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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 $0.3BQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $2.0B20%Noninterest $0.5BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.03%1.03%1.07%1.21%1.23%0.68%1.02%-5 bps
Return on Equity9.49%0.32%11.21%11.49%13.19%13.51%7.49%11.15%-34 bps
Net Interest Margin2.68%2.67%3.07%3.12%3.23%3.20%3.54%3.64%+52 bps
Efficiency Ratio66.83%67.88%58.52%58.01%56.61%56.54%73.58%63.31%+530 bps
Non-Interest Burden1.64%1.67%1.61%1.63%1.63%1.62%2.49%2.17%+54 bps
Growth
Asset Growth (YoY)4.58%5.29%5.11%5.82%5.80%4.65%22.64%22.80%+1,698 bps
Loan Growth (YoY)3.97%6.86%8.82%8.67%7.90%7.73%26.87%26.86%+1,820 bps
Deposit Growth (YoY)6.27%3.59%9.01%10.35%13.07%13.09%25.72%26.53%+1,617 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.46%0.45%0.45%0.36%0.34%0.46%1.21%+76 bps
Net Charge-Offs / Loans0.09%0.10%0.07%0.08%0.10%0.10%0.09%0.17%+9 bps
Allowance / Loans1.12%1.16%1.16%1.17%1.10%1.08%1.09%1.13%-4 bps
Allowance Coverage of NPLs2.4x2.5x2.6x2.6x3.0x3.1x2.4x0.9x-1.6x
Capital
Tier 1 Leverage Ratio8.97%9.33%9.38%9.39%8.56%8.56%8.76%8.82%-57 bps
Total Risk-Based Capital12.70%13.39%13.15%13.24%11.98%12.08%12.10%12.22%-102 bps
Equity / Assets8.52%9.18%9.26%9.51%8.70%8.95%9.12%9.35%-16 bps
Liquidity & Funding
Loans / Deposits90.20%92.07%87.95%89.21%86.07%87.70%88.75%89.45%+24 bps
Liquid Assets / Assets1.57%1.93%1.84%0.89%1.03%0.53%1.32%0.87%-2 bps
CRE / Total Capitaln/an/an/an/a356%354%397%n/an/a