---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-185504"
form_type: "8-K"
ticker: "NWFL"
cik: "0001013272"
company_name: "NORWOOD FINANCIAL CORP"
filed_at: "2024-07-26T23:59:59+00:00"
generated_at: "2026-05-31T15:54:09.221160+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Norwood Financial Q2 EPS $0.52 vs $0.81 YoY; net interest margin down to 2.79%

## Summary
- Net income $4.213M for Q2 2024, down $2.290M from Q2 2023 due to higher provision for credit losses (+$2.097M).
- Net interest margin (fte) fell to 2.79% from 3.09% a year ago; cost of interest-bearing liabilities rose 108 bps.
- Loan growth annualized 4.9% linked quarter; total deposits declined $28M driven by seasonal municipal outflow of $53M.
- Other expenses increased $506K to $11.444M; core operating expenses held at 2% of average assets.
- Six-month EPS $1.07 vs $1.51; annualized ROA 0.78%, ROATCE 11.46%.

## SEC filing metadata
- accession: 0001193125-24-185504
- form_type: 8-K
- ticker: NWFL
- cik: 0001013272
- company_name: NORWOOD FINANCIAL CORP
- filed_at: 2024-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1013272/000119312524185504/0001193125-24-185504-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1013272/000119312524185504/d871470d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-185504
- JSON: https://secwatch.observer/filing/0001193125-24-185504.json
- Plain text: https://secwatch.observer/filing/0001193125-24-185504.txt

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