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NORWOOD FINANCIAL CORP (NWFL)

NORWOOD FINANCIAL CORP (NWFL)

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Balance Sheets Overview

Debt to Asset Ratio
90.04%
Unit: Thousand (K) dollars
Assets Breakdown
    • Bank owned life insurance
    • Goodwill
    • Cash and due from banks
    • Others
Liabilities Breakdown
    • Interest-bearing
    • Non-interest bearing demand
    • Surplus
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
30,902
25,480
32,118
50,348
Interest-bearing deposits with banks
29,387
75,258
12,318
24,382
Fed funds sold
-
1,835
-
-
Cash and cash equivalents
60,289
102,573
44,436
74,730
Securities available for sale, at fair value (net of allowance for credit losses of 0)
438,967
431,184
408,782
403,989
Loans receivable (net of allowance for credit losses of 25,632 and 19,882)
2,237,181
2,214,307
1,833,540
1,794,771
Regulatory stock, at cost
6,399
7,181
6,623
6,163
Bank premises and equipment, net
25,262
25,299
22,971
22,292
Bank owned life insurance
55,404
55,078
46,089
45,821
Accrued interest receivable
10,568
10,815
9,250
8,686
Foreclosed real estate owned
771
771
771
-
Deferred tax assets, net
19,979
19,728
14,654
16,528
Goodwill
36,375
36,375
29,266
29,266
Other intangibles
3,153
3,318
98
109
Other assets
13,566
10,625
8,362
9,596
Total assets
2,907,914
2,917,254
2,424,842
2,411,951
Non-interest bearing demand
500,383
470,706
419,597
424,027
Interest-bearing
2,013,914
2,035,992
404,079
1,649,941
Money market deposit accounts
-
-
188,215
-
Savings
-
-
201,388
-
Time
-
-
865,366
-
Total deposits
2,514,297
2,506,698
2,078,645
2,073,968
Short-term borrowings
-
-
14,714
-
Other borrowings
65,513
88,268
59,419
72,071
Accrued interest payable
8,977
9,692
12,138
9,823
Other liabilities
29,487
28,658
17,769
21,184
Total liabilities
2,618,274
2,633,316
2,182,685
2,177,046
Common stock, 0.10 par value per share, authorized 20,000,000 shares, issued 2026 11,183,140 shares, 2025 9,516,503 shares
1,118
1,118
952
949
Surplus
174,337
174,078
127,426
127,190
Retained earnings
146,685
140,843
141,130
136,662
Treasury stock at cost 2026 290,841 shares 2025 222,645 shares
7,957
7,970
6,008
6,188
Accumulated other comprehensive loss
-24,543
-24,131
-21,343
-23,708
Total stockholders equity
289,640
283,938
242,157
234,905
Total liabilities and stockholders equity
2,907,914
2,917,254
2,424,842
2,411,951
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Balance Sheets

Cash and due frombanks$30,902K (-3.59%↓ Y/Y)Interest-bearing deposits withbanks$29,387K (39.98%↑ Y/Y)Loans receivable (netof allowance for...$2,237,181K (26.42%↑ Y/Y)Securities available forsale, at fair value...$438,967K (9.07%↑ Y/Y)Cash and cashequivalents$60,289K (13.66%↑ Y/Y)Bank owned lifeinsurance$55,404K (20.18%↑ Y/Y)Goodwill$36,375K (24.29%↑ Y/Y)Bank premises andequipment, net$25,262K (16.91%↑ Y/Y)Deferred tax assets, net$19,979K (12.92%↑ Y/Y)Other assets$13,566K (47.26%↑ Y/Y)Accrued interestreceivable$10,568K (22.29%↑ Y/Y)Regulatory stock, at cost$6,399K (-15.11%↓ Y/Y)Other intangibles$3,153K (2505.79%↑ Y/Y)Foreclosed real estateowned$771K Total assets$2,907,914K (22.94%↑ Y/Y)Total liabilities andstockholders equity$2,907,914K (22.94%↑ Y/Y)Total liabilities$2,618,274K (22.35%↑ Y/Y)Total stockholdersequity$289,640K (28.49%↑ Y/Y)Accumulated othercomprehensive loss-$24,543K (10.77%↑ Y/Y)Treasury stock at cost2026 290,841 shares...$7,957K (28.17%↑ Y/Y)Total deposits$2,514,297K (25.85%↑ Y/Y)Other borrowings$65,513K (-23.24%↓ Y/Y)Other liabilities$29,487K (53.05%↑ Y/Y)Accrued interestpayable$8,977K (-18.21%↓ Y/Y)Surplus$174,337K (37.28%↑ Y/Y)Retained earnings$146,685K (11.80%↑ Y/Y)Common stock, 0.10 parvalue per share,...$1,118K (17.81%↑ Y/Y)Interest-bearing$2,013,914K (26.54%↑ Y/Y)Non-interest bearing demand$500,383K (23.14%↑ Y/Y)