Norwood Financial(NASDAQ) NWFL

Norwood Financial Corp. helps customers save and borrow money. It operates through its local Wayne Bank branches. These services help families buy homes and businesses grow.

More Than Basic Banking

• Commercial Lending: Business mortgages, credit lines, and revolving credit facilities for corporate and non-profit clients.
• Residential Financing: Mortgages for primary and secondary homes, land acquisition loans, and construction financing.
• Consumer Banking: Interest-bearing checking, savings, and money market accounts for individuals.
• Indirect Vehicle Financing: Loans for cars and boats provided through a network of dealerships.
• Wealth Management: Trust management, investment securities services, and the sale of annuities.

Expansion Through Acquisitions

• Acquired PB Bankshares in January 2026 to expand the loan and deposit base.
• Purchased UpState New York Bancorp, Inc. in July 2020, moving into new New York counties.
• Completed the acquisition of Delaware Bancshares, Inc. in 2016.
• Integrated North Penn Bancorp, Inc. in 2011 to strengthen its regional presence.

Local Reach and Modern Tools

The institution operates 14 branches in Northeastern Pennsylvania and 16 branches across five counties in New York. It provides modern cash management tools like remote deposit capture and electronic payment processing for business clients.

By the Numbers

• Total assets reached $2.908 billion as of June 30, 2026, up from $2.425 billion on Dec. 31, 2025.
• Net income for the six-month period ended June 30, 2026, was $13.1 million.
• Loans receivable grew by $409.4 million during the first half of 2026.
• Total deposits reached $2.514 billion as of June 30, 2026, following the PB Bankshares acquisition.
• Non-performing assets, or loans where payments have stopped, reached 0.97% of total assets on June 30, 2026.

Evolution of a Regional Bank

Norwood has transformed from a single-location bank into a regional institution through community bank acquisitions. Its focus on balancing traditional relationship banking with modern technology supports its growth in Pennsylvania and New York.