NWFL · Norwood Financial Corp.

Norwood Financial Corp’s Q1 2026 performance reflects strong execution of its strategic repositioning—particularly the December 2024 investment portfolio adjustment—which drove a 38 bps year-over-year increase in net interest margin to 3.68% and record net interest income of $24.6M (+38% Y/Y). Adjusted net income rose 35% to $7.8M, supported by disciplined balance sheet management and improving asset yields. The integration of Presence Bank—acquired in April 2026—is progressing as planned and contributed to total assets reaching $2.9B as of March 31, 2026, expanding Norwood’s branch footprint across NY and PA. Capital strength remains robust: adjusted return on tangible equity improved to 12.65% (+25 bps Y/Y), and the company remains well above regulatory ‘Well-Capitalized’ thresholds (total risk-based capital ratio of 13.66%). Dividend discipline continues with the 34th consecutive annual increase to $1.24 per share, yielding 4.2% as of April 23, 2026. Forward-looking statements in Exhibit 99.1 highlight risks tied to the PB Bankshares merger integration, interest rate volatility, economic uncertainty—including workforce reductions and supply chain pressures—and climate-related disruptions—but affirm management’s focus on organic growth, fee income expansion (wealth/trust, mortgage, treasury services), and long-term shareholder returns.