Honesdale, PA · Cert 698 · Norwood Financial Corp.
State charter, non-member · FDIC · 33 branches
Q2 2026
Market Position · Rochester, NY · 2026 SOD (annual) · 0.8% share · #12 of 19 inst. · $0.2B of $27.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 1.21% | 1.23% | 0.68% | 1.02% | -5 bps | |
| Return on Equity | 11.49% | 13.19% | 13.51% | 7.49% | 11.15% | -34 bps | |
| Net Interest Margin | 3.12% | 3.23% | 3.20% | 3.54% | 3.64% | +52 bps | |
| Efficiency Ratio | 58.01% | 56.61% | 56.54% | 73.58% | 63.31% | +530 bps | |
| Non-Interest Burden | 1.63% | 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 / Loans | 0.45% | 0.36% | 0.34% | 0.46% | 1.21% | +76 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.10% | 0.10% | 0.09% | 0.17% | +9 bps | |
| Allowance / Loans | 1.17% | 1.10% | 1.08% | 1.09% | 1.13% | -4 bps | |
| Allowance Coverage of NPLs | 2.6x | 3.0x | 3.1x | 2.4x | 0.9x | -1.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.39% | 8.56% | 8.56% | 8.76% | 8.82% | -57 bps | |
| Total Risk-Based Capital | 13.24% | 11.98% | 12.08% | 12.10% | 12.22% | -102 bps | |
| Equity / Assets | 9.51% | 8.70% | 8.95% | 9.12% | 9.35% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.21% | 86.07% | 87.70% | 88.75% | 89.45% | +24 bps | |
| Liquid Assets / Assets | 0.89% | 1.03% | 0.53% | 1.32% | 0.87% | -2 bps | |
| CRE / Total Capital | n/a | 356% | 354% | 397% | n/a | n/a | |