Financial insights of NWFL

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$3,730K
EPS
$0.35
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Other income-Service Charges And Fees	1,755	1,703*	1,660	-
Other income-Fiduciary And Trust	238	271*	254	-
Other income-Service Charges And Fees	-	-	-	1,514
Gains on sales of loans, net	76	34*	130	65
Other income-Fiduciary And Trust	-	-	-	226
Earnings and proceeds on bank owned life insurance	314	287*	268	266
Other	332	194*	193	177
Total other income	2,715	2,488*	2,505	2,248
Loans receivable, including fees	33,873	27,026*	28,141	27,115
Securities taxable	-	3,641*	-	-
Securities tax exempt	-	248*	-	-
Securities	4,110	-	3,907	3,871
Interest bearing deposits with banks	400	518*	144	220
Total interest income	38,383	31,432*	32,192	31,206
Deposits	12,787	11,283*	10,730	10,869
Short-term borrowings	60	324*	105	211
Other borrowings	982	785*	899	1,061
Total interest expense	13,829	12,392*	11,734	12,141
Net interest income	24,554	19,040*	20,458	19,065
Provision for credit losses	1,505	1,256*	-392	841
(release of) off balance sheet commitments	-46	-154*	-110	109
Total provision for credit losses	1,459	1,101*	-502	950
Net interest income after provision for credit losses	23,095	17,939*	20,960	18,115
Salaries and employee benefits	8,549	10,579*	6,696	6,605
Occupancy, furniture & equipment, net	1,725	8*	1,361	1,349
Furniture and equipment	-	351*	-	-
Data processing and related operations	1,435	1,149*	1,087	1,189
Federal deposit insurance corporation insurance assessment	-	388*	-	-
Postage and telephone	-	328*	-	-
Advertising	-	186*	-	-
Taxes, other than income	202	194*	192	192
Professional fees	826	-473*	968	623
Federal deposit insurance corporation insurance	507	-	368	355
Foreclosed real estate	36	-65*	1	137
Amortization of intangibles	165	14*	12	15
Merger-related expenses	4,941	310*	-	-
Other	2,604	-14*	2,249	2,066
Total other expenses	20,990	12,952*	12,934	12,531
Income before income taxes	4,820	7,475*	10,531	7,832
Income tax expense	1,090	1,528*	2,197	1,627
Net income	3,730	5,947	8,334	6,205

Basic EPS	0.35	0.649	0.89	0.67
Diluted EPS	0.35	0.648	0.89	0.67
Basic Average Shares	10,769,000	9,169,000	9,316,000	9,208,000
Diluted Average Shares	10,775,000	9,178,000	9,317,000	9,210,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$3,730K
EPS
$0.35
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

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Income Overview

Net Income
$3,730K
EPS
$0.35
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income$3,730KEPS$0.35Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$3,730KEPS$0.35Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$3,730K
EPS
$0.35
Unit: Thousand (K) dollars

Net Income
$3,730K
EPS
$0.35
Unit: Thousand (K) dollars