABILITIES

Deposits:

Non-interest bearing demand

487,753

500,383

470,706

419,597

424,027

Interest-bearing deposits

2,021,227

2,013,914

2,035,992

1,659,048

1,649,941

Total deposits

2,508,980

2,514,297

2,506,698

2,078,645

2,073,968

Borrowings

118,852

65,513

88,268

74,133

72,071

Other liabilities

40,364

38,464

38,350

29,907

31,007

TOTAL LIABILITIES

2,668,196

2,618,274

2,633,316

2,182,685

2,177,046

STOCKHOLDERS' EQUITY

283,361

289,640

283,938

242,157

234,905

TOTAL LIABILITIES AND

STOCKHOLDERS' EQUITY

2,951,557

2,907,914

2,917,254

2,424,842

2,411,951

NORWOOD FINANCIAL CORP

Consolidated Statements of Income (unaudited)

(dollars in thousands, except per share data)

September 30

June 30

March 31

December 31

September 30

Three months ended

2026

2025

INTEREST INCOME

Loans receivable, including fees

36,635

35,585

33,873

28,666

28,141

Securities

4,472

4,495

4,110

3,906

3,907

Other

354

377

400

474

144

Total interest income

41,461

40,457

38,383

33,046

32,192

INTEREST EXPENSE

Deposits

12,775

12,899

12,787

11,334

10,730

Borrowings

677

719

1,042

768

1,004

Total interest expense

13,452

13,618

13,829

12,102

11,734

NET INTEREST INCOME

28,009

26,839

24,554

20,944

20,458

PROVISION FOR (RELEASE OF) CREDIT LOSSES

100

1,944

1,459

468

(502)

NET INTEREST INCOME AFTER (RELEASE OF) PROVISION

FOR CREDIT LOSSES

27,909

24,895

23,095

20,476

20,960

OTHER INCOME

Service charges and fees

2,004

1,666

1,755

1,734

1,660

Income from fiduciary activities

265

248

238

228

254

Net realized (losses) gains on sales of securities

—

Gains on sales of loans, net

130

Gains on sales of foreclosed real estate owned

—

Earnings and proceeds on life insurance policies

334

326

314

268

Other

259

232

332

198

193

Total other income

2,920

2,526

2,715

2,511

2,505

OTHER EXPENSES

Salaries and employee benefits

8,274

8,674

8,549

7,155

6,696

Occupancy, furniture and equipment, net

1,521

1,569

1,725

1,390

1,361

Foreclosed real estate

—

FDIC insurance assessment

639

428

507

423

368

Other

5,060

5,090

10,173

4,651

4,508

Total other expenses

15,552

15,792

20,990

13,619

12,934

INCOME BEFORE TAX (BENEFIT) EXPENSE

15,277

11,629

4,820

9,368

10,531

INCOME TAX (BENEFIT) EXPENSE

3,514

2,301

1,090

1,926

2,197

NET (LOSS) INCOME

11,763

9,328

3,730

7,442

8,334

Basic (loss) earnings per share

1.08

0.35

0.81

0.89

Diluted (loss) earnings per share

1.08

0.35

0.81

0.89

Book Value per share

25.96

26.07

26.06

25.36

Tangible Book Value per share

22.35

22.43

22.90

22.19

Return on average assets (annualized)

1.60%

0.53%

1.21%

1.40%

Return on average equity (annualized)

16.00%

5.22%

12.30%

14.58%

Return on average tangible equity (annualized)

18.51%

6.04%

14.01%

16.76%

Net interest spread (fte)

3.36%

3.04%

2.93%

2.94%

Net interest margin (fte)

4.01%

3.68%

3.60%

3.63%

Allowance for credit losses to total loans

1.10%

1.09%

1.07%

1.10%

Net charge-offs to average loans (annualized)

0.13%

0.09%

0.13%

Nonperforming loans to total loans

0.73%

0.46%

0.34%

0.36%

Nonperforming assets to total assets

0.59%

0.38%

0.29%

0.31%

Nonperforming loans to total assets

0.57%

0.35%

0.26%

0.27%

Loan Loss Reserve/NPAs

143.33%

219.93%

279.62%

270.50%

NORWOOD FINANCIAL CORP

NON-GAAP ADJUSTMENTS

(dollars in thousands)

Adjusted Return on Average Assets

(Dollars in thousands)

Nine Months

Three Months

Nine Months

Three Months

Ended

September 30,

June 30,

September 30,

2026

2025

Net income

24,821

11,763

9,328

20,313

8,334

Average assets

2,897,099

2,909,599

2,913,153

2,345,909

2,363,759

Return on average assets (annualized)

1.15

1.60

1.28

1.16

1.40

Net income

24,821

11,763

9,328

20,313

8,334

Merger-related expenses

4,994

—

718

568

Boli restructuring fee

225

—

Tax effect

—

Adjusted net income (Non-GAAP)

30,040

11,763

9,381

21,031

8,902

Average assets

2,897,099

2,909,599

2,913,153

2,345,909

2,363,759

Adjusted return on average assets (annualized)

(Non-GAAP)

1.39

1.60

1.29

1.20

1.49

Adjusted Return on Average Tangible Shareholders' Equity

(Dollars in thousands)

Nine Months

Three Months

Nine Months

Three Months

Ended

September 30,

June 30,

September 30,

2026

2025

Net income

24,821

11,763

9,328

20,313

8,334

Average shareholders' equity

289,921

291,624

288,334

222,791

226,733

Average intangible assets

39,466

39,455

39,609

29,394

29,380

Average tangible shareholders' equity

250,455

252,169

248,725

193,397

197,353

Return on average tangible shareholders' equity (annualized)

13.25

18.51

15.04

14.04

16.76

Net income

24,821

11,763

9,328

20,313

8,334

Merger-related expenses

4,994

—

718

568

Boli restructuring fee

225

—

Tax effect

—

Adjusted net income (Non-GAAP)

30,040

11,763

9,381

21,031

8,902

Average tangible shareholders' equity

250,455

252,169

248,725

193,397

197,353

Adjusted return on average shareholders' equity (annualized)

(Non-GAAP)

16.04

18.51

15.13

14.54

17.90

Adjusted Earnings Per Share

(Dollars in thousands)

Nine Months

Three Months

Nine Months

Three Months

Ended

September 30,

June 30,

September 30,

2026

2025

GAAP-Based Earnings Per Share, Basic

2.29

1.08

0.86

2.22

0.89

GAAP-Based Earnings Per Share, Diluted

2.29

1.08

0.86

2.22

0.89

Net income

24,821

11,763

9,328

20,313

8,334

Merger-related expenses

4,994

—

718

568

Boli restructuring fee

225

—

Tax effect

—

Adjusted net income (Non-GAAP)

30,040

11,763

9,381

21,031

8,902

Adjusted Earnings per Share, Basic (Non-GAAP)

2.67

1.08

0.86

2.28

0.94

Adjusted Earnings per Share, Diluted (Non-GAAP)

2.67

1.08

0.86

2.28

0.94

Pre Provision Net Revenue

(Dollars in thousands)

Nine Months

Three Months

Nine Months

Three Months

Ended

September 30,

June 30,

September 30,

2026

2025

Income before tax expense (GAAP)

31,726

15,277

11,629

25,651

10,531

Provision for credit losses

3,503

100

1,944

1,305

(502)

Pre provision net revenue (PPNR) (Non-GAAP)

35,229

15,377

13,573

26,956

10,029

Merger-related expenses

4,994

—

718

568

BOLI restructuring fee

225

—

PPNR adjusted for one time expenses (Non-GAAP)

40,448

15,377

13,626

27,674

10,597

Net Interest Income FTE

(Dollars in thousands)

Nine Months

Three Months

Nine Months

Three Months

Ended

September 30,

June 30,

September 30,

2026

2025

Net interest income

79,402

28,009

26,839

57,380

20,458

Tax effect at 21%

574

199

182

589

192

Net interest income on a fully taxable equivalent basis

79,976

28,208

27,021

57,969

20,650

Average Tangible Shareholders' Equity

(Dollars in thousands)

Nine Months

Three Months

Nine Months

Three Months

Ended

September 30,

June 30,

September 30,

2026

2025

Average shareholders' equity

289,921

291,624

288,334

222,791

226,733

Average intangible assets

(39,466)

(39,455)

(39,609)

(29,394)

(29,380)

EX-99.2

Filename: nwfl-20261027xex99_2.htm · Sequence: 3

Exhibit 992

Exhibit 99.2

Q3 2026 Investor Presentation Community Bank Making Every Day Better™ OCTOBER 27, 2026

Forward-looking statements and additional information This presentation contains forward-looking statements within the meaning of the federal securities laws that are made by Norwood Financial Corp (“Norwood”). All statements other than statements of historical fact are statements that could be deemed forward-looking statements, including all statements regarding the intent, belief or current expectations of Norwood and members of its board of directors and senior management teams. Investors and security holders are cautioned that such statements are predictions, and are not guarantees of future performance. Actual events or results may differ materially. Expected financial results or other plans are subject to a number of known and unknown risks, uncertainties and assumptions that are difficult to assess and are subject to change based on factors which are, in many instances, beyond Norwood’s control. Additional risks and uncertainties may include, but are not limited to, the risk that expected cost savings, revenue synergies and other financial benefits from the recently completed merger with PB Bankshares, Inc. (“PB Bankshares”) may not be realized or take longer than expected to realize; the merger may be more expensive to complete than anticipated, including as a result of unexpected factors or events; the integration of PB Bankshares’ business and operations with those of Norwood may take longer than anticipated, may be more costly than anticipated and may have unanticipated adverse results relating to Norwood’s existing businesses; the anticipated cost savings and other synergies of the merger may take longer to be realized or may not be achieved in their entirety, and attrition in key client, partner and other relationships relating to the merger may be greater than expected; the ability to achieve anticipated merger-related operational efficiencies; the ability to enhance revenue through increased market penetration, expanded lending capacity and product offerings; changes in monetary and fiscal policies of the Federal Reserve Board and the U. S. Government, particularly related to changes in interest rates; changes in general economic conditions, especially the effects of current fluctuations in tariff policies, impacts of workforce deportations, the proliferation of legal actions challenging government policies, and substantial reductions in force of government and non-government organization employees, all of which may put pressure on supply chains and exacerbate market volatility; occurrence of natural or man-made disasters or calamities, including health emergencies, the spread of infectious diseases, pandemics or outbreaks of hostilities, or the effects of climate change, and the ability of Norwood and its customers to deal effectively with disruptions caused by the foregoing; legislative or regulatory changes; downturn in demand for loan, deposit and other financial services in our market area; increased competition from other banks and non-bank providers of financial services; technological changes and increased technology-related costs; and changes in accounting principles, or the application of generally accepted accounting principles. Due to these and other possible uncertainties and risks, Norwood can give no assurance that the results contemplated in the forward-looking statements will be realized, and readers are cautioned not to place undue reliance on the forward-looking statements contained in this presentation. Forward-looking statements are based on information currently available to Norwood, and Norwood assumes no obligation and disclaim any intent to update any such forward-looking statements. All forward-looking statements, express or implied, included in the presentation are qualified in their entirety by this cautionary statement. NON-GAAP FINANCIAL MEASURES In addition to results presented in accordance with GAAP, this presentation includes certain non-GAAP financial measures. Norwood believes these non-GAAP financial measures provide additional information that is useful to investors in helping to understand underlying financial performance and condition and trends of Norwood. Non-GAAP financial measures have inherent limitations. Readers should be aware of these limitations and should be cautious with respect to the use of such measures. To compensate for these limitations, non-GAAP measures are used as comparative tools, together with GAAP measures, to assist in the evaluation of operating performance or financial condition. These measures are also calculated using the appropriate GAAP or regulatory components in their entirety and are computed in a manner intended to facilitate consistent period-to-period comparisons. Norwood’s method of calculating these non-GAAP measures may differ from methods used by other companies. These non-GAAP measures should not be considered in isolation or as a substitute or an alternative for those financial measures prepared in accordance with GAAP or in-effect regulatory requirements. Numbers in this presentation may not sum due to rounding. Where non-GAAP financial measures are used, the most directly comparable GAAP or regulatory financial measure, as well as the reconciliation to the most directly comparable GAAP or regulatory financial measure, can be found in this presentation. NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 2

Key messages 1 Reinforcing strengths and growth trajectory of a regional bank with a rich history of serving communities since 1871 2 Creating a high-performance culture that consistently delivers improving results and increasing returns 3 Executing a disciplined strategy to achieve 6%+ growth through market outperformance and strategic M&A 4 Combining improved returns and disciplined capital allocation to create shareholder value NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 3

Growing and fortifying the Norwood franchise Adding branch locations to GROW our geographic footprint Honesdale Milford Stroudsburg Oneonta Scranton Cooperstown New Branches Since 2025 From a strong foundation, we continue to FORTIFY our financial position NWFL NASDAQ Honesdale, PA Headquarters 1871 Founded 315 Employees CAGR 2020 TO Q3 2026 Total assets 8% Net interest income 13% Net income 17% Scan QR Code to See Wayne Bank Corporate Overview NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL 4

Driving consistent execution across the organization to profitably growand create shareholder value Positioning the Bank for our next era of growth Structurally improved our franchise Repositioned our portfolio Strengthened and deepened our leadership bench Expanded and modernized our customer experience Continued to add quality organizations through strategic M&A Updated our brand to reflect our vision for the future: Every Day Better™ Strategically accelerating our growth trajectory Aligning with regions and markets that have durable growth fundamentals Partnering with small businesses to enable and grow with their success Maintaining robust financial position with broad asset exposure and disciplined underwriting culture Using our balance sheet to augment organic growth with strategic M&A Creating a culture that reliably delivers high-return growth NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 5

Executing a disciplined growth strategy to achieve financial targets Leveraging our strengths to create value Organic growth Serving markets and regions that are growing Aim to outgrow underlying markets by partnering with regional small businesses and expanding with them Increasing and broadening sources of noninterest income Strategic M&A Build on successful track record Leverage strong balance sheet Geographic-adjacent expansion Be the acquisition partner of choice Strong execution Maintain diversified portfolio to minimize concentration risk Disciplined underwriting culture to sustain high credit quality Financial discipline to manage and optimize balance sheet exposures Value creation Generate 6%+ asset growth Drive double-digit returns Targeting +$5B in assets (+67% from current level) Loans to deposits greater than 90% Committed to a healthy and growing dividend Following a defined path to shareholder value creation NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL 2026 INVESTOR PRESENTATION 6

Disciplined, opportunistic growth strategy ~ 12% CAGR $0.2 $0.4 $0.5 $0.5 $0.5 $0.5 $0.7 $0.7 $0.7 $0.8 $0.7 $1.1 $1.2 $1.2 $1.4 $2.1 $2.0 $2.2 $2.3 $2.4 $3.0 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026 NWFL Assets ($B) Acquired Assets ($B) A history of organic GROWTH and successful ACQUISITIONS NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL 7

Clear focus on regions with healthy small businesses environment Community bank targeting opportunity-rich regions Small cities in rural and suburban settings Growing metro areas that have high credit quality Northeast PA Central PA Southern Tier NY Finger Lakes NY Stable growth Mixes towards higher growth Stable growth Stable growth Key Industries: • Agribusiness / Food & Beverage Manufacturing • Plastics Manufacturing • Advanced Manufacturing Key Industries: • Advanced Manufacturing • Agriculture and Food Manufacturing • Healthcare Key Industries: • Homeland and Cybersecurity • Cleantech and Renewable Energy • Distribution • Agribusiness Key Industries: • Optics, Photonics and Imaging • Biotech and Life Sciences • Agribusiness • Software and Digital Media Serving communities that best fit our competitive differentiators NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 8

PLACEHOLDER: Additional Information on Regions Northeast PA Central PA Catskills Region NY Finger Lakes NY Population 1,035,8921 2,574,6221 356,3092 1,215,0003 Median Household Income $70,5031 $76,2891 78,9722 $73,8003 Unemployed 4.6%9 3.19%1 5.5%2 4.1%8 • Northeastern PA Ranks 6th in the Nation for Economic Development4 • #18 Workforce-Ready Top U.S. Metros (Scranton/Wilkes-Barre MSA) in 20255 • 5,285 Manufacturing Establishments in 20256 • Harrisburg Named 3rd Best City on the Rise in 20257 • 9,000+ Agricultural Establishments6 • 14% of the working population run their own businesses2 • Tourism to region generating approximately 17,995 jobs in the Catskills in 2024—15.4% of all jobs within the region10 • Gross Regional Product (GRP) increased greater than 7.6% annually between 2019 and 20243 1 https://dced.pa.gov/pennsylvania/?reportname=demographics . 2https://www.point2homes.com/US/Neighborhood/NY/Catskills-Region-Demographics.html#income 3https://regionalcouncils.ny.gov/sites/default/files/2025-11/Finger%20Lakes%20REDC%20Annual%20Report%20and%20ACHIEVE%20Submission%202025_0.pdf. 4https://pennsnortheast.com/news/article/northeastern-pa-ranks-6th-in-the-nation-for-economic-development. 5https://www.commercialsearch.com/blog/best-metros-for-industrial-workforce-in-us/. 6https://lightcast.io/products/data/overview. 7https://www.parealtors.org/blog/harrisburg-named-third-best-city-on-the-rise/. 8https://dol.ny.gov/system/files/documents/2026/09/finger-lakes.pdf. 9 https://fred.stlouisfed.org/series/SCRA542UR 10 https://www.iloveny.com/thebeat/post/new-data-from-tourism-economics-reflects-tourism-thriving-in-the-sullivan-catskills/ * All data based on website information as of October 2026 Community bank targeting opportunity-rich regions NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 9

Our distinctives give us competitive advantages We have COMPETITIVE DIFFERENTIATORS that position us to win in our markets Strong local ties provide consistent and sound growth opportunities Granular loan and deposit portfolio tied to our community Attractive financial profile enhanced by recent repositioning Disciplined underwriting culture Experienced and aligned leadership focused on delivering shareholder return Well-positioned to take advantage of market dislocation and M&A opportunities Enhancing our ability to deliver profitable growth NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL 10

Management team building on legacy to create shareholder value James O. Donnelly Janak Amin John McCaffery Vincent G. O’Bell John F. Carmody President and Chief Executive Officer Executive Vice President and Chief Operating Officer Executive Vice President and Chief Financial Officer Executive Vice President and Chief Lending Officer Executive Vice President and Chief Credit Officer Steven Daniels Ryan J. French Tracie A. Young Larry Witt Douglas Byers Executive Vice President and Chief Consumer Banking Officer Executive Vice President and Chief Human Resources Officer Executive Vice President and Chief Risk Officer Executive Vice President and Chief Information Officer Executive Vice President and Market Executive Joseph Adams Joseph Mahon Mike Rollison Diane M. Wylam Kristen Lancia Senior Vice President and Director of Wealth Management and Investor Services Executive Vice President and Market Executive Senior Vice President and Commercial Loan Team Leader Senior Vice President and Senior Trust Officer Vice President and Marketing Manager Combined management team and Board of Directors represent 8.1% ownership* *Per 2025 proxy NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 11

Executing a clear strategy to accelerate asset growth Focus on small business lending, granular relationships, and diverse industry exposure 1 Organic growth as we serve and win with the small businesses in our communities 2 Disciplined underwriting process to ensure highest credit quality 3 Maintain loans-to-deposits near 90% target +9% CAGR +9% CAGR +9% CAGR 1411 2294 1535 2509 1852 2952 Total Loans ($M) Total Deposits ($M) Total Assets ($M) 2020 Q3 2026 Achieving balanced growth as we execute our growth initiatives NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 12

Upgrading the customer experience to support growth initiatives Growing deposits as we enable customer engagement Modernizing our branches to provide the communities we serve with innovative banking technologies and tools Forty Fort grand opening and Presence Bank acquisition added five new branches in 2025 Expanding access to modern technologies Promotes customer engagement to support home ownership, small business developments, and commercial development Digital banking services Mobile banking for 24/7 access to advanced features Enhanced online account opening platform Easier, online mortgage application Creating stable foundation for long-term income NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 13

Growing noninterest income to enhance earnings quality Provides diverse, stable income stream Growing noninterest income more quickly than interest income Improve debit card utilization Building out mortgage franchise Upscale wealth management / trust department Leverage strength of franchise to drive growth across the organization Noninterst income ($K) +6% CAGR 7,780 10,672 2020 Q3 2026 LTM Fees Fiduciary Loans Life Insurance Other Delivering Results: Improving Debit Card Utilization Deposit growth provides opportunity to extend our service offerings Strategic initiative to increase retail business and grow debit card fees We have designed our policies to place more debit cards in customers’ hands Debit card fees ($K) +9% CAGR 1,656 2,680 2020 Q3 2026 LTM NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 14

Capital allocation framework to extend shareholder value creation Investing in growth Funding organic growth Above well-capitalized risk-based ratios Total capital: 13.396% Tier 1: 12.29% CET1: 12.29% Disciplined underwriting culture Expanding through strategic M&A Geographic adjacent Targeting banks with strong execution, aligned cultures, and disciplined financial management Returning cash to shareholders Supporting and growing the dividend 34 years of increasing dividend Attractive dividend yield 3.7% Maintain healthy and growing dividend Repurchasing shares opportunistically Repurchased $4.2M over last 3 years Adopted program in August 2026 to repurchase up to ~5% of outstanding shares Employing balanced approach to maximize shareholder value NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 15

Building on history of generating total shareholder return Proactively repositioned investment portfolio to perform well in current and future interest rate environment Strong track record of growing assets organically and through strategic M&A Financial discipline to grow income and improve returns Attractive dividend yield as we return cash to shareholders Total Shareholder Return As of 9/30/2026 63.1% 27.9% 35.9% 13.4% 5 Yer TSR 1 Year TSR NWFL KBW Nasdaq Regional Banking Index Executing strategy to extend TSR outperformance into the future NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 16

M&A CASE STUDY Presence Bank as an example of our successful M&A track record ANNOUNCED Jul 7, 2025 COMPLETED Jan 5, 2026 Presence Bank: a growing and respected bank located in attractive Pennsylvania markets Strategic fit Shared values, culture, and commitment to high quality customer service Geographic-adjacent expansion into growing metro areas Well run bank with high credit quality and strong execution Combination makes both banks stronger Expands NWFL’s geographic footprint into attractive Central PA markets Enhances PB’s customer services and solutions offerings NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 17

SUMMARY Leveraging our distinctives to create shareholder value 1 2 3 4 Reinforcing strengths and growth trajectory of a regional bank with a rich history of serving communities since 1871 Creating a high-performance culture that consistently delivers improving results and increasing returns Executing a disciplined strategy to achieve 6%+ growth through market outperformance and strategic M&A Combining improved returns and disciplined capital allocation to create shareholder valuer NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 18

APPENDIX Q3 2026 INVESTOR PRESENTATION 19

QUARTERLY RESULTS Q3 2026 INVESTOR PRESENTATION 20

Q3 2026 summary Selected financial highlights (all comps Y/Y) $28.0M Net Interest Income +37% 3.36% Net Interest Spread (fte) 1 +42 bps 4.01% Net Interest Margin (fte) 1 +38 bps $15.4M Adjusted Pre Provision Net Revenue1 +45% $11.8M Adjusted Net Income1 +34% $1.08 Adjusted Diluted EPS1 +15% 1.60% Adjusted Return on Average Assets1 +13 bps 18.51% Adjusted Return on Tangible Equity1 +85 bps 1 See appendix for Non-GAAP reconciliation Key messages 1 Another strong performance in Q3, achieving record net interest income and record net income, as the team executes well and extends the momentum we are building towards a brighter future 2 Grew assets to $3.0B and maintained strong financial position while navigating customer bankruptcy; rebooked debt with past due interest benefitting income and margin 3 Poised for growth post-integration, as combined organization is even better positioned serve communities 4 Continuing to build momentum in 2026, through strategic priorities to create a stronger organization with ingrained high-performance culture NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 21

Making progress on our 2026 strategic priorities Focused on actions that will create value and build momentum Successfully complete Presence Bank integration • Completed key integration activity, including core system conversion and brand convergence • Ongoing dialogue to share best practices as we continue to standardize on operations and customer engagement Increase operating efficiency and elevate the customer experience through AI • Implemented PB commercial system to drive efficiency, manage risk, and empower employees to do more • Utilize AI embedded in PB processes across the organization as part of integration • Creating 3-year plan to assess AI implementation and pursue highest value opportunities Strengthen our talent pool and deepen our leadership bench • Invest in our people to empower them to serve our communities • Cascade strategic priorities throughout organization • Stephanie Abraham joined as SVP and Commercial Team Leader • Promoted Kyle Liner and John Veleber to Commercial Team Leader • Expanded role of Joseph J. Mahon, EVP and Market Executive, to include Greater Scranton Increase shareholder value • Executing a clear growth strategy, including organic growth and strategic M&A, along with strong execution to achieve financial targets and deliver increasing shareholder value • Delivered strong Q3 results on strong financial position and performance of our entire team • Grew asset base through increasing deposits, investment decisions, and strategic M&A • Enhance shareholder returns through a reliable and growing dividend NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 22

Improving financial performance and positioning for continued growth Adjusted earnings per share 1 $0.94 $0.69 $1.08 Q3 2025 Q2 2026 Q3 2026 Tangible book value per share $22.19 $22.96 $22.35 Q3 2025 Q2 2026 Q3 2026 EPS improved on record net income due to record net interest income and growth in other income, partially offset by higher expenses due to the acquisition TBV per share decreased from Q2 on decline in Other Comprehensive Income as rise in interest rates depressed market value of Available-for-Sale portfolio Repositioned portfolio and Presence Bank acquisition continued to further strengthen our financial position and provides us with a larger organization to scale as we serve our communities 1 See appendix for Non-GAAP reconciliation NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 23

Loan portfolio overview Small business lending, granular relationships and limited industry concentration Loan portfolio by category 1-4 Family 14% C&I 11% Const & Land 5% Consumer 1% CRE 49% Home Eq 4% Indirect 16% Total $2.3B $99K Average Loan Size $333K Average Commercial Loan Size 11% Adjustable, 44% Floating, and 45% Fixed Rate Office Exposure: 6 loans for ~$2.8M CRE Ratio: 230% (as of Q3 2026) CRE loans by industry 1-4 Family Rental 11% Investor Real Estate 43% Multi Family 7% Owner Occupied 33% Agricultural 6% Total $1.1B Historical yields 6.18% 6.08% 6.13% 6.22% 6.22% 6.28% 6.34% 6.43% 5.35% 5.54% 5.60% 5.69% 5.66% 5.73% 5.85% 5.92% 2024 Q4 2025 Q1 2025 Q2 2025 Q3 2025 Q4 2026 Q1 2026 Q2 2026 Q3 Yield on Loans Yield on Interest Earnings Assets NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 24

Strong historical credit quality Credit quality ratios 2022 2023 2024 2025 Q3 2026 Non-performing Loans / Loans 0.08% 0.48% 0.46% 0.34% 0.73% Net Charge Offs / Loans 0.02% 0.39% 0.10% 0.03% 0.13% ACL / Loans 1.15% 1.18% 1.16% 1.07% 1.10% Reserves / NPAs 1,165% 246% 252% 280% 143% NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 25

Deposit portfolio overview Attractive retail franchise bolstered by commercial and municipal relationships Deposit portfolio by category NIB Demand 19% IB Demand 15% MMDA 16% Savings 9% Time Deposts 41% Total $2.5B $51K Average Account Size $524M in Municipal Deposits Historical funding costs 6.18% 6.08% 6.13% 6.22% 6.22% 6.28% 6.34% 6.43% 5.35% 5.54% 5.60% 5.69% 5.66% 5.73% 5.85% 5.92% 2024 Q4 2025 Q1 2025 Q2 2025 Q3 2025 Q4 2026 Q1 2026 Q2 2026 Q3 Cost of Deposits Cost of Funds Deposit composition over time 2.46% 2.39% 2.30% 2.21% 2.21% 2.21% 2.11% 2.07% 2.30% 2.26% 2.17% 2.11% 2.14% 2.12% 2.06% 2.02% 2024 Q4 2025 Q1 2025 Q2 2025 Q3 2025 Q4 2026 Q1 2026 Q2 2026 Q3 Time Deposits Savings MMDA IB Demand NIB Demand NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 26

Managing Exposure to Dynamic Interest Rate Environment Net Interest Income Sensitivity 1.5% 0.5% 0.9% 1.5% 0.1% -0.8% -2.1% -1.1% -1.7% -2.1% -0.4% 0.2% -100 +100 Loan portfolio exposure to interest rates EXPOSURE TO RATE MOVES 11% Adjustable 44% Floating 45% Fixed Rate 48% reprice within next 12 months $691M of CDs that are maturing within 12 months at average rate of 3.27% $116 million non-maturity tied to indexes Continued prudent management of capital, liquidity, and interest rate exposure NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 27

Strength. Security. Stability. 150+ years in business UNIFIED BRAND: Consolidated Wayne Bank, the Bank of Cooperstown, Bank of the Finger Lakes, and Presence Bank under single Wayne Bank brand Committed to the same community banking mission and core values instated upon our founding in 1871 Rewarding shareholders Focused on achieving above-peer performance targets bolstered by our competitive strength in markets of operation Repositioned the investment portfolio to improve yields in current and future interest rate environment Track record of 34 consecutive years of increasing cash dividends Growth & expansion Consistent record of organic growth bolstered by four successful acquisitions between 2011 and 2026, including Presence Bank Focused on expanding noninterest and fee income through product offerings such as wealth and trust management, mortgage, and treasury management services A community pillar MISSION STATEMENT: “To help our customers and communities build strong financial futures, so that every day, every year, every generation is better than the last.” The Bank and its employees are key contributors to several local charities Focused on small business and local relationships NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 28

NON-GAAP RECONCILIATIONS Q3 2026 INVESTOR PRESENTATION 29

Non-GAAP financial measures Net Interest Income FTE and Average Tangible Equity Net Interest Income FTE (Dollars in thousands) Nine Months Three Months Three Months Nine Months Three Months Ended Ended Ended Ended Ended September 30, September 30, June 30, September 30, September 30, 2026 2026 2026 2025 2025 Net interest income $ 79,402 $ 28,009 $ 26,839 $ 57,380 $ 20,458 Tax effect at 21% 574 199 182 589 192 Net interest income on a fully taxable equivalent basis $ 79,976 $ 28,208 $ 27,021 $ 57,969 $ 20,650 Average Tangible Shareholders' Equity (Dollars in thousands) Nine Months Three Months Three Months Nine Months Three Months Ended Ended Ended Ended Ended September 30, September 30, June 30, September 30, September 30, 2026 2026 2026 2025 2025 Average shareholders' equity $ 289,921 $ 291,624 $ 288,334 $ 222,791 $ 226,733 Average intangible assets (39,466) (39,455) (39,609) (29,394) (29,380) Average tangible shareholders' equity $ 250,455 $ 252,169 $ 248,725 $ 193,397 $ 197,353 NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 30

Non-GAAP financial measures Pre Provision Net Revenue Pre Provision Net Revenue (Dollars in thousands) Nine Months Three Months Three Months Nine Months Three Months Ended Ended Ended Ended Ended September 30, September 30, June 30, September 30, September 30, 2026 2026 2026 2025 2025 Income before tax expense (GAAP) $ 31,726 $ 15,277 $ 11,629 $ 25,651 $ 10,531 Provision for credit losses 3,503 100 1,944 1,305 (502) Pre provision net revenue (PPNR) (Non-GAAP) 35,229 15,377 13,573 26,956 10,029 Merger-related expenses 4,994 0 53 718 568 BOLI restructuring fee 225 0 0 0 0 PPNR adjusted for one time expenses (Non-GAAP) 40,448 15,377 13,626 27,674 10,597 NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 31

Non-GAAP financial measures Adjusted Return on Average Assets Adjusted Return on Average Assets (Dollars in thousands) Nine Months Three Months Three Months Nine Months Three Months Ended Ended Ended Ended Ended September 30, September 30, June 30, September 30, September 30, 2026 2026 2026 2025 2025 Net income $ 24,821 $ 11,763 $ 9,328 $ 20,313 $ 8,334 Average assets 2,897,099 2,909,599 2,913,153 2,345,909 2,363,759 Return on average assets (annualized) 1.15 % 1.60 % 1.28 % 1.16 % 1.40 % Net income 24,821 11,763 9,328 20,313 8,334 Merger-related expenses 4,994 0 53 718 568 Boli restructuring fee 225 0 0 0 0 Tax effect at 21% (1,096) 0 (11) (151) (119) Adjusted Net Income (Non-GAAP) 28,944 11,763 9,370 20,880 8,783 Average assets 2,897,099 2,909,599 2,913,153 2,345,909 2,363,759 Adjusted return on average assets (annualized) (Non-GAAP) 1.34 % 1.60 % 1.29 % 1.19 % 1.47 % NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 32

Non-GAAP financial measures Adjusted Return on Average Tangible Shareholders’ Equity and Adjusted Earnings Per Share Adjusted Return on Average Tangible Shareholders' Equity (Dollars in thousands) Nine Months Three Months Three Months Nine Months Three Months Ended Ended Ended Ended Ended September 30, September 30, June 30, September 30, September 30, 2026 2026 2026 2025 2025 Net income $ 24,821 $ 11,763 $ 9,328 $ 20,313 $ 8,334 Average shareholders' equity 289,921 291,624 288,334 222,791 226,733 Average intangible assets 39,466 39,455 39,609 29,394 29,380 Average tangible shareholders' equity 250,455 252,169 248,725 193,397 197,353 Return on average tangible shareholders' equity (annualized) 13.25 % 18.51 % 15.04 % 14.04 % 16.76 % Net income 24,821 11,763 9,328 20,313 8,334 Merger-related expenses 4,994 0 53 718 568 Boli restructuring fee 225 0 0 0 0 Tax effect at 21% (1,096) 0 (11) (151) (119) Adjusted Net Income (Non-GAAP) 28,944 11,763 9,370 20,880 8,783 Average tangible shareholders' equity 250,455 252,169 248,725 193,397 197,353 Adjusted return on average shareholders' equity (annualized) (Non-GAAP) 15.45 % 18.51 % 15.11 % 14.43 % 17.66 % Adjusted Earnings Per Share (Dollars in thousands) Nine Months Three Months Three Months Nine Months Three Months Ended Ended Ended Ended Ended September 30, September 30, June 30, September 30, September 30, 2026 2026 2026 2025 2025 GAAP-Based Earnings Per Share, Basic $ 2.29 $ 1.08 $ 0.86 $ 2.22 $ 0.89 GAAP-Based Earnings Per Share, Diluted $ 2.29 $ 1.08 $ 0.86 $ 2.22 $ 0.89 Net Income 24,821 11,763 9,328 20,313 8,334 Merger-related expenses 4,994 0 53 718 568 Boli restructuring fee 225 0 0 0 0 Tax effect at 21% (1,096) 0 (11) (151) (119) Adjusted Net Income (Non-GAAP) 28,944 11,763 9,370 20,880 8,783 Adjusted Earnings per Share, Basic (Non-GAAP) $ 2.68 $ 1.08 $ 0.86 $ 2.28 $ 0.94 Adjusted Earnings per Share, Diluted (Non-GAAP) $ 2.67 $ 1.08 $ 0.86 $ 2.28 $ 0.94 NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q3 2026 INVESTOR PRESENTATION 33

Thank you

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v3.26.3

Document and Entity Information

Oct. 27, 2026

Document And Entity Information [Abstract]

Document Type

8-K

Document Period End Date

Oct. 27, 2026

Entity Registrant Name

NORWOOD FINANCIAL CORP

Entity Incorporation, State or Country Code

Entity File Number

0-28364

Entity Tax Identification Number

23-2828306

Entity Address, Address Line One

717 Main Street

Entity Address, City or Town

Honesdale

Entity Address, State or Province

Entity Address, Postal Zip Code

18431

City Area Code

570

Local Phone Number

253-1455

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common Stock, $0.10 par value

Trading Symbol

NWFL

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

Entity Central Index Key

0001013272

Amendment Flag

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration