Kristin Lencia
Vice President and Marketing Manager
Replay available
Norwood Financial Corp. (NASDAQ: NWFL) Q3 2025 earnings conference call, held 2025-10-22. Replay captured from the company's public earnings webcast.

Vice President and Marketing Manager
Chief Executive Officer
Chief Financial Officer
Analyst, Stevens
Analyst, RLH Investments
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WEBVTT 00:00:00.031 -- 00:00:05.357 and thank you for standing by. Welcome to the Norwood Financial's third quarter 2025 00:00:05.357 -- 00:00:10.322 earnings conference call. At this time, all participants are in a listen-only mode. 00:00:10.322 -- 00:00:13.705 After the speaker's presentation, there will be a question and answer session. 00:00:13.705 -- 00:00:17.749 To ask a question during the session, you will need to press star one one on your telephone. 00:00:17.749 -- 00:00:20.973 You will then hear an automated message advising that your hand is raised. 00:00:20.973 -- 00:00:23.876 To withdraw your question, please press star one one again. 00:00:23.876 -- 00:00:27.299 Please be advised that today's conference is being recorded. 00:00:27.299 -- 00:00:31.262 I would now like to hand the conference over to Kristin Lencia, Vice President and Marketing 00:00:31.262 -- 00:00:33.425 Manager. Please go ahead. 00:00:33.425 -- 00:00:38.230 Thank you, Tanya. Good morning, everyone. Welcome to our Q3 2025 00:00:38.230 -- 00:00:43.736 earnings conference call. With me today are Jim Donnelly, CEO, and John McCaffrey, 00:00:43.736 -- 00:00:49.002 CFO. The press release we issued earlier this morning, together with the presentation 00:00:49.002 -- 00:00:53.687 material that accompanies our remarks, are available on the investor relations section 00:00:53.687 -- 00:00:55.389 of our webpage. 00:00:55.389 -- 00:01:00.680 Comments made by any participant on today's call may include forward-looking statements 00:01:00.680 -- 00:01:04.986 These statements are subject to various risks and uncertainties and other factors that 00:01:04.986 -- 00:01:10.194 are difficult to predict. Actual results may differ materially from those expressed 00:01:10.194 -- 00:01:15.602 or implied, and ...