Norwood Financial Corp. (NWFL)

Norwood Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	44.44	72.34	66.12	31.87	206.68
Securities and Investments	408.78	397.85	406.26	418.93	406.78
Net Loans	1,834	1,694	1,585	1,457	1,338
Net Property, Plant & Equipment	22.97	19.66	17.84	17.92	17.29
Accrued Interest and Accounts Receivable	9.25	8.47	8.12	6.92	5.89
Other Intangible Assets	0.1	0.15	0.22	0.31	0.41
Goodwill	29.27	29.27	29.27	29.27	29.27
Long-Term Investments	52.71	60.02	53.76	48.78	43.97
Other Non-Earning Assets	23.79	35.92	34.85	36.14	19.74
Total Assets	2,425	2,317	2,201	2,047	2,069
Interest-bearing deposits	1,659	1,478	1,396	1,293	1,316
Noninterest-bearing deposits	419.6	381.48	399.55	434.53	440.65
Total Deposits	2,079	1,859	1,795	1,728	1,757
Short-Term Borrowings	14.71	113.07	74.08	93.22	60.82
Accrued Expenses	12.14	12.62	10.51	2.65	1.2
Long-Term Debt	59.42	101.79	124.24	40	30
Other Liabilities	17.77	17.31	16.03	16.39	14.43
Total Liabilities	2,183	2,104	2,020	1,880	1,863
Common Stock	0.95	0.95	0.83	0.83	0.83
Treasury Stock	-6.01	-5.8	-5.4	-3.31	-1.77
Additional Paid-in Capital	127.43	126.51	97.7	96.9	96.44
Accumulated Other Comprehensive Income	-21.34	-33.12	-47.35	-57.35	-0.26
Retained Earnings	141.13	124.96	135.28	130.02	110.02
Shareholders' Equity	242.16	213.51	181.07	167.09	205.26
Total Liabilities & Equity	2,425	2,317	2,201	2,047	2,069
Total Debt	59.42	101.79	124.24	40	30
Net Cash (Debt)	-59.42	-101.79	-124.24	-40	-30
Net Cash Per Share	-6.43	-12.58	-15.37	-4.89	-3.66
Book Value	242.16	213.51	181.07	167.09	205.26
Book Value Per Share	26.22	26.38	22.40	20.43	25.04
Tangible Book Value	212.79	184.09	151.58	137.51	175.59
Tangible Book Value Per Share	23.04	22.75	18.75	16.82	21.42

Updated Jan 22, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q