---
schema_version: "secwatch.filing_event.v1"
accession: "0001013272-26-000012"
form_type: "8-K"
ticker: "NWFL"
cik: "0001013272"
company_name: "NORWOOD FINANCIAL CORP"
filed_at: "2026-07-22T12:12:53+00:00"
generated_at: "2026-07-22T12:15:06.133323+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Norwood Financial reports record Q2 net income of $9.3M; NIM expands to 3.90%

## Summary
- Record net income $9.3M, diluted EPS $0.86 vs $0.67 prior year; record net interest income $26.8M.
- Net interest margin (FTE) 3.90%, up 47 bps YoY and 22 bps linked quarter; total assets $2.908B.
- Tangible book value per share $22.96, surpassing pre-acquisition value; completed Presence Bancshares integration.
- Net charge-offs $1.4M including $729K from a $22M borrower relationship in Chapter 11 bankruptcy.
- Nonperforming loans to total loans 1.23%; allowance for credit losses 1.13%.

## SEC filing metadata
- accession: 0001013272-26-000012
- form_type: 8-K
- ticker: NWFL
- cik: 0001013272
- company_name: NORWOOD FINANCIAL CORP
- filed_at: 2026-07-22T12:12:53+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1013272/000101327226000012/0001013272-26-000012-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1013272/000101327226000012/nwfl-20260722x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001013272-26-000012
- JSON: https://secwatch.observer/filing/0001013272-26-000012.json
- Plain text: https://secwatch.observer/filing/0001013272-26-000012.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.