For the quarter ending 2026-03-31, NWFL has $2,917,254K in assets. $2,633,316K in debts.
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 25,480 | 32,118 | 50,348 | 32,052 |
| Interest-bearing deposits with banks | 75,258 | 12,318 | 24,382 | 20,993 |
| Fed funds sold | 1,835 | - | - | - |
| Cash and cash equivalents | 102,573 | 44,436 | 74,730 | 53,045 |
| Securities available for sale, at fair value (net of allowance for credit losses of 0) | 431,184 | 408,782 | 403,989 | 402,460 |
| Total loans | 2,239,315 | 1,853,875 | 1,815,138 | - |
| Deferred fees, net | 658 | 453 | 456 | - |
| Total loans receivable | 2,238,657 | 1,853,422 | 1,814,682 | - |
| Allowance for credit losses | 24,350 | 19,882 | 19,911 | - |
| Loans receivable (net of allowance for credit losses of 24,350 and 19,882) | 2,214,307 | 1,833,540 | 1,794,771 | 1,769,666 |
| Regulatory stock, at cost | 7,181 | 6,623 | 6,163 | 7,538 |
| Bank premises and equipment, net | 25,299 | 22,971 | 22,292 | 21,608 |
| Bank owned life insurance | 55,078 | 46,089 | 45,821 | 46,099 |
| Accrued interest receivable | 10,815 | 9,250 | 8,686 | 8,642 |
| Foreclosed real estate owned | 771 | 771 | - | - |
| Deferred tax assets, net | 19,728 | 14,654 | 16,528 | 17,693 |
| Goodwill | 36,375 | 29,266 | 29,266 | 29,266 |
| Other intangibles | 3,318 | 98 | 109 | 121 |
| Other assets | 10,625 | 8,362 | 9,596 | 9,212 |
| Total assets | 2,917,254 | 2,424,842 | 2,411,951 | 2,365,350 |
| Non-interest bearing demand | 470,706 | 419,597 | 424,027 | 406,358 |
| Interest-bearing | 2,035,992 | 404,079 | 1,649,941 | 1,591,476 |
| Money market deposit accounts | - | 188,215 | - | - |
| Savings | - | 201,388 | - | - |
| Time | - | 865,366 | - | - |
| Total deposits | 2,506,698 | 2,078,645 | 2,073,968 | 1,997,834 |
| Short-term borrowings | - | 14,714 | - | 26,500 |
| Other borrowings | 88,268 | 59,419 | 72,071 | 85,350 |
| Accrued interest payable | 9,692 | 12,138 | 9,823 | 10,975 |
| Other liabilities | 28,658 | 17,769 | 21,184 | 19,266 |
| Preferred stock, no par value per share, authorized 5,000,000 shares issued none | - | - | - | 0 |
| Total liabilities | 2,633,316 | 2,182,685 | 2,177,046 | 2,139,925 |
| Common stock, 0.10 par value per share, authorized 20,000,000 shares, issued 2026 11,181,491 shares, 2025 9,516,503 shares | 1,118 | 952 | 949 | 949 |
| Surplus | 174,078 | 127,426 | 127,190 | 126,990 |
| Retained earnings | 140,843 | 141,130 | 136,662 | 131,199 |
| Treasury stock at cost 2026 291,325 shares 2025 222,645 shares | 7,970 | 6,008 | 6,188 | 6,208 |
| Accumulated other comprehensive loss | -24,131 | -21,343 | -23,708 | -27,505 |
| Total stockholders equity | 283,938 | 242,157 | 234,905 | 225,425 |
| Total liabilities and stockholders equity | 2,917,254 | 2,424,842 | 2,411,951 | 2,365,350 |
NORWOOD FINANCIAL CORP (NWFL)
NORWOOD FINANCIAL CORP (NWFL)