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Wayne Bank

Honesdale, PA · Cert 698 · Norwood Financial Corp.

State charter, non-member · FDIC · 33 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wayne Bank

Honesdale, PA · Cert 698 · Norwood Financial Corp.

State charter, non-member · FDIC · 33 branches

Q2 2026

$2.9BAssets
$2.3BLoans
$2.5BDeposits
$271.6MEquity
Loan mix
74%RE $1.6B10%C&I $0.2B16%Consumer $0.3BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $2.0B20%Noninterest $0.5BQ2 2025Q2 2026

NIM

4.72%Q2 ’245.12%Q2 ’255.46%Q2 ’26+21%+17%

Non-interest income vs. expense

1.98%Q2 ’242.02%Q2 ’252.52%Q2 ’26+1%+33%

Market Position · Rochester, NY · 2026 SOD (annual) · 0.8% share · #12 of 19 inst. · $0.2B of $27.0B

22.5% Wayne
32.2% Delaware
21.9% Otsego
5.8% Ontario

Executive Summary

  • Earnings: ROA of 1.02%, down 5 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 1.21% of loans (+76 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 8.82%, down 57 bps from a year ago.
  • Funding: loans stand at 89.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+52 bps YoY

Efficiency Ratio (YTD, annualized)

63.31%+530 bps YoY

Tier 1 Leverage Ratio

8.82%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.21%1.23%0.68%1.02%-5 bps
Return on Equity11.49%13.19%13.51%7.49%11.15%-34 bps
Net Interest Margin3.12%3.23%3.20%3.54%3.64%+52 bps
Efficiency Ratio58.01%56.61%56.54%73.58%63.31%+530 bps
Non-Interest Burden1.63%1.63%1.62%2.49%2.17%+54 bps
Growth
Asset Growth (YoY)5.82%5.80%4.65%22.64%22.80%+1,698 bps
Loan Growth (YoY)8.67%7.90%7.73%26.87%26.86%+1,820 bps
Deposit Growth (YoY)10.35%13.07%13.09%25.72%26.53%+1,617 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.36%0.34%0.46%1.21%+76 bps
Net Charge-Offs / Loans0.08%0.10%0.10%0.09%0.17%+9 bps
Allowance / Loans1.17%1.10%1.08%1.09%1.13%-4 bps
Allowance Coverage of NPLs2.6x3.0x3.1x2.4x0.9x-1.6x
Capital
Tier 1 Leverage Ratio9.39%8.56%8.56%8.76%8.82%-57 bps
Total Risk-Based Capital13.24%11.98%12.08%12.10%12.22%-102 bps
Equity / Assets9.51%8.70%8.95%9.12%9.35%-16 bps
Liquidity & Funding
Loans / Deposits89.21%86.07%87.70%88.75%89.45%+24 bps
Liquid Assets / Assets0.89%1.03%0.53%1.32%0.87%-2 bps
CRE / Total Capitaln/a356%354%397%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wayne Bank

Honesdale, PA · Cert 698 · Peer group: banks $1B-$10B in assets (n=313-319) · Norwood Financial Corp.

State charter, non-member · FDIC · 33 branches

Q2 2026

$2.9BAssets
$2.3BLoans
$2.5BDeposits
$271.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 65% of banks $1B-$10B in assets (rank 113 of 319).
  • Widest gap: tier 1 capital ratio trails 84% of banks $1B-$10B in assets (rank 269 of 319).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.97%

Rank 231 of 319

Net Interest Margin

3.64%

Rank 113 of 319

Efficiency Ratio

63.88%

Rank 202 of 319

Equity / Assets

9.35%

Rank 220 of 319

Non-interest income vs. expense

$10.4M$74.1MINCOMEEXPENSE
Unfavorable gap of $63.8M · efficiency ratio beats 37% of banks $1B-$10B in assets
Bank 63.88%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.91%1.21%1.53%Beats 28%231 / 319
Return on Equity10.33%8.49%11.44%14.57%Beats 38%198 / 319
Net Interest Margin3.64%3.06%3.43%3.81%Beats 65%113 / 319
Efficiency Ratio63.88%51.90%59.57%67.64%Beats 37%202 / 319
Asset Quality
Nonperforming Loans / Loans1.21%0.25%0.54%1.18%Beats 24%238 / 313
Net Charge-Offs / Loans0.09%0.01%0.04%0.12%Beats 30%219 / 313
Capital
Tier 1 Capital Ratio11.09%11.74%12.99%15.28%Beats 16%269 / 319
Total Risk-Based Capital Ratio12.22%12.61%14.01%16.23%Beats 20%254 / 319
Equity / Assets9.35%9.03%10.33%12.01%Beats 31%220 / 319
Liquidity & Funding
Loans / Deposits89.45%76.76%88.16%95.43%53rd pctl149 / 314
Loans / Assets77.87%65.79%74.05%79.84%66th pctl109 / 319
Brokered Deposits / Depositsn/aNot reported for this institution