Norwood Financial Corp. · NASDAQ:NWFL
Norwood Financial — Q2 2026 Earnings Presentation
15 slides from Norwood Financial's earnings presentation, Jul 22, 2026
Slide 1: Q2 2026 Earnings Presentation
NASDAQ GLOBAL: NWFL Q2 2026 Earnings Presentation Community Bank Making Every Day Better J ULY 22, 2026
Slide 2: Forward-looking statements and additional information
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 deem
Slide 3: Q2 2026 summary
Q2 2026 summary Selected financial highlights (all comps Y/Y) Key messages Achieved strong second-quarter performance, with $26.8M 3.27% Net Interest Income +41% Net Interest Spread (fte) 1 +52 bps 1 record net interest income and record net income, extending the momentum we are building towards a b
Slide 4: Making progress on our 2026 strategic priorities
Making progress on our 2026 strategic priorities Focused on actions that will create value and build momentum Successfully complete • Completed key integration activity, including core system conversion and brand convergence Presence Bank integration • Ongoing dialogue to share best practices as we
Slide 5: Improving financial performance and positioning for continued growth
Improving financial performance and positioning for continued growth Adjusted earnings per share1 EPS improved on record net income due to record net $0.86 interest income and growth in other income, partially offset by $0.67 $0.72 higher expenses due to the acquisition Q2 2025 Q1 2026 Q2 2026 TBV p
Slide 6: Loan portfolio overview
Loan portfolio overview Small business lending, granular relationships and limited industry concentration Loan portfolio by category CRE loans by industry C&I 1-4 Family Rental 1-4 Family 13% $98K Average Loan Size 12% 14% Investor Real Const & Land Estate $325K Average Commercial Loan Size Agricult
Slide 7: Strong historical credit quality
Strong historical credit quality Credit quality ratios 2022 2023 2024 2025 Q2 2026 Non-performing Loans / 0.08% 0.48% 0.46% 0.34% 1.23% Loans Net Charge Offs / Loans 0.02% 0.39% 0.10% 0.03% 0.24% ACL / Loans 1.15% 1.18% 1.16% 1.07% 1.13% Reserves / NPAs 1,165% 246% 252% 280% 90% N O R W O OD F I N A
Slide 8: Deposit portfolio overview
Deposit portfolio overview Attractive retail franchise bolstered by commercial and municipal relationships Deposit portfolio by category Historical funding costs 2.49% 2.46% 2.39% 2.30% NIB Demand 2.21% 2.21% 2.21% 2.11% 20% 2.32% 2.30% 2.26% 2.17% 2.11% 2.14% 2.12% 2.06% Time Deposts 42% Total 2024
Slide 9: Strength. Security. Stability.
Strength. Security. Stability. Customers Employees Key tenets for SUCCESS Community Shareholders UNIFIED BRAND: Consolidated Wayne Bank, the Bank of Cooperstown, Bank of the Finger Lakes, and Presence Bank under single Wayne Bank brand 150+ years in business Committed to the same community banking m
Slide 10: Appendix
APPENDI X Q 2 2 0 2 6 E A R N I N GS P R ESENTATI O N 10
Slide 11: Non-GAAP financial measures
Non-GAAP financial measures Net Interest Income FTE and Average Tangible Equity NORWOOD FINANCIAL CORP Reconciliation of Non-GAAP Results (dollars in thousands, except per share data) Net Interest Income FTE (dollars in thousands) Three months ended Six months ended June 30 June 30 2026 2025 2026 20
Slide 12: Non-GAAP financial measures
Non-GAAP financial measures Pre Provision Net Revenue NORWOOD FINANCIAL CORP Reconciliation of Non-GAAP Results (dollars in thousands, except per share data) Pre Provision Net Revenue (Dollars in thousands) Six Months Three Months Three Months Six Months Three Months Ended Ended Ended Ended Ended Ju
Slide 13: Non-GAAP financial measures
Non-GAAP financial measures Adjusted Return on Average Assets NORWOOD FINANCIAL CORP Reconciliation of Non-GAAP Results (unaudited) (dollars in thousands, except per share data) Adjusted Return on Average Assets (Dollars in thousands) Six Months Three Months Three Months Six Months Three Months Ende
Slide 14: Non-GAAP financial measures
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) Six Months Three Months Three Months Six Months Three Months Ended Ended Ended Ended Ended June 30, Jun
Slide 15: Thank you
Thank you