Norwood Financial Corp reported its financial results for the fourth quarter and full year 2025. For the fourth quarter (Q4), net interest income totaled USD 20.9 million. Net income for the quarter amounted to USD 7.4 million. The net interest spread on a fully taxable equivalent basis was 2.93, while the net interest margin was 3.60. Return on average assets was 1.21 and return on average equity was 12.30. Basic and diluted earnings per share for Q4 were both USD 0.80. For the full year (FY) 2025, fully diluted earnings per share were USD 3.01. Full year loan growth was 8.2 and deposit growth was 11.8. Non-interest bearing demand deposit accounts increased 10 during 2025. The tangible common equity ratio was 8.88. Tangible book value per share increased by 15.4 to USD 22.90.

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