Norwood Financial reports record Q2 net interest income, completes Presence Bank integration

Filed July 27, 2026 · Period ending July 27, 2026 · ~2 min read

Key Changes

• high

  Q2 2026 net interest income reached record $26.8M (up 41% YoY) with net interest margin of 3.90% (up 47 bps); adjusted diluted EPS of $0.86 (up 25%) and adjusted return on tangible equity of 15.11%.

  Exhibit 99.1 view on EDGAR →
• high

  Presence Bank integration completed April 2026 with tangible book value dilution of 2.24% versus estimated 4.2%; transaction expenses $6.1M (14% below estimate) and core deposit intangible $3.3M (33% below estimate).

  Exhibit 99.1 view on EDGAR →
• high

  Company targets growing assets to over $5B (67% increase from current $2.9B level) while maintaining loans-to-deposits above 90% and continuing 34-year dividend growth track record.

  Exhibit 99.1 view on EDGAR →