secwatch.observer — SEC 8-K summary
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Issuer:     NORWOOD FINANCIAL CORP (NWFL)
CIK:        0001013272
Form:       8-K
Filed at:   2026-07-22T12:12:53+00:00
Accession:  0001013272-26-000012
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1013272/000101327226000012/0001013272-26-000012-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1013272/000101327226000012/nwfl-20260722x8k.htm
  HTML page:      https://secwatch.observer/filing/0001013272-26-000012

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