0001013272-26-000026 | 10-Q | XBRL Viewer

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Loans Receivable and Allowance for Credit Losses (Composition of the Loan Portfolio) (Details) - USD ($)	Sep. 30, 2026	Jun. 30, 2026	Dec. 31, 2025	Sep. 30, 2025	Jun. 30, 2025	Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 2,295,101,000		$ 1,853,875,000
Deferred fees, net	(634,000)		(453,000)
Total loans receivable	2,294,467,000		1,853,422,000
Allowance for credit losses	(25,146,000)	$ (25,632,000)	(19,882,000)	$ (19,911,000)	$ (20,908,000)	$ (19,843,000)
Net loans receivable	$ 2,269,321,000		$ 1,833,540,000
Percent of Loans	100.00%		100.00%
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 415,215,000		$ 352,342,000
Allowance for credit losses	$ (2,954,000)	(3,112,000)	$ (2,271,000)	(1,117,000)	(1,011,000)	(1,146,000)
Percent of Loans	18.10%		19.00%
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 1,061,486,000		$ 750,249,000
Allowance for credit losses	$ (11,555,000)	(11,038,000)	$ (7,534,000)	(9,400,000)	(11,039,000)	(11,406,000)
Percent of Loans	46.30%		40.50%
Agricultural Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 63,772,000		$ 59,202,000
Allowance for credit losses	$ (516,000)	(544,000)	$ (395,000)	(23,000)	(39,000)	(48,000)
Percent of Loans	2.80%		3.20%
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 122,651,000		$ 85,393,000
Allowance for credit losses	$ (1,685,000)	(2,240,000)	$ (1,471,000)	(1,316,000)	(1,163,000)	(884,000)
Percent of Loans	5.30%		4.60%
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 224,619,000		$ 229,849,000
Allowance for credit losses	$ (3,369,000)	(3,589,000)	$ (3,011,000)	(2,087,000)	(1,933,000)	(1,732,000)
Percent of Loans	9.80%		12.40%
Other Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 21,787,000		$ 26,430,000
Percent of Loans	0.90%		1.40%
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 385,571,000		$ 350,410,000
Allowance for credit losses	$ (4,855,000)	$ (4,885,000)	$ (4,918,000)	$ (5,790,000)	$ (5,559,000)	$ (4,465,000)
Percent of Loans	16.80%		18.90%

Basis of Presentation	9 Months Ended
Sep. 30, 2026
Basis of Presentation [Abstract]
Basis of Presentation	1. Basis of Presentation The unaudited consolidated financial statements include the accounts of Norwood Financial Corp (the “Company”) and its wholly-owned subsidiary, Wayne Bank (the “Bank”), and the Bank’s wholly-owned subsidiaries, WCB Realty Corp., Norwood Investment Corp., and WTRO Properties, Inc. All significant intercompany accounts and transactions have been eliminated in consolidation. The accompanying unaudited consolidated financial statements have been prepared in conformity with generally accepted accounting principles for interim financial statements and with instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. Actual results could differ from those estimates. The financial statements reflect, in the opinion of management, all normal, recurring adjustments necessary to present fairly the consolidated financial position and results of operations of the Company. The operating results for the three-month and nine-month periods ended September 30, 2026, are not necessarily indicative of the results that may be expected for the year ending December 31, 2026 or any other future interim period.

Basis of Presentation

9 Months Ended

Sep. 30, 2026

Basis of Presentation [Abstract]

Basis of Presentation

1. Basis of Presentation

The unaudited consolidated financial statements include the accounts of Norwood Financial Corp (the “Company”) and its wholly-owned subsidiary, Wayne Bank (the “Bank”), and the Bank’s wholly-owned subsidiaries, WCB Realty Corp., Norwood Investment Corp., and WTRO Properties, Inc. All significant intercompany accounts and transactions have been eliminated in consolidation.

The accompanying unaudited consolidated financial statements have been prepared in conformity with generally accepted accounting principles for interim financial statements and with instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. Actual results could differ from those estimates. The financial statements reflect, in the opinion of management, all normal, recurring adjustments necessary to present fairly the consolidated financial position and results of operations of the Company. The operating results for the three-month and nine-month periods ended September 30, 2026, are not necessarily indicative of the results that may be expected for the year ending December 31, 2026 or any other future interim period.

Consolidated Statements Of Cash Flows - USD ($)

9 Months Ended

Sep. 30, 2026

Sep. 30, 2025

CASH FLOWS FROM OPERATING ACTIVITIES

Net income

$ 24,821,000

$ 20,313,000

Adjustments to reconcile net income to net cash provided by operating activities:

Provision for credit losses

3,503,000

1,305,000

Depreciation

1,309,000

1,020,000

Amortization of intangible assets

493,000

42,000

Deferred income taxes

(40,000)

(1,334,000)

Net accretion of securities premiums and discounts

(906,000)

(470,000)

Earnings and proceeds on life insurance policies

(974,000)

(820,000)

Loss (gains) on sales and write-downs of fixed assets and foreclosed real estate owned, net

71,000

(9,000)

Net amortization of loan fees

487,000

577,000

Net gain on sale of loans

(188,000)

(242,000)

Mortgage loans originated for sale

(7,810,000)

(9,823,000)

Proceeds from sale of loans originated for sale

7,998,000

10,065,000

Compensation expense related to stock options

222,000

186,000

Compensation expense related to restricted stock

405,000

350,000

Increase (decrease) in accrued interest receivable

121,000

(220,000)

Decrease in accrued interest payable

(2,643,000)

(2,792,000)

Other, net

6,518,000

7,044,000

Net cash provided by operating activities

33,387,000

25,192,000

Securities available for sale:

Proceeds from maturities and principal reductions on mortgage-backed securities

49,316,000

41,714,000

Purchases

(73,974,000)

(35,473,000)

Purchase of regulatory stock

(7,606,000)

(14,245,000)

Redemption of regulatory stock

7,812,000

21,448,000

Net increase in loans

(97,020,000)

(97,316,000)

Proceeds from bank-owned life insurance

1,656,000

Purchase of bank owned life insurance

(7,000,000)

Purchase of premises and equipment

(1,268,000)

(3,646,000)

Acquisition, net of cash and cash equivalents acquired

57,020,000

Net cash used in investing activities

(72,720,000)

(85,862,000)

CASH FLOWS FROM FINANCING ACTIVITIES

Net increase in deposits

73,739,000

214,805,000

Net increase (decrease) in short-term borrowings

41,410,000

(113,069,000)

Repayments of other borrowings

(38,528,000)

(69,722,000)

Proceeds from other borrowings

155,000

40,000,000

Stock options exercised

956,000

14,000

Purchase of treasury stock

(1,000)

(349,000)

Proceeds from capital issuance

166,000

Cash dividends paid

(10,476,000)

(8,618,000)

Net cash provided by financing activities

67,421,000

63,061,000

Increase in cash and cash equivalents

28,088,000

2,391,000

CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD

44,436,000

72,339,000

CASH AND CASH EQUIVALENTS, END OF PERIOD

72,524,000

74,730,000

Cash payments for:

Interest on deposits and borrowings

42,570,000

38,894,000

Income taxes paid, net of refunds

4,795,000

1,371,000

Supplemental Schedule of Noncash Investing Activities:

Transfers of loans to foreclosed real estate and repossession of other assets

2,038,000

2,448,000

Dividends payable

3,493,000

$ 2,871,000

Right of use for operating leases

1,596,000

Lease liability for operating leases

1,596,000

Merger with PB Bankshares

Fair Value of assets acquired in business combination, excluding cash

^[1]

415,124,000

Goodwill recorded

^[1]

7,109,000

Fair Value of liabilities assumed in business combination

^[1]

407,217,000

Fair Value of shares issued in business combination

^[1]

$ 44,266,000

[1]	Includes impact of PB Bankshares acquisition on January 5, 2026. See Note 13 to the Consolidated Financial Statements for more information.

Acquisition of PB Bankshares, Inc. and Presence Bank (Narrative) (Details) - USD ($)		9 Months Ended
	Jan. 05, 2026	Sep. 30, 2026	Dec. 31, 2025
Business Acquisition [Line Items]
Goodwill		$ 36,375,000	$ 29,266,000
PB Bankshares, Inc. [Member]
Business Acquisition [Line Items]
Business combination, Acquiree share percent	80.00%
Business combination, Consideration transferred cash paid percent	20.00%
Cash paid per share	$ 19.75
Business Acquisition, shares exchanged	0.7850
Total consideration	$ 56,000,000.0
Goodwill	7,109,000
Allowance for credit losses for acquired loans	4,300,000
Provision for credit losses expense For acquired loans	$ 0
Percentage of PSL loans out of loans acquired	91.40%
Percentage of PCD loans out of loans acquired	8.60%
Amortization period for acquired core deposit intangibles		10 years

Loans Receivable and Allowance for Credit Losses (Loan Portfolio Summarized by the Past Due Status) (Details) - USD ($)	Sep. 30, 2026	Dec. 31, 2025
Financing Receivable, Past Due [Line Items]
Loans	$ 2,295,101,000	$ 1,853,875,000
Non-Accrual	16,774,000	6,216,000
Total Past Due and Non-Accrual	21,320,000	16,053,000
Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	2,273,781,000	1,837,822,000
Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	3,238,000	8,540,000
Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	1,308,000	1,174,000
Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans		123,000
Residential Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans	415,215,000	352,342,000
Non-Accrual	1,610,000	919,000
Total Past Due and Non-Accrual	2,084,000	1,631,000
Residential Real Estate Loans [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	413,131,000	350,711,000
Residential Real Estate Loans [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	233,000	438,000
Residential Real Estate Loans [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	241,000	274,000
Commercial Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans	1,061,486,000	750,249,000
Non-Accrual	11,016,000	4,064,000
Total Past Due and Non-Accrual	13,393,000	9,348,000
Commercial Real Estate Loans [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	1,048,093,000	740,901,000
Commercial Real Estate Loans [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	1,432,000	4,850,000
Commercial Real Estate Loans [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	945,000	434,000
Agricultural Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans	63,772,000	59,202,000
Non-Accrual	2,144,000
Total Past Due and Non-Accrual	2,144,000	129,000
Agricultural Real Estate Loans [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	61,628,000	59,073,000
Agricultural Real Estate Loans [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans		83,000
Agricultural Real Estate Loans [Member] \| Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans		46,000
Construction Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans	122,651,000	85,393,000
Non-Accrual	15,000	34,000
Total Past Due and Non-Accrual	15,000	34,000
Construction Real Estate Loans [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	122,636,000	85,359,000
Commercial Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans	224,619,000	229,849,000
Non-Accrual	420,000	68,000
Total Past Due and Non-Accrual	651,000	1,775,000
Commercial Loans [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	223,968,000	228,074,000
Commercial Loans [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	185,000	1,618,000
Commercial Loans [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	46,000	33,000
Commercial Loans [Member] \| Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans		56,000
Other Agricultural Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans	21,787,000	26,430,000
Non-Accrual	188,000
Total Past Due and Non-Accrual	313,000	841,000
Other Agricultural Loans [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	21,474,000	25,589,000
Other Agricultural Loans [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	125,000	772,000
Other Agricultural Loans [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans		69,000
Consumer Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans	385,571,000	350,410,000
Non-Accrual	1,381,000	1,131,000
Total Past Due and Non-Accrual	2,720,000	2,295,000
Consumer Loans [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	382,851,000	348,115,000
Consumer Loans [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	1,263,000	862,000
Consumer Loans [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	$ 76,000	281,000
Consumer Loans [Member] \| Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans		$ 21,000

Off-Balance Sheet Financial Instruments and Guarantees

9 Months Ended

Sep. 30, 2026

Off-Balance Sheet Financial Instruments and Guarantees [Abstract]

Off-Balance Sheet Financial Instruments and Guarantees

6. Off-Balance Sheet Financial Instruments and Guarantees

The Bank is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheets.

The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and letters of credit is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.

A summary of the Bank’s financial instrument commitments is as follows:



(in thousands)	September 30,
	2026		2025
Commitments to grant loans	$	89,931	$	84,905
Unfunded commitments under lines of credit		197,904		156,585
Standby letters of credit		16,927		5,835
	$	304,762	$	247,325

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amount does not necessarily represent future cash requirements. The Bank evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the customer and generally consists of real estate.

The Bank does not issue any guarantees that would require liability recognition or disclosure, other than its standby letters of credit. Standby letters of credit written are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Generally, all letters of credit, when issued, have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers. The Bank, generally, holds collateral and/or personal guarantees supporting these commitments. Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees.

The allowance for credit loss on off-balance sheet commitments were $296,000 and $267,000, respectively, at September 30, 2026 and December 31, 2025.

- Definition

The entire disclosure for each guarantee obligation, or each group of similar guarantee obligations, including (a) the nature of the guarantee, including its term, how it arose, and the events or circumstances that would require the guarantor to perform under the guarantee; (b) the maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee; (c) the current carrying amount of the liability, if any, for the guarantor's obligations under the guarantee; and (d) the nature of any recourse provisions under the guarantee, and any assets held either as collateral or by third parties, and any relevant related party disclosure. Excludes disclosures about product warranties.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477314/942-235-S99-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-4

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.12-04(a))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-4

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)(5)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-4

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-4

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-4

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-4

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-4

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/460/tableOfContent

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-4

+ Details

Stock-Based Compensation (Tables)

9 Months Ended

Sep. 30, 2026

Stock-Based Compensation [Abstract]

Summary of Stock Option Activity



		Weighted
		Average Exercise		Weighted Average		Aggregate
		Price		Remaining		Intrinsic Value
	Options	Per Share		Contractual Term		($000)
Outstanding at January 1, 2026	234,871	$	29.98	6.37	Yrs.	$	134
Granted	—		—	—
Exercised	(34,021)		27.91	4.20
Forfeited	(9,500)		32.31	4.98
Outstanding at September 30, 2026	191,350	$	30.23	5.97	Yrs.	$	929
Exercisable at September 30, 2026	152,850	$	30.34	5.16	Yrs.	$	729

Summary of Restricted Stock Activity



	2026			2025
		Weighted-			Weighted-
		Average			Average
	Number of	Grant Date		Number of	Grant Date
	Restricted			Restricted
	Stock	Fair Value		Stock	Fair Value
Non-vested, January 1,	58,127	$	29.12	54,484	$	28.55
Granted	—		—	1,220		26.44
Vested	(501)		25.39	(5,627)		27.01
Forfeited	—		—	(2,147)		28.99
Non-vested, September 30,	57,626	$	29.15	47,930	$	28.66

Fair Value of Assets and Liabilities (Tables)

9 Months Ended

Sep. 30, 2026

Fair Value of Assets and Liabilities [Abstract]

Fair Value, Assets and Liabilities Measured on Recurring Basis



	Fair Value Measurement Using
	Reporting Date
Description	Total		Level 1		Level 2		Level 3
September 30, 2026	(In thousands)
ASSETS
Available for Sale:
U.S. Treasury securities	$	24,365	$	24,365	$	-	$	-
U.S. Government agencies		7,557		-		7,557		-
States and political subdivisions		83,736		-		83,736		-
Corporate obligations		23,892		-		23,892		-
Mortgage-backed securities-government
sponsored entities		289,942		-		289,942		-
Interest rate swaps		959		-		959		-

LIABILITIES
Interest rate swaps		959		-		959		-

Description	Total		Level 1		Level 2		Level 3
December 31, 2025	(In thousands)
ASSETS
Available for Sale:
U.S. Treasury securities	$	20,857	$	20,857	$	-	$	-
U.S. Government agencies		7,675		-		7,675		-
States and political subdivisions		92,500		-		92,500		-
Corporate obligations		13,551		-		13,551		-
Mortgage-backed securities-government
sponsored entities		274,199		-		274,199		-
Interest rate swaps		771		-		771		-

LIABILITIES
Interest rate swaps		771		-		771		-

Fair Value, Assets and Liabilities Measured on Nonrecurring Basis



			Fair Value Measurement Using Reporting Date

(In thousands)

Description	Total		Level 1		Level 2		Level 3
September 30, 2026
Individually analyzed loans held for investment	$	18,635	$	-	$	-	$	18,635
Foreclosed Real Estate Owned		771		-		-		771
December 31, 2025
Individually analyzed loans held for investment	$	7,923	$	-	$	-	$	7,923
Foreclosed Real Estate Owned		771		-		-		771

Additional Qualitative Information about Level 3 Assets



	Quantitative Information about Level 3 Fair Value Measurements
(dollars in thousands)	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)
September 30, 2026
Individually analyzed loans held for investment	$	18,635	Appraisal of collateral(1)	Appraisal adjustments(2)	0%-57.50% (9.26%)
Foreclosed real estate owned	$	771	Appraisal of collateral(1)	Liquidation Expenses(2)	1.1% (1.1%)



	Quantitative Information about Level 3 Fair Value Measurements
(dollars in thousands)	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)
December 31, 2025
Individually analyzed loans held for investment	$	7,923	Appraisal of collateral(1)	Appraisal adjustments(2)	0%-20.0% (7.51%)

Foreclosed real estate owned	$	771	Appraisal of collateral(1)	Liquidation Expenses(2)	1.1% (1.1%)

(1)Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable, less any associated allowance.

(2)Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

Fair Value, by Balance Sheet Grouping



	Fair Value Measurements at September 30, 2026
					Quoted Prices in Active ‎Markets for Identical Assets		Significant Other Observable ‎Inputs		Significant Unobservable Inputs
	Carrying Amount		Fair Value		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents (1)	$	72,524	$	72,524	$	72,524	$	-	$	-
Loans receivable, net		2,269,321		2,273,088		-		-		2,273,088
Mortgage servicing rights		241		703		-		-		703
Regulatory stock (1)		8,460		8,460		8,460		-		-
Bank owned life insurance (1)		62,738		62,738		62,738		-		-
Accrued interest receivable (1)		10,609		10,609		10,609		-		-
Financial liabilities:
Deposits		2,508,980		2,500,681		1,481,905		-		1,018,776
Short-term borrowings (1)		56,124		56,124		56,124		-		-
Other borrowings		62,728		59,244		-		-		59,244
Accrued interest payable (1)		10,467		10,467		10,467		-		-



	Fair Value Measurements at December 31, 2025
	Carrying Amount		Fair Value		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents (1)	$	44,436	$	44,436	$	44,436	$	-	$	-
Loans receivable, net		1,833,540		1,841,753		-		-		1,841,753
Mortgage servicing rights		238		673		-		-		673
Regulatory stock (1)		6,623		6,623		6,623		-		-
Bank owned life insurance (1)		46,089		46,089		46,089		-		-
Accrued interest receivable (1)		9,250		9,250		9,250		-		-
Financial liabilities:
Deposits		2,078,645		2,076,705		1,213,279		-		863,426
Short-term borrowings (1)		14,714		14,714		14,714		-		-
Other borrowings		59,419		59,635		-		-		59,635
Accrued interest payable (1)		12,138		12,138		12,138		-		-

(1)This financial instrument is carried at cost, which approximates the fair value of the instrument.

Securities (Schedule of Amortized Cost Gross Unrealized Gains and Losses, and Fair Values of Securities) (Details) - USD ($)	Sep. 30, 2026	Dec. 31, 2025
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	$ 480,784,000	$ 436,493,000
Available for Sale, Gross Unrealized Gains	250,000	2,975,000
Available for Sale, Gross Unrealized Losses	(51,542,000)	(30,686,000)
Available for Sale, Fair Value	429,492,000	408,782,000
U.S. Treasury Securities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	24,881,000	20,834,000
Available for Sale, Gross Unrealized Gains		32,000
Available for Sale, Gross Unrealized Losses	(516,000)	(9,000)
Available for Sale, Fair Value	24,365,000	20,857,000
U.S. Government Agencies [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	8,000,000	8,000,000
Available for Sale, Gross Unrealized Gains		26,000
Available for Sale, Gross Unrealized Losses	(443,000)	(351,000)
Available for Sale, Fair Value	7,557,000	7,675,000
States And Political Subdivisions [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	105,916,000	107,164,000
Available for Sale, Gross Unrealized Gains		1,000
Available for Sale, Gross Unrealized Losses	(22,180,000)	(14,665,000)
Available for Sale, Fair Value	83,736,000	92,500,000
Corporate Obligations [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	23,774,000	13,545,000
Available for Sale, Gross Unrealized Gains	226,000	96,000
Available for Sale, Gross Unrealized Losses	(108,000)	(90,000)
Available for Sale, Fair Value	23,892,000	13,551,000
Mortgage-backed Securities-Government Sponsored Entities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	318,213,000	286,950,000
Available for Sale, Gross Unrealized Gains	24,000	2,820,000
Available for Sale, Gross Unrealized Losses	(28,295,000)	(15,571,000)
Available for Sale, Fair Value	$ 289,942,000	$ 274,199,000

Earnings Per Share (Schedule of Weighted Average Shares Outstanding used in the Computations of Basic and Diluted Earnings Per Share) (Details) - shares shares in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Weighted Average Number of Shares Outstanding, Basic [Abstract]
Weighted average shares outstanding	10,904	9,364	10,874	9,263
Less: Unvested restricted shares	(58)	(48)	(57)	(102)
Basic EPS weighted average shares outstanding	10,846	9,316	10,817	9,161
Basic EPS weighted average shares outstanding	10,846	9,316	10,817	9,161
Add: Dilutive effect of stock options and restricted shares	24	1	24	3
Diluted EPS weighted average shares outstanding	10,870	9,317	10,841	9,164

Off-Balance Sheet Financial Instruments and Guarantees (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Off-Balance Sheet Financial Instruments and Guarantees [Abstract]
ACL for off-balance sheet commitments	$ 296	$ 267

Stock-Based Compensation (Summary of Stock Option Activity) (Details) $ / shares in Units, $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2026 USD ($) $ / shares shares	Dec. 31, 2025 USD ($) $ / shares shares
Stock-Based Compensation [Abstract]
Options, beginning of year \| shares	234,871
Options, Exercised \| shares	(34,021)
Options, Forfeited \| shares	(9,500)
Options, end of year \| shares	191,350	234,871
Options, Exercisable, end of period \| shares	152,850
Weighted Average Exercise Price Per Share, Outstanding, beginning of period \| $ / shares	$ 29.98
Weighted Average Exercise Price Per Share, Exercised \| $ / shares	27.91
Weighted Average Exercise Price Per Share, Forfeited \| $ / shares	32.31
Weighted Average Exercise Price Per Share, Outstanding, end of period \| $ / shares	30.23	$ 29.98
Weighted Average Exercise Price Per Share, Exercisable, end of period \| $ / shares	$ 30.34
Weighted Average Remaining Contractual Term, Outstanding	5 years 11 months 19 days	6 years 4 months 13 days
Weighted Average Remaining Contractual Term, Exercised During Period	4 years 2 months 12 days
Weighted Average Remaining Contractual Term, Forfeited During Period	4 years 11 months 23 days
Weighted Average Remaining Contractual Term, Exercisable at End of Period	5 years 1 month 28 days
Aggregate Intrinsic Value, Outstanding, beginning of period \| $	$ 134
Aggregate Intrinsic Value, Outstanding, end of period \| $	929	$ 134
Aggregate Intrinsic Value, Exercisable at end of period \| $	$ 729

Stock-Based Compensation (Narrative) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025	Dec. 31, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense related to stock options	$ 74,000	$ 62,000	$ 222,000	$ 186,000
Share price	$ 33.04	$ 25.42	$ 33.04	$ 25.42	$ 28.05
Future compensation expense of non-vested restricted stock outstanding	$ 1,284,000		$ 1,284,000
Non-vested stock outstanding	57,626	47,930	57,626	47,930	58,127	54,484
Non-vested restricted stock recognition period			4 years 3 months
Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted			0
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost	$ 134,000	$ 117,000	$ 405,000	$ 350,000
Norwood Financial Corp 2024 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost related to non-vested options granted	$ 74,000		$ 74,000

Revenue Recognition

9 Months Ended

Sep. 30, 2026

Revenue Recognition [Abstract]

Revenue Recognition

2. Revenue Recognition

Under ASC Topic 606, management determined that the primary sources of revenue emanating from interest and dividend income on loans and investments along with noninterest revenue resulting from investment security gains, loan servicing, gains on the sale of loans sold and earnings on bank-owned life insurance are not within the scope of this Topic.

The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three-month and nine-month periods ended September 30:



	Three months ended
	September 30,
(dollars in thousands)
Noninterest Income	2026		2025
In-scope of Topic 606:
Service charges on deposit accounts	$	133	$	121
ATM fees		49		50
Overdraft fees		472		399
Safe deposit box rental		16		22
Loan related service fees		277		181
Debit card fees		745		634
Fiduciary activities		265		254
Commissions on mutual funds and annuities		265		188
Other income		259		193
Noninterest Income (in-scope of Topic 606)		2,481		2,042
Out-of-scope of Topic 606:
Loan servicing fees		47		65
Gains on sales of loans		58		130
Earnings on and proceeds from bank-owned life insurance		334		268
Noninterest Income (out-of-scope of Topic 606)		439		463
Total Noninterest Income	$	2,920	$	2,505



	Nine months ended
	September 30,
(dollars in thousands)
Noninterest Income	2026		2025
In-scope of Topic 606:
Service charges on deposit accounts	$	427	$	348
ATM fees		131		205
Overdraft fees		1,349		1,146
Safe deposit box rental		70		68
Loan related service fees		635		462
Debit card fees		2,126		1,777
Fiduciary activities		751		805
Commissions on mutual funds and annuities		547		528
Other income		824		551
Noninterest Income (in-scope of Topic 606)		6,860		5,890
Out-of-scope of Topic 606:
Loan servicing fees		140		153
Gains on sales of loans		188		242
Earnings on and proceeds from bank-owned life insurance		974		820
Noninterest Income (out-of-scope of Topic 606)		1,302		1,215
Total Noninterest Income	$	8,162	$	7,105

- Definition

The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-7

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-9

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-10

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-15

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-13

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Topic 606
-Publisher FASB
-URI https://asc.fasb.org/606/tableOfContent

+ Details

Acquisition of PB Bankshares, Inc. and Presence Bank (Tables)

9 Months Ended

Sep. 30, 2026

Acquisition of PB Bankshares, Inc. and Presence Bank [Abstract]

Summary of Purchase Price


(Dollars in Thousands, Except Per Share Data)

Purchase Price Consideration - Common Stock (excluding ESOP Loan Settlement)
PB Bankshares, Inc. common shares settled for common stock		2,648,186
PB Bankshares, Inc. common shares to be exchanged for stock consideration - 80% of adjusted shares outstanding		2,118,549
Exchange Ratio		0.7850
Norwood Financial Corp. shares to be issued in the merger and excludes fractional shares		1,662,933
Fair Value price per share of Norwood Financial Corp. common stock	$	28.00
Fair value of Purchase Price Consideration for Common Stock Issued			$	46,562
Shares used to terminate ESOP Loan - recorded as Norwood Treasury Shares
ESOP Loan Balance		2,296
Norwood Financial Corp. closing stock price	$	28.28
Shares of Norwood Financial Corp., Common Stock to pay off ESOP Loan		(81,201)
Impact of ESOP Loan Settlement				(2,296)
Total Fair Value of Purchase Price Consideration for Common Stock				44,266

Fair Value of Purchase Price Cash Consideration
PB Bankshares, Inc. common shares settled for cash		529,637
Purchase price assigned to cash consideration	$	19.75
Cash consideration for Common Stock				10,460

Cash in lieu of fractional shares				4

Purchase Price Consideration in Cash for PB Bankshares, Inc.'s Outstanding Stock Options
PB Bankshares, Inc. stock options outstanding		169,144
Cash price to pay out options	$	19.75
Weighted average strike price for options	$	12.28
In-the-money value for PB Bankshares, Inc. stock	$	7.47
Purchase price assigned to PB Bankshares, Inc. stock				1,264
Total Purchase Price Assigned to Cash Consideration				11,728
Total Purchase Price for Accounting Purposes				55,994

Summary of Consideration Transferred and Fair Value of Assets Acquired, and Liabilities Assumed


(Dollars in Thousands)

Total Purchase Price For Accounting Purposes			$	55,994

Recognized amounts of identifiable assets acquired and liabilities assumed, at fair value
Cash and cash equivalents	$	40,979
Federal funds		27,769
Securities, available for sale		18,787
Loans Gross		346,569
Allowance for credit losses		(4,264)
Loans, net of allowance		342,305
Bank owned life insurance		8,676
Premises		1,828
Furniture, fixtures and equipment		554
Accrued interest receivable		1,480
Restricted investment in bank stock		2,009
Deferred tax asset		3,337
Core deposit intangible		3,386
Operating lease right of use asset		1,246
Other asset		3,747
Total identifiable assets acquired at fair value		456,103

Deposits		356,596
Borrowings		41,644
Accrued interest payable		972
Operating lease liability		1,240
Reserve for unfunded commitments		115
Other liabilities		6,650
Total liabilities assumed		407,217
Total identifiable net assets, at fair value				48,886
Goodwill			$	7,109

Fair Value of PCD Loans


		PCD Accruing		PCD Non-Accruing		Total PCD Loans
		1/5/2026		1/5/2026		1/5/2026
Par Value of acquired PCD Loans	$	29,246	$	1,415	$	30,661
Allowance for credit losses at acquisition		411		-		411
Non-Credit discount (premium) at acquisition		(1,247)		(1,047)		(2,294)
Purchase price PCD Loans	$	28,410	$	368	$	28,778

- Definition

Tabular disclosure of business combination. Includes, but is not limited to, recognized asset and liability.

+ References + Details

Off-Balance Sheet Financial Instruments and Guarantees (Schedule of Fair Value, Off-balance Sheet Risks) (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025
Loss Contingencies [Line Items]
Financial instrument commitments	$ 304,762	$ 247,325
Commitments to Grant Loans [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	89,931	84,905
Unfunded Commitments Under Lines of Credit [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	197,904	156,585
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	$ 16,927	$ 5,835

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-9

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-4

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-9

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 720
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483359/720-20-50-1

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 27
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482395/460-10-55-27

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-9

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-4

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-3

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-1

+ Details

Loans Receivable and Allowance for Credit Losses (Narrative) (Details)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2026 USD ($)	Sep. 30, 2025 USD ($)	Sep. 30, 2026 USD ($) item loan property	Sep. 30, 2025 USD ($)	Dec. 31, 2025 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for credit losses	$ 233,000	$ (392,000)	$ 3,589,000	$ 1,372,000
Number of additions to foreclosed real estate category \| item			0
One-time acquisition adjustment			$ 4,263,000
Financing Receivable, before Allowance for Credit Loss	2,295,101,000		2,295,101,000		$ 1,853,875,000
Foreclosed real estate owned	771,000		$ 771,000		771,000
Number of loan modifications to borrowers experiencing financial difficulty \| loan			18
Charge offs	767,000	649,000	$ 2,795,000	1,529,000
Hotels/Motels [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Charge offs			0
Commercial Rentals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Charge offs			10,000
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for credit losses	(158,000)	166,000	535,000	31,000
Outstanding balance	120,000		120,000
One-time acquisition adjustment			124,000
Financing Receivable, before Allowance for Credit Loss	415,215,000		$ 415,215,000		352,342,000
Number of properties under foreclosure proceedings \| property			4
Charge offs		63,000		63,000
Residential Real Estate Loans [Member] \| Residential Rentals [Member] \| Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, before Allowance for Credit Loss	175,615,000		$ 175,615,000		$ 116,639,000
Concentration Risk, Percentage			7.65%		6.32%
Residential Real Estate Loans [Member] \| Hotels/Motels [Member] \| Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, before Allowance for Credit Loss	194,500,000		$ 194,500,000
Concentration Risk, Percentage			8.50%
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for credit losses	541,000	(1,634,000)	$ 1,344,000	(1,952,000)
One-time acquisition adjustment			3,425,000
Financing Receivable, before Allowance for Credit Loss	1,061,486,000		1,061,486,000		$ 750,249,000
Charge offs	25,000	13,000	765,000	62,000
Commercial Real Estate Loans [Member] \| Commercial Rentals [Member] \| Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, before Allowance for Credit Loss	302,253,000		$ 302,253,000		$ 178,684,000
Concentration Risk, Percentage			13.17%		9.68%
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for credit losses	645,000	691,000	$ 1,819,000	2,483,000
One-time acquisition adjustment			(9,000)
Financing Receivable, before Allowance for Credit Loss	385,571,000		385,571,000		$ 350,410,000
Charge offs	716,000	$ 490,000	1,979,000	$ 1,273,000
Consumer Loans [Member] \| Hotels/Motels [Member] \| Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 194,470,000		$ 194,470,000		$ 125,089,000
Concentration Risk, Percentage			8.48%		6.78%
All Other Portfolios [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for credit losses			$ 109,000
Minimum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Annual Loan Review threshold, amount			$ 1,500,000

Loans Receivable and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2026

Loans Receivable and Allowance for Credit Losses [Abstract]

Composition of the Loan Portfolio



	September 30, 2026				December 31, 2025
Real Estate Loans:
Residential	$	415,215	18.1	%	$	352,342	19.0	%
Commercial		1,061,486	46.3			750,249	40.5
Agricultural		63,772	2.8			59,202	3.2
Construction		122,651	5.3			85,393	4.6
Commercial loans		224,619	9.8			229,849	12.4
Other agricultural loans		21,787	0.9			26,430	1.4
Consumer loans to individuals		385,571	16.8			350,410	18.9
Total loans		2,295,101	100.0	%		1,853,875	100.0	%
Deferred fees, net		(634)				(453)
Total loans receivable		2,294,467				1,853,422
Allowance for credit losses		(25,146)				(19,882)
Net loans receivable	$	2,269,321			$	1,833,540

Loan Portfolio Summarized by the Past Due Status



	Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing			Non-accrual	Total Past Due and Non-Accrual		Total Loans
September 30, 2026
Real Estate loans
Residential	$	413,131	$	233	$	241	$	-	$	1,610	$	2,084	$	415,215
Commercial		1,048,093		1,432		945		-		11,016		13,393		1,061,486
Agricultural		61,628		-		-		-		2,144		2,144		63,772
Construction		122,636		-		-		-		15		15		122,651
Commercial loans		223,968		185		46		-		420		651		224,619
Other agricultural loans		21,474		125		-		-		188		313		21,787
Consumer loans		382,851		1,263		76		-		1,381		2,720		385,571
Total	$	2,273,781	$	3,238	$	1,308	$	-	$	16,774	$	21,320	$	2,295,101



	Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing			Non-accrual	Total Past Due and Non-Accrual			Total Loans
December 31, 2025
Real Estate loans
Residential	$	350,711	$	438	$	274	$	-	$	919	$	1,631	$	352,342
Commercial		740,901		4,850		434		-		4,064		9,348		750,249
Agricultural		59,073		-		83		46		-		129		59,202
Construction		85,359		-		-		-		34		34		85,393
Commercial loans		228,074		1,618		33		56		68		1,775		229,849
Other agricultural loans		25,589		772		69		-		-		841		26,430
Consumer loans		348,115		862		281		21		1,131		2,295		350,410
Total	$	1,837,822	$	8,540	$	1,174	$	123	$	6,216	$	16,053	$	1,853,875

Allowance for Credit Losses and Recorded Investment in Financing Receivables


(In thousands)	Residential Real Estate		Commercial Real Estate			Agricultural Real Estate		Construction	Commercial			Other Agricultural	Consumer		Total
Beginning balance, December 31, 2025	$	2,271	$	7,534	$	395	$	1,471	$	3,011	$	282	$	4,918	$	19,882
Acquisition adjustment		124		3,425		62		188		457		16		(9)		4,263
Charge offs		-		(765)		-		-		(51)		-		(1,979)		(2,795)
Recoveries		24		17		-		-		60		-		106		207
(Release of) Provision for credit losses		535		1,344		59		26		(108)		(86)		1,819		3,589
Ending balance, September 30, 2026	$	2,954	$	11,555	$	516	$	1,685	$	3,369	$	212	$	4,855	$	25,146


(In thousands)	Residential Real Estate		Commercial Real Estate			Agricultural Real Estate		Construction	Commercial			Other Agricultural	Consumer		Total
Beginning balance, June 30, 2026	$	3,112	$	11,038	$	544	$	2,240	$	3,589	$	224	$	4,885	$	25,632
Acquisition adjustment		-		-		-		-		-		-		-		-
Charge offs		-		(25)		-		-		(26)		-		(716)		(767)
Recoveries		-		1		-		-		6		-		41		48
(Release of) Provision for credit losses		(158)		541		(28)		(555)		(200)		(12)		645		233
Ending balance, September 30, 2026	$	2,954	$	11,555	$	516	$	1,685	$	3,369	$	212	$	4,855	$	25,146



(In thousands)	Residential Real Estate		Commercial Real Estate			Agricultural Real Estate		Construction	Commercial			Other Agricultural	Consumer		Total
Beginning balance, December 31, 2024	$	1,146	$	11,406	$	48	$	884	$	1,732	$	162	$	4,465	$	19,843
Charge offs		(63)		(62)		-		-		(83)		(48)		(1,273)		(1,529)
Recoveries		3		8		-		-		99		-		115		225
(Release of) Provision for credit losses		31		(1,952)		(25)		432		339		64		2,483		1,372
Ending balance, September 30, 2025	$	1,117	$	9,400	$	23	$	1,316	$	2,087	$	178	$	5,790	$	19,911



(In thousands)	Residential Real Estate		Commercial Real Estate			Agricultural Real Estate		Construction	Commercial			Other Agricultural	Consumer		Total
Beginning balance, June 30, 2025	$	1,011	$	11,039	$	39	$	1,163	$	1,933	$	164	$	5,559	$	20,908
Charge offs		(63)		(13)		-		-		(83)		-		(490)		(649)
Recoveries		3		8		-		-		3		-		30		44
(Release of) Provision for credit losses		166		(1,634)		(16)		153		234		14		691		(392)
Ending balance, September 30, 2025	$	1,117	$	9,400	$	23	$	1,316	$	2,087	$	178	$	5,790	$	19,911

Summary of Carrying Value of Loan on Nonaccrual Status


		Nonaccrual		Nonaccrual				Loans Past Due
		with no		with		Total		Over 90 Days		Total
	ACL		ACL		Nonaccrual		Still Accruing		Nonperforming
September 30, 2026
Real Estate loans
Residential	$	1,610	$	-	$	1,610	$	-	$	1,610
Commercial		10,997		19		11,016		-		11,016
Agricultural		2,144		-		2,144		-		2,144
Construction		15		-		15		-		15
Commercial loans		420		-		420		-		420
Other agricultural loans		188		-		188		-		188
Consumer loans		321		1,060		1,381		-		1,381
Total	$	15,695	$	1,079	$	16,774	$	-	$	16,774


		Nonaccrual		Nonaccrual				Loans Past Due
		with no		with		Total		Over 90 Days		Total
	ACL		ACL		Nonaccrual		Still Accruing		Nonperforming
December 31, 2025
Real Estate loans
Residential	$	919	$	-	$	919	$	-	$	919
Commercial		4,045		19		4,064		-		4,064
Agricultural		-		-		-		46		46
Construction		34		-		34		-		34
Commercial loans		68		-		68		56		124
Other agricultural loans		-		-		-		-		-
Consumer loans		323		808		1,131		21		1,152
Total	$	5,389	$	827	$	6,216	$	123	$	6,339

Summary of Recorded Investment by Internal Risk Rating Systems

Based on the most recent analysis performed, the following table presents the recorded investment in non-homogenous pools by internal risk rating systems (in thousands):


														Revolving		Revolving
	Term Loans Amortized Costs Basis by Origination Year													Loans		Loans
														Amortized		Converted
September 30, 2026		2026		2025		2024		2023		2022		Prior		Cost Basis		to Term		Total
Commercial real estate
Risk Rating
Pass	$	144,308	$	158,216	$	105,283	$	123,834	$	137,186	$	343,305	$	25,711	$	-	$	1,037,843
Special Mention		89		48		341		624		166		5,962		274		-		7,504
Substandard		-		-		5,173		-		562		10,404		-		-		16,139
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	144,397	$	158,264	$	110,797	$	124,458	$	137,914	$	359,671	$	25,985	$	-	$	1,061,486

Commercial real estate
Current period gross charge-offs	$	-	$	-	$	-	$	25	$	-	$	740	$	-	$	-	$	765

Real Estate - Agriculture
Risk Rating
Pass	$	2,303	$	3,149	$	3,644	$	3,218	$	7,813	$	29,662	$	832	$	-	$	50,621
Special Mention		1,120		150		-		-		2,498		2,060		1,000		-		6,828
Substandard		3,512		-		1,275		-		-		1,536		-		-		6,323
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	6,935	$	3,299	$	4,919	$	3,218	$	10,311	$	33,258	$	1,832	$	-	$	63,772

Real Estate - Agriculture
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Commercial loans
Risk Rating
Pass	$	24,079	$	44,568	$	31,832	$	17,901	$	23,783	$	26,153	$	51,191	$	-	$	219,507
Special Mention		-		18		218		346		328		626		-		-		1,536
Substandard		-		-		-		778		263		1,162		1,373		-		3,576
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	24,079	$	44,586	$	32,050	$	19,025	$	24,374	$	27,941	$	52,564	$	-	$	224,619

Commercial loans
Current period gross charge-offs	$	-	$	-	$	6	$	20	$	-	$	25	$	-	$	-	$	51

Other agricultural loans
Risk Rating
Pass	$	1,265	$	2,233	$	1,620	$	836	$	1,388	$	2,871	$	6,787	$	-	$	17,000
Special Mention		-		131		357		-		456		55		-		-		999

Substandard		2,095		-		193		-		-		-		1,500		-		3,788
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	3,360	$	2,364	$	2,170	$	836	$	1,844	$	2,926	$	8,287	$	-	$	21,787

Other agricultural loans
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Total
Risk Rating
Pass	$	171,955	$	208,166	$	142,379	$	145,789	$	170,170	$	401,991	$	84,521	$	-	$	1,324,971
Special Mention		1,209		347		916		970		3,448		8,703		1,274		-		16,867
Substandard		5,607		-		6,641		778		825		13,102		2,873		-		29,826
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	178,771	$	208,513	$	149,936	$	147,537	$	174,443	$	423,796	$	88,668	$	-	$	1,371,664

‎


														Revolving		Revolving
	Term Loans Amortized Costs Basis by Origination Year													Loans		Loans
														Amortized		Converted
December 31, 2025		2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
Commercial real estate
Risk Rating
Pass	$	114,399	$	98,460	$	67,351	$	114,785	$	84,564	$	231,547	$	20,653	$	-	$	731,759
Special Mention		50		-		630		204		2,493		4,335		198		-		7,910
Substandard		-		135		-		-		2,413		7,632		400		-		10,580
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	114,449	$	98,595	$	67,981	$	114,989	$	89,470	$	243,514	$	21,251	$	-	$	750,249

Commercial real estate
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	63	$	-	$	-	$	63

Real Estate - Agriculture
Risk Rating
Pass	$	3,016	$	4,027	$	3,287	$	10,789	$	3,536	$	30,851	$	361	$	-	$	55,867
Special Mention		152		1,479		-		-		-		1,684		-		-		3,315
Substandard		-		-		-		-		-		-		20		-		20
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	3,168	$	5,506	$	3,287	$	10,789	$	3,536	$	32,535	$	381	$	-	$	59,202

Real Estate - Agriculture
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Commercial loans
Risk Rating
Pass	$	58,956	$	40,670	$	23,869	$	24,385	$	13,051	$	18,356	$	46,495	$	-	$	225,782
Special Mention		35		-		578		22		109		259		88		-		1,091
Substandard		-		6		309		317		550		794		1,000		-		2,976
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	58,991	$	40,676	$	24,756	$	24,724	$	13,710	$	19,409	$	47,583	$	-	$	229,849

Commercial loans
Current period gross charge-offs	$	-	$	-	$	-	$	100	$	-	$	-	$	-	$	-	$	100

Other agricultural loans
Risk Rating
Pass	$	3,291	$	2,706	$	1,320	$	2,330	$	1,995	$	3,423	$	7,453	$	-	$	22,518
Special Mention		-		367		-		-		-		1,281		789		-		2,437
Substandard		-		-		-		-		-		-		1,475		-		1,475
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	3,291	$	3,073	$	1,320	$	2,330	$	1,995	$	4,704	$	9,717	$	-	$	26,430

Other agricultural loans
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	48	$	-	$	-	$	48

Total
Risk Rating
Pass	$	179,662	$	145,863	$	95,827	$	152,289	$	103,146	$	284,177	$	74,962	$	-	$	1,035,926
Special Mention		237		1,846		1,208		226		2,602		7,559		1,075		-		14,753
Substandard		-		141		309		317		2,963		8,426		2,895		-		15,051
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	179,899	$	147,850	$	97,344	$	152,832	$	108,711	$	300,162	$	78,932	$	-	$	1,065,730

Summary of Recorded Investment in Loan Classes Based on Payment Activity


														Revolving		Revolving
	Term Loans Amortized Costs Basis by Origination Year													Loans		Loans
														Amortized		Converted
September 30, 2026		2026		2025		2024		2023		2022		Prior		Cost Basis		to Term		Total
Residential real estate
Payment Performance
Performing	$	24,192	$	37,399	$	40,553	$	38,098	$	55,918	$	168,512	$	48,933	$	-	$	413,605
Nonperforming		-		-		-		125		281		1,067		137		-		1,610
Total	$	24,192	$	37,399	$	40,553	$	38,223	$	56,199	$	169,579	$	49,070	$	-	$	415,215

Residential real estate
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Construction
Payment Performance
Performing	$	47,882	$	45,683	$	21,603	$	2,662	$	1,474	$	376	$	2,956	$	-	$	122,636
Nonperforming		-		-		-		-		15		-		-		-		15
Total	$	47,882	$	45,683	$	21,603	$	2,662	$	1,489	$	376	$	2,956	$	-	$	122,651

Construction
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Consumer loans to individuals
Payment Performance
Performing	$	128,317	$	108,333	$	69,779	$	42,010	$	21,284	$	13,278	$	1,189	$	-	$	384,190
Nonperforming		40		206		346		294		358		137		-		-		1,381
Total	$	128,357	$	108,539	$	70,125	$	42,304	$	21,642	$	13,415	$	1,189	$	-	$	385,571

Consumer loans to individuals
Current period gross charge-offs	$	222	$	375	$	567	$	347	$	348	$	120	$	-	$	-	$	1,979

Total
Payment Performance
Performing	$	200,391	$	191,415	$	131,935	$	82,770	$	78,676	$	182,166	$	53,078	$	-	$	920,431
Nonperforming		40		206		346		419		654		1,204		137		-		3,006
Total	$	200,431	$	191,621	$	132,281	$	83,189	$	79,330	$	183,370	$	53,215	$	-	$	923,437


														Revolving		Revolving
	Term Loans Amortized Costs Basis by Origination Year													Loans		Loans
														Amortized		Converted
December 31, 2025		2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
Residential real estate
Payment Performance
Performing	$	28,385	$	41,869	$	38,305	$	54,474	$	47,475	$	105,711	$	35,204	$	-	$	351,423
Nonperforming		-		-		125		147		170		420		57		-		919
Total	$	28,385	$	41,869	$	38,430	$	54,621	$	47,645	$	106,131	$	35,261	$	-	$	352,342

Residential real estate
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	63	$	-	$	-	$	63

Construction
Payment Performance
Performing	$	37,511	$	26,381	$	17,070	$	656	$	289	$	91	$	3,361	$	-	$	85,359
Nonperforming		-		-		-		34		-		-		-		-		34
Total	$	37,511	$	26,381	$	17,070	$	690	$	289	$	91	$	3,361	$	-	$	85,393

Construction
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Consumer loans to individuals
Payment Performance
Performing	$	137,403	$	94,951	$	61,651	$	33,145	$	9,385	$	11,363	$	1,360	$	-	$	349,258
Nonperforming		54		285		311		344		61		97		-		-		1,152
Total	$	137,457	$	95,236	$	61,962	$	33,489	$	9,446	$	11,460	$	1,360	$	-	$	350,410

Consumer loans to individuals
Current period gross charge-offs	$	26	$	458	$	685	$	419	$	151	$	94	$	-	$	-	$	1,833

Total
Payment Performance
Performing	$	203,299	$	163,201	$	117,026	$	88,275	$	57,149	$	117,165	$	39,925	$	-	$	786,040
Nonperforming		54		285		436		525		231		517		57		-		2,105
Total	$	203,353	$	163,486	$	117,462	$	88,800	$	57,380	$	117,682	$	39,982	$	-	$	788,145

Loan Modifications Made to Borrowers


Significant Payment Delay

		Amortized Cost Basis at September 30, 2026	% of Total Class of Financing Receivable		Financial Effect
		(in thousands)
Commercial real estate loans	$	683	0.06	%	Deferred principal for 4-8 months
Agricultural real estate loans		562	0.88		Deferred principal for 9 months
Commercial loans		402	0.18		Deferred principal for 7-15 months

Total	$	1,647

Term Extension

		Amortized Cost Basis at September 30, 2026	% of Total Class of Financing Receivable		Financial Effect
		(in thousands)
Commercial real estate loans	$	732	0.07	%	Added a weighted-average 5.6 years to the life of loans
Agricultural real estate loans		3,558	5.58		Added a weighted-average 19.8 years to the life of loans
Commercial loans		936	0.42		Added a weighted-average 1.1 years to the life of loans
Other agricultural loans		2,095	9.62		Added a weighted-average 10.0 years to the life of loans

Total	$	7,321


Combination - Significant Payment Delay and Term Extension

		Amortized Cost Basis at September 30, 2026	% of Total Class of Financing Receivable		Financial Effect

Commercial real estate loans	$	633	0.06	%	Deferred principal for 6-14 months and added a weighted-average 9.8 months to the life of the loans
Agricultural real estate loans		615	0.96		Deferred principal for 8-10 months and added a weighted-average 9.9 months to the life of the loans
Commercial loans		625	0.28		Deferred principal for 6-9 months and added a weighted-average 8.4 months to the life of the loans

Total	$	1,873

The following table provides the amortized cost basis of financing receivables that had a payment default during the period and were modified (in thousands):


Amortized Cost Basis of Modified Loans That Subsequently Defaulted

		Significant Payment Delay		Combination - Significant Payment Delay and Term Extension

Agricultural real estate loans	$	-	$	615
Commercial loans		142		-

	$	142	$	615

The following table depicts the performance of loans that have been modified during the period for which a payment default has occurred (in thousands):


Payment Status (Amortized Cost Basis)

		30-59 Days Past Due		60-89 Days Past Due		90 + Days Past Due		Total Past Due

Agricultural real estate loans	$	-	$	615	$	-	$	615
Commercial loans		142		-		-		142

	$	142	$	615	$	-	$	757

Summary of Loan Concentrations by Industry


Account Type		Outstanding as of September 30, 2026	Percent of Loans as of September 30, 2026

Commercial Rentals	$	302,253	13.17	%
Hotels/Motels		194,470	8.48
Residential Rentals		175,615	7.65
Fuel/Gas Stations		64,465	2.81
Builders/Contractors		57,164	2.49
Resorts		47,708	2.08
Dairy Cattle/Milk Product		39,539	1.72
Camps		32,191	1.40
Government Support		22,422	0.98
Mobile Home Park		19,353	0.84
Wineries		19,204	0.84



Account Type		Outstanding as of December 31, 2025	Percent of Loans as of December 31, 2025

Commercial Rentals	$	178,684	9.68	%
Hotels/Motels		125,089	6.78
Residential Rentals		116,639	6.32
Fuel/Gas Stations		50,337	2.73
Dairy Cattle/Milk Product		42,777	2.32
Resorts		39,435	2.14
Builders/Contractors		36,650	1.99
Government Support		29,919	1.62
Camps		22,998	1.25
Mobile Home Park		19,967	1.08
Wineries		19,935	1.08

Segment Reporting (Narrative) (Details)	9 Months Ended
Segment Reporting (Narrative) (Details)	Sep. 30, 2026 segment
Segment Reporting [Abstract]
Number of reporting segment	1
Number of operating segments	1

Acquisition of PB Bankshares, Inc. and Presence Bank (Fair Value of PCD Loans) (Details) - PB Bankshares, Inc. [Member] $ in Thousands	Jan. 05, 2026 USD ($)
Business Acquisition [Line Items]
Par Value of acquired PCD Loans, PCD Accruing	$ 29,246
Par Value of acquired PCD Loans, PCD Non-Accruing	1,415
Par Value of acquired PCD Loans, Total PCD Loans	30,661
Allowance for credit losses at acquisition, PCD Accruing	411
Allowance for credit losses at acquisition, Total PCD Loans	411
Non-Credit discount (premium) at acquisition, PCD Accruing	(1,247)
Non-Credit discount (premium) at acquisition, PCD Non-Accruing	(1,047)
Non-Credit discount (premium) at acquisition, Total PCD Loans	(2,294)
Purchase price PCD Loans, PCD Accruing	28,410
Purchase price PCD Loans, PCD Non-Accruing	368
Purchase price PCD Loans, Total PCD Loans	$ 28,778

Earnings Per Share (Tables)

9 Months Ended

Sep. 30, 2026

Earnings Per Share [Abstract]

Schedule of Weighted Average Shares Outstanding used in the Computations of Basic and Diluted Earnings Per Share





(in thousands)	Three Months Ended		Nine Months Ended
	September 30,		September 30,
	2026	2025	2026	2025
Weighted average shares outstanding	10,904	9,364	10,874	9,263
Less: Unvested restricted shares	(58)	(48)	(57)	(102)
Basic EPS weighted average shares outstanding	10,846	9,316	10,817	9,161
Basic EPS weighted average shares outstanding	10,846	9,316	10,817	9,161
Add: Dilutive effect of stock options and restricted shares	24	1	24	3
Diluted EPS weighted average shares outstanding	10,870	9,317	10,841	9,164

Accumulated Other Comprehensive Loss (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	$ 289,640,000	$ 225,425,000	$ 242,157,000	$ 213,508,000
Other comprehensive (loss) income	(15,430,000)	3,797,000	(18,630,000)	9,413,000
Ending balance	283,361,000	234,905,000	283,361,000	234,905,000
Amount Reclassified From Accumulated Other Comprehensive Income (Loss) [Member] \| Unrealized Gains (Losses) On Available-For-Sale Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(24,543,000)	(27,505,000)	(21,343,000)	(33,121,000)
Other comprehensive income (loss) before reclassification	(15,430,000)	3,797,000	(18,630,000)	9,413,000
Other comprehensive (loss) income	(15,430,000)	3,797,000	(18,630,000)	9,413,000
Ending balance	(39,973,000)	(23,708,000)	(39,973,000)	(23,708,000)
Amount reclassified from accumulated other comprehensive loss	$ 0	$ 0	$ 0	$ 0

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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Acquisition of PB Bankshares, Inc. and Presence Bank (Summary of Purchase Price) (Details) - PB Bankshares, Inc. [Member] $ / shares in Units, $ in Thousands	Jan. 05, 2026 USD ($) $ / shares shares
Business Acquisition [Line Items]
PB Bankshares, Inc. common shares settled for common stock \| shares	2,648,186
PB Bankshares, Inc. common shares to be exchanged for stock consideration - 80% of adjusted shares outstanding \| shares	2,118,549
Exchange Ratio \| shares	0.7850
Norwood Financial Corp. shares to be issued in the merger and excludes fractional shares \| shares	1,662,933
Fair Value price per share of Norwood Financial Corp. common stock \| $ / shares	$ 28.00
Fair value of Purchase Price Consideration for Common Stock Issued \| $	$ 46,562
Shares used to terminate ESOP Loan - recorded as Norwood Treasury Shares
ESOP Loan Balance \| shares	2,296
Norwood Financial Corp. closing stock price \| $ / shares	$ 28.28
Shares of Norwood Financial Corp., Common Stock to pay off ESOP Loan \| shares	(81,201)
Impact of ESOP Loan Settlement \| $	$ (2,296)
Total Fair value of Purchase Price Consideration for Common Stock \| $	$ 44,266
Fair Value of Purchase Price Cash Consideration [Abstract]
PB Bankshares, Inc. common shares settled for cash \| shares	529,637
Purchase price assigned to cash consideration \| $ / shares	$ 19.75
Cash consideration for Common Stock \| $	$ 10,460
Cash in lieu of fractional shares \| $	$ 4
Purchase Price Consideration in Cash for PB Bankshares, Inc.'s Outstanding Stock Options
PB Bankshares, Inc. stock options outstanding \| shares	169,144
Cash price to pay out options \| $ / shares	$ 19.75
Weighted average strike price for options \| $ / shares	12.28
In-the-money value for PB Bankshares, Inc. stock \| $ / shares	$ 7.47
Purchase price assigned to PB Bankshares, Inc. stock \| $	$ 1,264
Total Purchase Price Assigned to Cash Consideration \| $	11,728
Total Purchase Price For Accounting Purposes \| $	$ 55,994

Loans Receivable and Allowance for Credit Losses (Summary of Carrying Value of Loan on Nonaccrual Status) (Details) - USD ($)	Sep. 30, 2026	Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual with no ACL	$ 15,695,000	$ 5,389,000
Nonaccrual with ACL	1,079,000	827,000
Non-Accrual	16,774,000	6,216,000
Loans Past Due Over 90 Days Still Accruing		123,000
Total Nonperforming	16,774,000	6,339,000
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual with no ACL	1,610,000	919,000
Non-Accrual	1,610,000	919,000
Total Nonperforming	1,610,000	919,000
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual with no ACL	10,997,000	4,045,000
Nonaccrual with ACL	19,000	19,000
Non-Accrual	11,016,000	4,064,000
Total Nonperforming	11,016,000	4,064,000
Agricultural Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual with no ACL	2,144,000
Non-Accrual	2,144,000
Loans Past Due Over 90 Days Still Accruing		46,000
Total Nonperforming	2,144,000	46,000
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual with no ACL	15,000	34,000
Non-Accrual	15,000	34,000
Total Nonperforming	15,000	34,000
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual with no ACL	420,000	68,000
Non-Accrual	420,000	68,000
Loans Past Due Over 90 Days Still Accruing		56,000
Total Nonperforming	420,000	124,000
Other Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual with no ACL	188,000
Non-Accrual	188,000
Total Nonperforming	188,000
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual with no ACL	321,000	323,000
Nonaccrual with ACL	1,060,000	808,000
Non-Accrual	1,381,000	1,131,000
Loans Past Due Over 90 Days Still Accruing		21,000
Total Nonperforming	$ 1,381,000	$ 1,152,000

Fair Value of Assets and Liabilities

9 Months Ended

Sep. 30, 2026

Fair Value of Assets and Liabilities [Abstract]

Fair Value of Assets and Liabilities

9. Fair Value of Assets and Liabilities

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. In accordance with fair value accounting guidance, the Company measures, records, and reports various types of assets and liabilities at fair value on either a recurring or non-recurring basis in the Consolidated Financial Statements. Those assets and liabilities are presented in the sections entitled “Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis” and “Assets and Liabilities Required to be Measured and Reported at Fair Value on a Non-Recurring Basis”. There are three levels of inputs that may be used to measure fair values:

Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The methods of determining the fair value of assets and liabilities presented in this note are consistent with our methodologies disclosed in Note 16 of the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025.

Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis

For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2026 and December 31, 2025 are as follows:



	Fair Value Measurement Using
	Reporting Date
Description	Total		Level 1		Level 2		Level 3
September 30, 2026	(In thousands)
ASSETS
Available for Sale:
U.S. Treasury securities	$	24,365	$	24,365	$	-	$	-
U.S. Government agencies		7,557		-		7,557		-
States and political subdivisions		83,736		-		83,736		-
Corporate obligations		23,892		-		23,892		-
Mortgage-backed securities-government
sponsored entities		289,942		-		289,942		-
Interest rate swaps		959		-		959		-

LIABILITIES
Interest rate swaps		959		-		959		-

Description	Total		Level 1		Level 2		Level 3
December 31, 2025	(In thousands)
ASSETS
Available for Sale:
U.S. Treasury securities	$	20,857	$	20,857	$	-	$	-
U.S. Government agencies		7,675		-		7,675		-
States and political subdivisions		92,500		-		92,500		-
Corporate obligations		13,551		-		13,551		-
Mortgage-backed securities-government
sponsored entities		274,199		-		274,199		-
Interest rate swaps		771		-		771		-

LIABILITIES
Interest rate swaps		771		-		771		-

Securities:

The fair value of securities available for sale (carried at fair value) and held to maturity (carried at amortized cost) are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1), or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices. For certain securities which are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence (Level 3). In the absence of such evidence, management’s best estimate is used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Internal cash flow models using a present value formula that includes assumptions market participants would use along

with indicative exit pricing obtained from broker/dealers (where available) are used to support fair values of certain Level 3 investments, if applicable.

Interest Rate Swaps:

The fair value of interest rate swaps is based upon the present value of the expected future cash flows using the Secured Overnight Financing Rate (“SOFR”) swap curve, the basis for the underlying interest rate. To price interest rate swaps, cash flows are first projected for each payment date using the fixed rate for the fixed side of the swap and the forward rates for the floating side of the swap. These swap cash flows are then discounted to time zero using SOFR zero-coupon interest rates. The sum of the present value of both legs is the fair market value of the interest rate swap. These valuations have been derived from our third party vendor’s proprietary models rather than actual market quotations. The proprietary models are based upon financial principles and assumptions that we believe to be reasonable.

Assets and Liabilities Required to be Measured and Reported at Fair Value on a Non-Recurring Basis

For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2026 and December 31, 2025 are as follows:



			Fair Value Measurement Using Reporting Date

(In thousands)

Description	Total		Level 1		Level 2		Level 3
September 30, 2026
Individually analyzed loans held for investment	$	18,635	$	-	$	-	$	18,635
Foreclosed Real Estate Owned		771		-		-		771
December 31, 2025
Individually analyzed loans held for investment	$	7,923	$	-	$	-	$	7,923
Foreclosed Real Estate Owned		771		-		-		771

Individually analyzed loans held for investment:

The Company measures impairment generally based on the fair value of the loan’s collateral. Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the lowest level of input that is significant to the fair value measurements.

As of September 30, 2026, the fair value investment in individually analyzed loans totaled $18,635,000, which included 57 loan relationships with a carrying value of $16,025,000 that did not require a specific allowance for credit loss since either the estimated realizable value of the collateral or the discounted cash flows exceeded the recorded investment in the loan. The increase is due primarily to the addition of one large commercial real estate relationship being placed on non-accrual, following the borrower’s filing for chapter 11 bankruptcy in June 2026. As of September 30, 2026, the Company has recognized charge-offs against the allowance for credit losses on these individually analyzed loans in the amount of $40,000. As of September 30, 2026, the fair value investment in individually analyzed loans included 46 loan relationships with a carrying value of $3,201,000 that required a valuation allowance of $594,000 since the estimated realizable value of the collateral did not support the recorded investment in the loan. As of September 30, 2026, the Company has recognized charge-offs against the allowance for credit losses on these individually analyzed loans in the amount of $0 over the life of the loan.

As of December 31, 2025, the fair value investment in individually analyzed loans totaled $7,923,000, which included 51 loan relationships with a carrying value of $5,492,000 that did not require a specific allowance for credit loss since either the estimated realizable value of the collateral or the discounted cash flows exceeded the recorded investment in the loan. As of December 31, 2025, the Company has recognized charge-offs against the allowance for credit losses on these individually analyzed loans in the amount of $0 over the life of the loans. As of December 31, 2025, the fair value investment in individually analyzed loans included 40 loan relationships with a carrying value of $2,976,000 that required a valuation allowance of $293,000 since the estimated realizable value of the collateral did not support the recorded investment in the loan. As of December 31, 2025, the Company has recognized charge-offs against the allowance for credit losses on these individually analyzed loans in the amount of $0 over the life of the loan.

The following table presents additional quantitative information about assets measured at fair value on a non-recurring basis and for which the Company has utilized Level 3 inputs to determine fair value:



	Quantitative Information about Level 3 Fair Value Measurements
(dollars in thousands)	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)
September 30, 2026
Individually analyzed loans held for investment	$	18,635	Appraisal of collateral(1)	Appraisal adjustments(2)	0%-57.50% (9.26%)
Foreclosed real estate owned	$	771	Appraisal of collateral(1)	Liquidation Expenses(2)	1.1% (1.1%)



	Quantitative Information about Level 3 Fair Value Measurements
(dollars in thousands)	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)
December 31, 2025
Individually analyzed loans held for investment	$	7,923	Appraisal of collateral(1)	Appraisal adjustments(2)	0%-20.0% (7.51%)

Foreclosed real estate owned	$	771	Appraisal of collateral(1)	Liquidation Expenses(2)	1.1% (1.1%)

Assets and Liabilities Not Required to be Measured or Reported at Fair Value

The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company’s financial instruments at September 30, 2026 and December 31, 2025.

Loans receivable (carried at cost):

The fair values of loans are estimated using discounted cash flow analyses, using market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans. Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal. Generally, for variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.

Mortgage servicing rights (carried at lower of cost or fair value)

The Company utilizes a third party provider to estimate the fair value of certain loan servicing rights. Fair value for the purpose of this measurement is defined as the amount at which the asset could be exchanged in a current transaction between willing parties, other than in a forced liquidation.

Deposit liabilities (carried at cost):

The fair values disclosed for demand deposits (e.g., interest and noninterest checking, passbook savings and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits.

Other borrowings (carried at cost):

Fair values of FHLB advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB advances with similar credit risk characteristics, terms and remaining maturity. These prices obtained from this active market represent a fair value that is deemed to represent the transfer price if the liability were assumed by a third party.

The estimated fair values of the Bank’s financial instruments not required to be measured or reported at fair value were as follows at September 30, 2026 and December 31, 2025. ($ in thousands)



	Fair Value Measurements at September 30, 2026
					Quoted Prices in Active ‎Markets for Identical Assets		Significant Other Observable ‎Inputs		Significant Unobservable Inputs
	Carrying Amount		Fair Value		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents (1)	$	72,524	$	72,524	$	72,524	$	-	$	-
Loans receivable, net		2,269,321		2,273,088		-		-		2,273,088
Mortgage servicing rights		241		703		-		-		703
Regulatory stock (1)		8,460		8,460		8,460		-		-
Bank owned life insurance (1)		62,738		62,738		62,738		-		-
Accrued interest receivable (1)		10,609		10,609		10,609		-		-
Financial liabilities:
Deposits		2,508,980		2,500,681		1,481,905		-		1,018,776
Short-term borrowings (1)		56,124		56,124		56,124		-		-
Other borrowings		62,728		59,244		-		-		59,244
Accrued interest payable (1)		10,467		10,467		10,467		-		-



	Fair Value Measurements at December 31, 2025
	Carrying Amount		Fair Value		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents (1)	$	44,436	$	44,436	$	44,436	$	-	$	-
Loans receivable, net		1,833,540		1,841,753		-		-		1,841,753
Mortgage servicing rights		238		673		-		-		673
Regulatory stock (1)		6,623		6,623		6,623		-		-
Bank owned life insurance (1)		46,089		46,089		46,089		-		-
Accrued interest receivable (1)		9,250		9,250		9,250		-		-
Financial liabilities:
Deposits		2,078,645		2,076,705		1,213,279		-		863,426
Short-term borrowings (1)		14,714		14,714		14,714		-		-
Other borrowings		59,419		59,635		-		-		59,635
Accrued interest payable (1)		12,138		12,138		12,138		-		-

(1)This financial instrument is carried at cost, which approximates the fair value of the instrument.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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+ Details

Securities (Summary of Debt Securities Available for Sale in a Loss Position) (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	$ 233,920	$ 32,372
Less than 12 Months, Unrealized Losses	(10,109)	(161)
12 Months or More, Fair Value	166,802	197,855
12 Months or More, Unrealized Losses	(41,433)	(30,525)
Total, Fair Value	400,722	230,227
Total, Unrealized Losses	(51,542)	(30,686)
U.S. Treasury Securities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	24,365	14,837
Less than 12 Months, Unrealized Losses	(516)	(9)
Total, Fair Value	24,365	14,837
Total, Unrealized Losses	(516)	(9)
U.S. Government Agencies [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	3,000
12 Months or More, Fair Value	4,557	4,649
12 Months or More, Unrealized Losses	(443)	(351)
Total, Fair Value	7,557	4,649
Total, Unrealized Losses	(443)	(351)
States And Political Subdivisions [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	3,968
Less than 12 Months, Unrealized Losses	(337)
12 Months or More, Fair Value	79,768	89,462
12 Months or More, Unrealized Losses	(21,843)	(14,665)
Total, Fair Value	83,736	89,462
Total, Unrealized Losses	(22,180)	(14,665)
Corporate Obligations [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	8,610	5,556
Less than 12 Months, Unrealized Losses	(108)	(90)
Total, Fair Value	8,610	5,556
Total, Unrealized Losses	(108)	(90)
Mortgage-backed Securities-Government Sponsored Entities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	193,977	11,979
Less than 12 Months, Unrealized Losses	(9,148)	(62)
12 Months or More, Fair Value	82,477	103,744
12 Months or More, Unrealized Losses	(19,147)	(15,509)
Total, Fair Value	276,454	115,723
Total, Unrealized Losses	$ (28,295)	$ (15,571)

Interest Rate Swaps (Narrative) (Details) - Interest Rate Contract [Member] - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2026	Dec. 31, 2025
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Effect on earnings	$ 0	$ 0
Pledged cash as collateral	350,000	350,000
Derivative Asset	$ 959,000	$ 771,000
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets

- Definition

Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.

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+ Details

- Definition

Amount of obligation to return cash collateral under master netting arrangements that have not been offset against derivative assets.

+ References + Details

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References + Details

Loans Receivable and Allowance for Credit Losses (Summary of Loan Concentrations by Industry) (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2026	Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 2,295,101,000	$ 1,853,875,000
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	1,061,486,000	750,249,000
Commercial Real Estate Loans [Member] \| Loans Receivable [Member] \| Commercial Rentals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 302,253,000	$ 178,684,000
Percent of Loans Outstanding	13.17%	9.68%
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 385,571,000	$ 350,410,000
Consumer Loans [Member] \| Loans Receivable [Member] \| Hotels/Motels [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 194,470,000	$ 125,089,000
Percent of Loans Outstanding	8.48%	6.78%
Consumer Loans [Member] \| Loans Receivable [Member] \| Fuel/Gas Stations [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 64,465,000	$ 50,337,000
Percent of Loans Outstanding	2.81%	2.73%
Consumer Loans [Member] \| Loans Receivable [Member] \| Resorts [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 47,708,000	$ 39,435,000
Percent of Loans Outstanding	2.08%	2.14%
Consumer Loans [Member] \| Loans Receivable [Member] \| Dairy Cattle/Milk Product [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 39,539,000	$ 42,777,000
Percent of Loans Outstanding	1.72%	2.32%
Consumer Loans [Member] \| Loans Receivable [Member] \| Camps [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 32,191,000	$ 22,998,000
Percent of Loans Outstanding	1.40%	1.25%
Consumer Loans [Member] \| Loans Receivable [Member] \| Government Support [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 22,422,000	$ 29,919,000
Percent of Loans Outstanding	0.98%	1.62%
Consumer Loans [Member] \| Loans Receivable [Member] \| Mobile Home Park [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 19,353,000	$ 19,967,000
Percent of Loans Outstanding	0.84%	1.08%
Consumer Loans [Member] \| Loans Receivable [Member] \| Wineries [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 19,204,000	$ 19,935,000
Percent of Loans Outstanding	0.84%	1.08%
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 415,215,000	$ 352,342,000
Residential Real Estate Loans [Member] \| Loans Receivable [Member] \| Hotels/Motels [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 194,500,000
Percent of Loans Outstanding	8.50%
Residential Real Estate Loans [Member] \| Loans Receivable [Member] \| Residential Rentals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 175,615,000	$ 116,639,000
Percent of Loans Outstanding	7.65%	6.32%
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 122,651,000	$ 85,393,000
Construction Real Estate Loans [Member] \| Loans Receivable [Member] \| Builders/Contractors [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Loans	$ 57,164,000	$ 36,650,000
Percent of Loans Outstanding	2.49%	1.99%

Fair Value of Assets and Liabilities (Additional Qualitative Information about Level 3 Assets) (Details) $ in Thousands	Sep. 30, 2026 USD ($) item	Dec. 31, 2025 USD ($) item
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure \| $	$ 18,635	$ 7,923
Impaired Loans [Member] \| Appraisal Of Collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure \| $	$ 18,635	$ 7,923
Impaired Loans [Member] \| Minimum [Member] \| Appraisal Of Collateral [Member] \| Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	0	0
Impaired Loans [Member] \| Maximum [Member] \| Appraisal Of Collateral [Member] \| Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	0.5750	0.200
Impaired Loans [Member] \| Weighted Average [Member] \| Appraisal Of Collateral [Member] \| Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	0.0926	0.0751
Foreclosed Real Estate Owned [Member] \| Appraisal Of Collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure \| $	$ 771	$ 771
Foreclosed Real Estate Owned [Member] \| Appraisal Of Collateral [Member] \| Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	0.011	0.011
Foreclosed Real Estate Owned [Member] \| Weighted Average [Member] \| Appraisal Of Collateral [Member] \| Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	0.011	0.011

Loans Receivable and Allowance for Credit Losses (Summary of Recorded Investment in Loan Classes Based on Payment Activity) (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2026	Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 2,295,101,000	$ 1,853,875,000
Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	200,431,000	203,353,000
Total Loans, Fiscal Year Before Latest Fiscal Year	191,621,000	163,486,000
Total Loans, Two Years Before Latest Fiscal Year	132,281,000	117,462,000
Total Loans, Three Years Before Latest Fiscal Year	83,189,000	88,800,000
Total Loans, Four Years Before Latest Fiscal Year	79,330,000	57,380,000
Total Loans, Prior	183,370,000	117,682,000
Revolving Loans Amortized Cost Basis	53,215,000	39,982,000
Total	923,437,000	788,145,000
Performing [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	200,391,000	203,299,000
Total Loans, Fiscal Year Before Latest Fiscal Year	191,415,000	163,201,000
Total Loans, Two Years Before Latest Fiscal Year	131,935,000	117,026,000
Total Loans, Three Years Before Latest Fiscal Year	82,770,000	88,275,000
Total Loans, Four Years Before Latest Fiscal Year	78,676,000	57,149,000
Total Loans, Prior	182,166,000	117,165,000
Revolving Loans Amortized Cost Basis	53,078,000	39,925,000
Total	920,431,000	786,040,000
Nonperforming [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	40,000	54,000
Total Loans, Fiscal Year Before Latest Fiscal Year	206,000	285,000
Total Loans, Two Years Before Latest Fiscal Year	346,000	436,000
Total Loans, Three Years Before Latest Fiscal Year	419,000	525,000
Total Loans, Four Years Before Latest Fiscal Year	654,000	231,000
Total Loans, Prior	1,204,000	517,000
Revolving Loans Amortized Cost Basis	137,000	57,000
Total	3,006,000	2,105,000
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	415,215,000	352,342,000
Residential Real Estate Loans [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	24,192,000	28,385,000
Total Loans, Fiscal Year Before Latest Fiscal Year	37,399,000	41,869,000
Total Loans, Two Years Before Latest Fiscal Year	40,553,000	38,430,000
Total Loans, Three Years Before Latest Fiscal Year	38,223,000	54,621,000
Total Loans, Four Years Before Latest Fiscal Year	56,199,000	47,645,000
Total Loans, Prior	169,579,000	106,131,000
Revolving Loans Amortized Cost Basis	49,070,000	35,261,000
Total	415,215,000	352,342,000
Current period gross charge-offs, Prior		63,000
Current period gross charge-offs, Total		63,000
Residential Real Estate Loans [Member] \| Performing [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	24,192,000	28,385,000
Total Loans, Fiscal Year Before Latest Fiscal Year	37,399,000	41,869,000
Total Loans, Two Years Before Latest Fiscal Year	40,553,000	38,305,000
Total Loans, Three Years Before Latest Fiscal Year	38,098,000	54,474,000
Total Loans, Four Years Before Latest Fiscal Year	55,918,000	47,475,000
Total Loans, Prior	168,512,000	105,711,000
Revolving Loans Amortized Cost Basis	48,933,000	35,204,000
Total	413,605,000	351,423,000
Residential Real Estate Loans [Member] \| Nonperforming [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Two Years Before Latest Fiscal Year		125,000
Total Loans, Three Years Before Latest Fiscal Year	125,000	147,000
Total Loans, Four Years Before Latest Fiscal Year	281,000	170,000
Total Loans, Prior	1,067,000	420,000
Revolving Loans Amortized Cost Basis	137,000	57,000
Total	1,610,000	919,000
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	122,651,000	85,393,000
Construction Real Estate Loans [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	47,882,000	37,511,000
Total Loans, Fiscal Year Before Latest Fiscal Year	45,683,000	26,381,000
Total Loans, Two Years Before Latest Fiscal Year	21,603,000	17,070,000
Total Loans, Three Years Before Latest Fiscal Year	2,662,000	690,000
Total Loans, Four Years Before Latest Fiscal Year	1,489,000	289,000
Total Loans, Prior	376,000	91,000
Revolving Loans Amortized Cost Basis	2,956,000	3,361,000
Total	122,651,000	85,393,000
Construction Real Estate Loans [Member] \| Performing [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	47,882,000	37,511,000
Total Loans, Fiscal Year Before Latest Fiscal Year	45,683,000	26,381,000
Total Loans, Two Years Before Latest Fiscal Year	21,603,000	17,070,000
Total Loans, Three Years Before Latest Fiscal Year	2,662,000	656,000
Total Loans, Four Years Before Latest Fiscal Year	1,474,000	289,000
Total Loans, Prior	376,000	91,000
Revolving Loans Amortized Cost Basis	2,956,000	3,361,000
Total	122,636,000	85,359,000
Construction Real Estate Loans [Member] \| Nonperforming [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Three Years Before Latest Fiscal Year		34,000
Total Loans, Four Years Before Latest Fiscal Year	15,000
Total	15,000	34,000
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	385,571,000	350,410,000
Consumer Loans [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	128,357,000	137,457,000
Total Loans, Fiscal Year Before Latest Fiscal Year	108,539,000	95,236,000
Total Loans, Two Years Before Latest Fiscal Year	70,125,000	61,962,000
Total Loans, Three Years Before Latest Fiscal Year	42,304,000	33,489,000
Total Loans, Four Years Before Latest Fiscal Year	21,642,000	9,446,000
Total Loans, Prior	13,415,000	11,460,000
Revolving Loans Amortized Cost Basis	1,189,000	1,360,000
Total	385,571,000	350,410,000
Current period gross charge-offs, Current Fiscal Year	222,000	26,000
Current period gross charge-offs, Fiscal Year Before Latest Fiscal Year	375,000	458,000
Current period gross charge-offs, Two Years Before Latest Fiscal Year	567,000	685,000
Current period gross charge-offs, Three Years Before Latest Fiscal Year	347,000	419,000
Current period gross charge-offs, Four Years Before Latest Fiscal Year	348,000	151,000
Current period gross charge-offs, Prior	120,000	94,000
Current period gross charge-offs, Total	1,979,000	1,833,000
Consumer Loans [Member] \| Performing [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	128,317,000	137,403,000
Total Loans, Fiscal Year Before Latest Fiscal Year	108,333,000	94,951,000
Total Loans, Two Years Before Latest Fiscal Year	69,779,000	61,651,000
Total Loans, Three Years Before Latest Fiscal Year	42,010,000	33,145,000
Total Loans, Four Years Before Latest Fiscal Year	21,284,000	9,385,000
Total Loans, Prior	13,278,000	11,363,000
Revolving Loans Amortized Cost Basis	1,189,000	1,360,000
Total	384,190,000	349,258,000
Consumer Loans [Member] \| Nonperforming [Member] \| Based on Payment Activity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	40,000	54,000
Total Loans, Fiscal Year Before Latest Fiscal Year	206,000	285,000
Total Loans, Two Years Before Latest Fiscal Year	346,000	311,000
Total Loans, Three Years Before Latest Fiscal Year	294,000	344,000
Total Loans, Four Years Before Latest Fiscal Year	358,000	61,000
Total Loans, Prior	137,000	97,000
Total	$ 1,381,000	$ 1,152,000

Loans Receivable and Allowance for Credit Losses

9 Months Ended

Sep. 30, 2026

Loans Receivable and Allowance for Credit Losses [Abstract]

Loans Receivable and Allowance for Credit Losses

8.Loans Receivable and Allowance for Credit Losses

Set forth below is selected data relating to the composition of the loan portfolio at the dates indicated (dollars in thousands):



	September 30, 2026				December 31, 2025
Real Estate Loans:
Residential	$	415,215	18.1	%	$	352,342	19.0	%
Commercial		1,061,486	46.3			750,249	40.5
Agricultural		63,772	2.8			59,202	3.2
Construction		122,651	5.3			85,393	4.6
Commercial loans		224,619	9.8			229,849	12.4
Other agricultural loans		21,787	0.9			26,430	1.4
Consumer loans to individuals		385,571	16.8			350,410	18.9
Total loans		2,295,101	100.0	%		1,853,875	100.0	%
Deferred fees, net		(634)				(453)
Total loans receivable		2,294,467				1,853,422
Allowance for credit losses		(25,146)				(19,882)
Net loans receivable	$	2,269,321			$	1,833,540

Foreclosed assets acquired in settlement of loans are carried at fair value less estimated costs to sell and are included in foreclosed real estate owned on the Consolidated Balance Sheets. As of September 30, 2026 and December 31, 2025, foreclosed real estate owned totaled $771,000. During the nine months ended September 30, 2026, there were no additions to the foreclosed real estate category. As of September 30, 2026, the Company has initiated formal foreclosure proceedings on four properties classified as consumer residential mortgages with an aggregate carrying value of $120,000.

Management uses an eight point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first four categories are considered not criticized, and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due are considered Substandard. Any portion of a loan that has been charged off is placed in the Loss category.

To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Bank has a structured loan rating process with several layers of internal and external oversight. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as nonperformance, repossession, or death occurs to

raise awareness of a possible credit event. The Company’s Loan Review Department is responsible for the timely and accurate risk rating of the loans on an ongoing basis. Every credit which must be approved by Loan Committee or the Board of Directors is assigned a risk rating at time of consideration. Loan Review, in conjunction with a third-party consultant, also annually reviews all criticized credits and relationships of $1,500,000 and over to re-affirm risk ratings.

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans as of September 30, 2026 and December 31, 2025 (in thousands):



	Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing			Non-accrual	Total Past Due and Non-Accrual		Total Loans
September 30, 2026
Real Estate loans
Residential	$	413,131	$	233	$	241	$	-	$	1,610	$	2,084	$	415,215
Commercial		1,048,093		1,432		945		-		11,016		13,393		1,061,486
Agricultural		61,628		-		-		-		2,144		2,144		63,772
Construction		122,636		-		-		-		15		15		122,651
Commercial loans		223,968		185		46		-		420		651		224,619
Other agricultural loans		21,474		125		-		-		188		313		21,787
Consumer loans		382,851		1,263		76		-		1,381		2,720		385,571
Total	$	2,273,781	$	3,238	$	1,308	$	-	$	16,774	$	21,320	$	2,295,101



	Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing			Non-accrual	Total Past Due and Non-Accrual			Total Loans
December 31, 2025
Real Estate loans
Residential	$	350,711	$	438	$	274	$	-	$	919	$	1,631	$	352,342
Commercial		740,901		4,850		434		-		4,064		9,348		750,249
Agricultural		59,073		-		83		46		-		129		59,202
Construction		85,359		-		-		-		34		34		85,393
Commercial loans		228,074		1,618		33		56		68		1,775		229,849
Other agricultural loans		25,589		772		69		-		-		841		26,430
Consumer loans		348,115		862		281		21		1,131		2,295		350,410
Total	$	1,837,822	$	8,540	$	1,174	$	123	$	6,216	$	16,053	$	1,853,875

Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the allowance for credit losses. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the allowance.

The following table presents the allowance for credit losses by the classes of the loan portfolio:


(In thousands)	Residential Real Estate		Commercial Real Estate			Agricultural Real Estate		Construction	Commercial			Other Agricultural	Consumer		Total
Beginning balance, December 31, 2025	$	2,271	$	7,534	$	395	$	1,471	$	3,011	$	282	$	4,918	$	19,882
Acquisition adjustment		124		3,425		62		188		457		16		(9)		4,263
Charge offs		-		(765)		-		-		(51)		-		(1,979)		(2,795)
Recoveries		24		17		-		-		60		-		106		207
(Release of) Provision for credit losses		535		1,344		59		26		(108)		(86)		1,819		3,589
Ending balance, September 30, 2026	$	2,954	$	11,555	$	516	$	1,685	$	3,369	$	212	$	4,855	$	25,146


(In thousands)	Residential Real Estate		Commercial Real Estate			Agricultural Real Estate		Construction	Commercial			Other Agricultural	Consumer		Total
Beginning balance, June 30, 2026	$	3,112	$	11,038	$	544	$	2,240	$	3,589	$	224	$	4,885	$	25,632
Acquisition adjustment		-		-		-		-		-		-		-		-
Charge offs		-		(25)		-		-		(26)		-		(716)		(767)
Recoveries		-		1		-		-		6		-		41		48
(Release of) Provision for credit losses		(158)		541		(28)		(555)		(200)		(12)		645		233
Ending balance, September 30, 2026	$	2,954	$	11,555	$	516	$	1,685	$	3,369	$	212	$	4,855	$	25,146



(In thousands)	Residential Real Estate		Commercial Real Estate			Agricultural Real Estate		Construction	Commercial			Other Agricultural	Consumer		Total
Beginning balance, December 31, 2024	$	1,146	$	11,406	$	48	$	884	$	1,732	$	162	$	4,465	$	19,843
Charge offs		(63)		(62)		-		-		(83)		(48)		(1,273)		(1,529)
Recoveries		3		8		-		-		99		-		115		225
(Release of) Provision for credit losses		31		(1,952)		(25)		432		339		64		2,483		1,372
Ending balance, September 30, 2025	$	1,117	$	9,400	$	23	$	1,316	$	2,087	$	178	$	5,790	$	19,911



(In thousands)	Residential Real Estate		Commercial Real Estate			Agricultural Real Estate		Construction	Commercial			Other Agricultural	Consumer		Total
Beginning balance, June 30, 2025	$	1,011	$	11,039	$	39	$	1,163	$	1,933	$	164	$	5,559	$	20,908
Charge offs		(63)		(13)		-		-		(83)		-		(490)		(649)
Recoveries		3		8		-		-		3		-		30		44
(Release of) Provision for credit losses		166		(1,634)		(16)		153		234		14		691		(392)
Ending balance, September 30, 2025	$	1,117	$	9,400	$	23	$	1,316	$	2,087	$	178	$	5,790	$	19,911

During the nine months ended September 30, 2026, the Company recorded a provision for credit losses related to loans totaling $3,589,000. The increase in provision was due primarily to an increase in the consumer portfolio provision of $1,819,000, an increase in the commercial real estate portfolio provision of $1,344,000, an increase in the residential real estate portfolio provision of $535,000, and a decrease of $109,000 in all other portfolios, net. Factors impacting the provision include changes in the cumulative loss rates applied to the respective loan pools due to loss activity being added or subtracted with the passage of time, charge-offs and recoveries, and variances in Qualitative Factors and Economic Factors. In addition, the Company recorded a one-time adjustment of $4,263,000 as a result of the PB Bankshares acquisition.

The cumulative loss rate used as the basis for the estimate of credit losses is comprised of the Company’s historical loss experience. The Company chose to apply qualitative factors based on “quantitative metrics” which link the quantifiable metrics to historical changes in the qualitative factor categories. The Company also chose to apply economic projections to the model. A select group of economic indicators was utilized which was then correlated to the historical loss experience of the Company and its peers. Based on the correlation results, the economic adjustments are then weighted for relevancy and applied to the individual loan pools.

The following table presents the carrying value of loans on nonaccrual status and loans past due over 90 days still accruing interest (in thousands):


		Nonaccrual		Nonaccrual				Loans Past Due
		with no		with		Total		Over 90 Days		Total
	ACL		ACL		Nonaccrual		Still Accruing		Nonperforming
September 30, 2026
Real Estate loans
Residential	$	1,610	$	-	$	1,610	$	-	$	1,610
Commercial		10,997		19		11,016		-		11,016
Agricultural		2,144		-		2,144		-		2,144
Construction		15		-		15		-		15
Commercial loans		420		-		420		-		420
Other agricultural loans		188		-		188		-		188
Consumer loans		321		1,060		1,381		-		1,381
Total	$	15,695	$	1,079	$	16,774	$	-	$	16,774


		Nonaccrual		Nonaccrual				Loans Past Due
		with no		with		Total		Over 90 Days		Total
	ACL		ACL		Nonaccrual		Still Accruing		Nonperforming
December 31, 2025
Real Estate loans
Residential	$	919	$	-	$	919	$	-	$	919
Commercial		4,045		19		4,064		-		4,064
Agricultural		-		-		-		46		46
Construction		34		-		34		-		34
Commercial loans		68		-		68		56		124
Other agricultural loans		-		-		-		-		-
Consumer loans		323		808		1,131		21		1,152
Total	$	5,389	$	827	$	6,216	$	123	$	6,339

Based on the most recent analysis performed, the following table presents the recorded investment in non-homogenous pools by internal risk rating systems (in thousands):


														Revolving		Revolving
	Term Loans Amortized Costs Basis by Origination Year													Loans		Loans
														Amortized		Converted
September 30, 2026		2026		2025		2024		2023		2022		Prior		Cost Basis		to Term		Total
Commercial real estate
Risk Rating
Pass	$	144,308	$	158,216	$	105,283	$	123,834	$	137,186	$	343,305	$	25,711	$	-	$	1,037,843
Special Mention		89		48		341		624		166		5,962		274		-		7,504
Substandard		-		-		5,173		-		562		10,404		-		-		16,139
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	144,397	$	158,264	$	110,797	$	124,458	$	137,914	$	359,671	$	25,985	$	-	$	1,061,486

Commercial real estate
Current period gross charge-offs	$	-	$	-	$	-	$	25	$	-	$	740	$	-	$	-	$	765

Real Estate - Agriculture
Risk Rating
Pass	$	2,303	$	3,149	$	3,644	$	3,218	$	7,813	$	29,662	$	832	$	-	$	50,621
Special Mention		1,120		150		-		-		2,498		2,060		1,000		-		6,828
Substandard		3,512		-		1,275		-		-		1,536		-		-		6,323
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	6,935	$	3,299	$	4,919	$	3,218	$	10,311	$	33,258	$	1,832	$	-	$	63,772

Real Estate - Agriculture
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Commercial loans
Risk Rating
Pass	$	24,079	$	44,568	$	31,832	$	17,901	$	23,783	$	26,153	$	51,191	$	-	$	219,507
Special Mention		-		18		218		346		328		626		-		-		1,536
Substandard		-		-		-		778		263		1,162		1,373		-		3,576
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	24,079	$	44,586	$	32,050	$	19,025	$	24,374	$	27,941	$	52,564	$	-	$	224,619

Commercial loans
Current period gross charge-offs	$	-	$	-	$	6	$	20	$	-	$	25	$	-	$	-	$	51

Other agricultural loans
Risk Rating
Pass	$	1,265	$	2,233	$	1,620	$	836	$	1,388	$	2,871	$	6,787	$	-	$	17,000
Special Mention		-		131		357		-		456		55		-		-		999

Substandard		2,095		-		193		-		-		-		1,500		-		3,788
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	3,360	$	2,364	$	2,170	$	836	$	1,844	$	2,926	$	8,287	$	-	$	21,787

Other agricultural loans
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Total
Risk Rating
Pass	$	171,955	$	208,166	$	142,379	$	145,789	$	170,170	$	401,991	$	84,521	$	-	$	1,324,971
Special Mention		1,209		347		916		970		3,448		8,703		1,274		-		16,867
Substandard		5,607		-		6,641		778		825		13,102		2,873		-		29,826
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	178,771	$	208,513	$	149,936	$	147,537	$	174,443	$	423,796	$	88,668	$	-	$	1,371,664

‎


														Revolving		Revolving
	Term Loans Amortized Costs Basis by Origination Year													Loans		Loans
														Amortized		Converted
December 31, 2025		2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
Commercial real estate
Risk Rating
Pass	$	114,399	$	98,460	$	67,351	$	114,785	$	84,564	$	231,547	$	20,653	$	-	$	731,759
Special Mention		50		-		630		204		2,493		4,335		198		-		7,910
Substandard		-		135		-		-		2,413		7,632		400		-		10,580
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	114,449	$	98,595	$	67,981	$	114,989	$	89,470	$	243,514	$	21,251	$	-	$	750,249

Commercial real estate
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	63	$	-	$	-	$	63

Real Estate - Agriculture
Risk Rating
Pass	$	3,016	$	4,027	$	3,287	$	10,789	$	3,536	$	30,851	$	361	$	-	$	55,867
Special Mention		152		1,479		-		-		-		1,684		-		-		3,315
Substandard		-		-		-		-		-		-		20		-		20
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	3,168	$	5,506	$	3,287	$	10,789	$	3,536	$	32,535	$	381	$	-	$	59,202

Real Estate - Agriculture
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Commercial loans
Risk Rating
Pass	$	58,956	$	40,670	$	23,869	$	24,385	$	13,051	$	18,356	$	46,495	$	-	$	225,782
Special Mention		35		-		578		22		109		259		88		-		1,091
Substandard		-		6		309		317		550		794		1,000		-		2,976
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	58,991	$	40,676	$	24,756	$	24,724	$	13,710	$	19,409	$	47,583	$	-	$	229,849

Commercial loans
Current period gross charge-offs	$	-	$	-	$	-	$	100	$	-	$	-	$	-	$	-	$	100

Other agricultural loans
Risk Rating
Pass	$	3,291	$	2,706	$	1,320	$	2,330	$	1,995	$	3,423	$	7,453	$	-	$	22,518
Special Mention		-		367		-		-		-		1,281		789		-		2,437
Substandard		-		-		-		-		-		-		1,475		-		1,475
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	3,291	$	3,073	$	1,320	$	2,330	$	1,995	$	4,704	$	9,717	$	-	$	26,430

Other agricultural loans
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	48	$	-	$	-	$	48

Total
Risk Rating
Pass	$	179,662	$	145,863	$	95,827	$	152,289	$	103,146	$	284,177	$	74,962	$	-	$	1,035,926
Special Mention		237		1,846		1,208		226		2,602		7,559		1,075		-		14,753
Substandard		-		141		309		317		2,963		8,426		2,895		-		15,051
Doubtful		-		-		-		-		-		-		-		-		-
Total	$	179,899	$	147,850	$	97,344	$	152,832	$	108,711	$	300,162	$	78,932	$	-	$	1,065,730

The Company monitors the credit risk profile by payment activity for residential and consumer loan classes. Loans past due over 90 days and loans on nonaccrual status are considered nonperforming. Nonperforming loans are reviewed monthly. The following table presents the carrying value of residential and consumer loans based on payment activity (in thousands):


														Revolving		Revolving
	Term Loans Amortized Costs Basis by Origination Year													Loans		Loans
														Amortized		Converted
September 30, 2026		2026		2025		2024		2023		2022		Prior		Cost Basis		to Term		Total
Residential real estate
Payment Performance
Performing	$	24,192	$	37,399	$	40,553	$	38,098	$	55,918	$	168,512	$	48,933	$	-	$	413,605
Nonperforming		-		-		-		125		281		1,067		137		-		1,610
Total	$	24,192	$	37,399	$	40,553	$	38,223	$	56,199	$	169,579	$	49,070	$	-	$	415,215

Residential real estate
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Construction
Payment Performance
Performing	$	47,882	$	45,683	$	21,603	$	2,662	$	1,474	$	376	$	2,956	$	-	$	122,636
Nonperforming		-		-		-		-		15		-		-		-		15
Total	$	47,882	$	45,683	$	21,603	$	2,662	$	1,489	$	376	$	2,956	$	-	$	122,651

Construction
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Consumer loans to individuals
Payment Performance
Performing	$	128,317	$	108,333	$	69,779	$	42,010	$	21,284	$	13,278	$	1,189	$	-	$	384,190
Nonperforming		40		206		346		294		358		137		-		-		1,381
Total	$	128,357	$	108,539	$	70,125	$	42,304	$	21,642	$	13,415	$	1,189	$	-	$	385,571

Consumer loans to individuals
Current period gross charge-offs	$	222	$	375	$	567	$	347	$	348	$	120	$	-	$	-	$	1,979

Total
Payment Performance
Performing	$	200,391	$	191,415	$	131,935	$	82,770	$	78,676	$	182,166	$	53,078	$	-	$	920,431
Nonperforming		40		206		346		419		654		1,204		137		-		3,006
Total	$	200,431	$	191,621	$	132,281	$	83,189	$	79,330	$	183,370	$	53,215	$	-	$	923,437


														Revolving		Revolving
	Term Loans Amortized Costs Basis by Origination Year													Loans		Loans
														Amortized		Converted
December 31, 2025		2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
Residential real estate
Payment Performance
Performing	$	28,385	$	41,869	$	38,305	$	54,474	$	47,475	$	105,711	$	35,204	$	-	$	351,423
Nonperforming		-		-		125		147		170		420		57		-		919
Total	$	28,385	$	41,869	$	38,430	$	54,621	$	47,645	$	106,131	$	35,261	$	-	$	352,342

Residential real estate
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	63	$	-	$	-	$	63

Construction
Payment Performance
Performing	$	37,511	$	26,381	$	17,070	$	656	$	289	$	91	$	3,361	$	-	$	85,359
Nonperforming		-		-		-		34		-		-		-		-		34
Total	$	37,511	$	26,381	$	17,070	$	690	$	289	$	91	$	3,361	$	-	$	85,393

Construction
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Consumer loans to individuals
Payment Performance
Performing	$	137,403	$	94,951	$	61,651	$	33,145	$	9,385	$	11,363	$	1,360	$	-	$	349,258
Nonperforming		54		285		311		344		61		97		-		-		1,152
Total	$	137,457	$	95,236	$	61,962	$	33,489	$	9,446	$	11,460	$	1,360	$	-	$	350,410

Consumer loans to individuals
Current period gross charge-offs	$	26	$	458	$	685	$	419	$	151	$	94	$	-	$	-	$	1,833

Total
Payment Performance
Performing	$	203,299	$	163,201	$	117,026	$	88,275	$	57,149	$	117,165	$	39,925	$	-	$	786,040
Nonperforming		54		285		436		525		231		517		57		-		2,105
Total	$	203,353	$	163,486	$	117,462	$	88,800	$	57,380	$	117,682	$	39,982	$	-	$	788,145

Occasionally, the Bank modifies loans to borrowers in financial distress by providing principal forgiveness, term extension, and other-than-insignificant payment delay or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged-off against the allowance for credit losses.

In some cases, the Bank provides multiple types of concessions on one loan. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. During the nine months ended September 30, 2026, there were modifications made to borrowers experiencing financial difficulty consisting of 18 loan relationships. The following table presents modifications made to borrowers experiencing financial difficulty:


Significant Payment Delay

		Amortized Cost Basis at September 30, 2026	% of Total Class of Financing Receivable		Financial Effect
		(in thousands)
Commercial real estate loans	$	683	0.06	%	Deferred principal for 4-8 months
Agricultural real estate loans		562	0.88		Deferred principal for 9 months
Commercial loans		402	0.18		Deferred principal for 7-15 months

Total	$	1,647

Term Extension

		Amortized Cost Basis at September 30, 2026	% of Total Class of Financing Receivable		Financial Effect
		(in thousands)
Commercial real estate loans	$	732	0.07	%	Added a weighted-average 5.6 years to the life of loans
Agricultural real estate loans		3,558	5.58		Added a weighted-average 19.8 years to the life of loans
Commercial loans		936	0.42		Added a weighted-average 1.1 years to the life of loans
Other agricultural loans		2,095	9.62		Added a weighted-average 10.0 years to the life of loans

Total	$	7,321


Combination - Significant Payment Delay and Term Extension

		Amortized Cost Basis at September 30, 2026	% of Total Class of Financing Receivable		Financial Effect

Commercial real estate loans	$	633	0.06	%	Deferred principal for 6-14 months and added a weighted-average 9.8 months to the life of the loans
Agricultural real estate loans		615	0.96		Deferred principal for 8-10 months and added a weighted-average 9.9 months to the life of the loans
Commercial loans		625	0.28		Deferred principal for 6-9 months and added a weighted-average 8.4 months to the life of the loans

Total	$	1,873

The following table provides the amortized cost basis of financing receivables that had a payment default during the period and were modified (in thousands):


Amortized Cost Basis of Modified Loans That Subsequently Defaulted

		Significant Payment Delay		Combination - Significant Payment Delay and Term Extension

Agricultural real estate loans	$	-	$	615
Commercial loans		142		-

	$	142	$	615

The following table depicts the performance of loans that have been modified during the period for which a payment default has occurred (in thousands):


Payment Status (Amortized Cost Basis)

		30-59 Days Past Due		60-89 Days Past Due		90 + Days Past Due		Total Past Due

Agricultural real estate loans	$	-	$	615	$	-	$	615
Commercial loans		142		-		-		142

	$	142	$	615	$	-	$	757

The Company’s primary business activity as of September 30, 2026 was with customers located in northeastern and southeastern Pennsylvania, and the New York counties of Delaware, Sullivan, Ontario, Otsego and Yates. Accordingly, the Company has extended credit primarily to commercial entities and individuals in this area whose ability to repay their loans is influenced by the region’s economy.

As of September 30, 2026, the Company considered its concentration of credit risk to be acceptable. The highest concentrations are in commercial rentals with $302.3 million of loans outstanding, or 13.2% of total loans outstanding, and hotels/motels with loans outstanding of $194.5 million, or 8.5% of loans outstanding. For the nine months ended September 30, 2026, the Company recognized charge offs of $10,000 on commercial rentals and $0 on hotels/motels. The following table presents additional details regarding the Company’s largest loan concentrations by industry as of September 30, 2026 (in thousands):


Account Type		Outstanding as of September 30, 2026	Percent of Loans as of September 30, 2026

Commercial Rentals	$	302,253	13.17	%
Hotels/Motels		194,470	8.48
Residential Rentals		175,615	7.65
Fuel/Gas Stations		64,465	2.81
Builders/Contractors		57,164	2.49
Resorts		47,708	2.08
Dairy Cattle/Milk Product		39,539	1.72
Camps		32,191	1.40
Government Support		22,422	0.98
Mobile Home Park		19,353	0.84
Wineries		19,204	0.84



Account Type		Outstanding as of December 31, 2025	Percent of Loans as of December 31, 2025

Commercial Rentals	$	178,684	9.68	%
Hotels/Motels		125,089	6.78
Residential Rentals		116,639	6.32
Fuel/Gas Stations		50,337	2.73
Dairy Cattle/Milk Product		42,777	2.32
Resorts		39,435	2.14
Builders/Contractors		36,650	1.99
Government Support		29,919	1.62
Camps		22,998	1.25
Mobile Home Park		19,967	1.08
Wineries		19,935	1.08

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2026	Nov. 01, 2026
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2026
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2026
Document Transition Report	false
Entity File Number	0-28364
Entity Registrant Name	Norwood Financial Corp
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	23-2828306
Entity Address, Address Line One	717 Main Street
Entity Address, City or Town	Honesdale
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	18431
City Area Code	570
Local Phone Number	253-1455
Title of 12(b) Security	Common Stock, par value $0.10 per share
Trading Symbol	NWFL
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		10,915,280
Entity Central Index Key	0001013272
Amendment Flag	false
Document Fiscal Period Focus	Q3

Loans Receivable and Allowance for Credit Losses (Allowance for Credit Losses and Recorded Investment in Financing Receivables) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	$ 25,632,000	$ 20,908,000	$ 19,882,000	$ 19,843,000
Acquisition adjustment			4,263,000
Charge Offs	(767,000)	(649,000)	(2,795,000)	(1,529,000)
Recoveries	48,000	44,000	207,000	225,000
(Release of) Provision for credit losses	233,000	(392,000)	3,589,000	1,372,000
Ending balance,	25,146,000	19,911,000	25,146,000	19,911,000
Residential Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	3,112,000	1,011,000	2,271,000	1,146,000
Acquisition adjustment			124,000
Charge Offs		(63,000)		(63,000)
Recoveries		3,000	24,000	3,000
(Release of) Provision for credit losses	(158,000)	166,000	535,000	31,000
Ending balance,	2,954,000	1,117,000	2,954,000	1,117,000
Commercial Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	11,038,000	11,039,000	7,534,000	11,406,000
Acquisition adjustment			3,425,000
Charge Offs	(25,000)	(13,000)	(765,000)	(62,000)
Recoveries	1,000	8,000	17,000	8,000
(Release of) Provision for credit losses	541,000	(1,634,000)	1,344,000	(1,952,000)
Ending balance,	11,555,000	9,400,000	11,555,000	9,400,000
Agricultural Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	544,000	39,000	395,000	48,000
Acquisition adjustment			62,000
(Release of) Provision for credit losses	(28,000)	(16,000)	59,000	(25,000)
Ending balance,	516,000	23,000	516,000	23,000
Construction Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	2,240,000	1,163,000	1,471,000	884,000
Acquisition adjustment			188,000
(Release of) Provision for credit losses	(555,000)	153,000	26,000	432,000
Ending balance,	1,685,000	1,316,000	1,685,000	1,316,000
Commercial Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	3,589,000	1,933,000	3,011,000	1,732,000
Acquisition adjustment			457,000
Charge Offs	(26,000)	(83,000)	(51,000)	(83,000)
Recoveries	6,000	3,000	60,000	99,000
(Release of) Provision for credit losses	(200,000)	234,000	(108,000)	339,000
Ending balance,	3,369,000	2,087,000	3,369,000	2,087,000
Other Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	224,000	164,000	282,000	162,000
Acquisition adjustment			16,000
Charge Offs				(48,000)
(Release of) Provision for credit losses	(12,000)	14,000	(86,000)	64,000
Ending balance,	212,000	178,000	212,000	178,000
Consumer Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	4,885,000	5,559,000	4,918,000	4,465,000
Acquisition adjustment			(9,000)
Charge Offs	(716,000)	(490,000)	(1,979,000)	(1,273,000)
Recoveries	41,000	30,000	106,000	115,000
(Release of) Provision for credit losses	645,000	691,000	1,819,000	2,483,000
Ending balance,	$ 4,855,000	$ 5,790,000	$ 4,855,000	$ 5,790,000

New and Recently Adopted Accounting Pronouncements

9 Months Ended

Sep. 30, 2026

New and Recently Adopted Accounting Pronouncements [Abstract]

New and Recently Adopted Accounting Pronouncements

11.New and Recently Adopted Accounting Pronouncements

New

In November 2024, the FASB issued ASU 2024-03, Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures. This ASU requires disclosure in the notes to financial statements of specified information about certain costs and expenses. Specific disclosures are required for (a) purchases of inventory, (b) employee compensation, (c) depreciation, (d) intangible asset amortization, and (e) depreciation, depletion, and amortization recognized as part of oil and gas producing activities. The amendments in this update do not change or remove current expense disclosure requirements. However, the amendments affect where this information appears in the notes to financial statements because entities are required to include certain current disclosures in

the same tabular format disclosure as the other disaggregation requirements in the amendments. The amendments in ASU 2024-03 apply only to public business entities and are effective for fiscal years beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027, with early adoption permitted. The Company is currently evaluating the impact of this new guidance on its financial statements.

In January 2025, the FASB issued ASU 2025-01, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40), which revises the effective date of ASU 2024-03 (on disclosures about disaggregation of income statement expenses) “to clarify that all public business entities are required to adopt the guidance in annual reporting periods beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027.” Entities within the ASU’s scope are permitted to early adopt the ASU. The Company is currently evaluating the impact of this new guidance on its financial statements.

In September 2025, the FASB issued ASU 2025-06, Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software, which modernizes the accounting for internal-use software that is developed using an incremental and iterative method (e.g., agile method). The guidance removes all references to project stages in ASC 350-40 and clarifies the threshold entities apply to begin capitalizing costs. The guidance specifies that the property, plant, and equipment disclosure requirements under ASC 360-10 apply to capitalized software costs accounted for under ASC 350-40, regardless of how those costs are presented in the financial statements. The guidance, which applies to all entities, is effective for fiscal years beginning after December 15, 2027, and interim periods within those fiscal years. Entities may apply the guidance using a prospective, retrospective, or modified transition approach. Early adoption is permitted. The Company is currently evaluating the impact of this new guidance on its financial statements.

In 2025, the FASB issued ASU 2025-07, Derivatives and Hedging (Topic 815) and Revenue from Contracts with Customers (Topic 606): Derivatives Scope Refinements and Scope Clarification for Share-Based Noncash Consideration from a Customer in a Revenue Contract, which (1) refines the scope of the guidance on derivatives in ASC 815 (Issue 1) and (2) clarifies the guidance on share-based payments from a customer in ASC 606 (Issue 2). The ASU is intended to address concerns about the application of derivative accounting to contracts that have features based on the operations or activities of one of the parties to the contract and to reduce diversity in the accounting for share-based payments in revenue contracts. The ASU adds a new scope exception for certain contracts that are not traded on an exchange and have an underlying that is based on operations or activities specific to one of the parties to the contract. This ASU clarifies that when an entity has a right to receive a share-based payment from its customer in exchange for the transfer of goods or services, the share-based payment should be accounted for as noncash consideration within the scope of ASC 606. ASU 2025-07 is effective for annual reporting periods beginning after December 15, 2026, including interim reporting periods within those annual reporting periods. Early adoption is permitted. The Company is currently evaluating the impact of this new guidance on its financial statements.

In November 2025, the FASB issued ASU 2025-09, Derivatives and Hedging (Topic 815), which amends certain aspects of the hedge accounting guidance in ASC 815 to more closely align hedge accounting with the economics of an entity’s risk management activities. The amendments, among other things, provide more flexibility for cash flow hedges and hedging of raw materials and other nonfinancial assets, as well as simplify hedge accounting for flexible debt and foreign currency debt. ASU 2025-09 should be applied prospectively for public business entities for annual reporting periods beginning after December 15, 2026, including interim reporting periods within those annual reporting periods. For all other entities, the ASU is to be applied prospectively and is effective for fiscal years beginning after December 15, 2027, including interim reporting periods within those annual reporting periods. Early adoption is permitted. The Company is currently evaluating the impact of this new guidance on its financial statements.

In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements, to clarify interim disclosure requirements, the form and content of interim financial statements, and when ASC Topic 270 applies. The amendments in the ASU provide a list of specific interim disclosures that are required by generally accepted accounting principles (GAAP), which, together with the disclosure principle, represent the complete population of required disclosures in interim reporting periods. The intent of the disclosure principle is to help entities determine whether any disclosures not specified in Topic 270 should be provided in interim reporting periods. ASU 2025-11 may be applied either prospectively or retrospectively to any or all prior periods presented in the financial statements for public business entities for interim periods in fiscal years beginning after December 15, 2027, and all other entities in interim periods in fiscal years beginning after December 15, 2028. The Company is currently evaluating the impact of this new guidance on its financial statements.

In December 2025, the FASB issued ASU 2025-12, Codification Improvements, to address 33 issues that amend the Codification to (1) clarify, (2) correct errors, or (3) make minor improvements that affect a wide variety of Topics in the Codification and apply to all reporting entities within the scope of the affected accounting guidance. The amendments make the Codification easier to understand and apply. The amendments in this Update are effective for all entities for annual reporting periods beginning after

December 15, 2026, and interim reporting periods within those annual reporting periods. The Company is currently evaluating the impact of this new guidance on its financial statements.

Recently Adopted

In November 2025, the FASB issued ASU 2025-08, Financial Instruments – Credit Losses (Topic 326), which amends the guidance in Topic 326 to expand the population of acquired financial assets subject to the gross-up approach to include loans (excluding credit cards) that are acquired without credit deterioration and deemed “seasoned.” All non-purchased credit deteriorated loans (excluding credit cards) that are acquired in a business combination are deemed seasoned. Other non-purchased credit deteriorated loans (excluding credit cards) are considered to be seasoned if they were purchased at least 90 days after origination and the acquirer was not involved in the origination of the loans. ASU 2025-08 should be applied prospectively and is effective for annual reporting periods beginning after December 15, 2026, including interim reporting periods within those annual reporting periods. Early adoption is permitted. The Company early adopted ASU 2025-08.

- Definition

The entire disclosure for change in accounting principle. Includes, but is not limited to, nature, reason, and method of adopting amendment to accounting standards or other change in accounting principle.

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Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Loans Receivable and Allowance for Credit Losses (Summary of Recorded Investment by Internal Risk Rating Systems) (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2026	Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 2,295,101,000	$ 1,853,875,000
Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	178,771,000	179,899,000
Total Loans, Fiscal Year Before Latest Fiscal Year	208,513,000	147,850,000
Total Loans, Two Years Before Latest Fiscal Year	149,936,000	97,344,000
Total Loans, Three Years Before Latest Fiscal Year	147,537,000	152,832,000
Total Loans, Four Years Before Latest Fiscal Year	174,443,000	108,711,000
Total Loans, Prior	423,796,000	300,162,000
Revolving Loans Amortized Cost Basis	88,668,000	78,932,000
Total	1,371,664,000	1,065,730,000
Pass [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	171,955,000	179,662,000
Total Loans, Fiscal Year Before Latest Fiscal Year	208,166,000	145,863,000
Total Loans, Two Years Before Latest Fiscal Year	142,379,000	95,827,000
Total Loans, Three Years Before Latest Fiscal Year	145,789,000	152,289,000
Total Loans, Four Years Before Latest Fiscal Year	170,170,000	103,146,000
Total Loans, Prior	401,991,000	284,177,000
Revolving Loans Amortized Cost Basis	84,521,000	74,962,000
Total	1,324,971,000	1,035,926,000
Special Mention [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	1,209,000	237,000
Total Loans, Fiscal Year Before Latest Fiscal Year	347,000	1,846,000
Total Loans, Two Years Before Latest Fiscal Year	916,000	1,208,000
Total Loans, Three Years Before Latest Fiscal Year	970,000	226,000
Total Loans, Four Years Before Latest Fiscal Year	3,448,000	2,602,000
Total Loans, Prior	8,703,000	7,559,000
Revolving Loans Amortized Cost Basis	1,274,000	1,075,000
Total	16,867,000	14,753,000
Substandard [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	5,607,000
Total Loans, Fiscal Year Before Latest Fiscal Year		141,000
Total Loans, Two Years Before Latest Fiscal Year	6,641,000	309,000
Total Loans, Three Years Before Latest Fiscal Year	778,000	317,000
Total Loans, Four Years Before Latest Fiscal Year	825,000	2,963,000
Total Loans, Prior	13,102,000	8,426,000
Revolving Loans Amortized Cost Basis	2,873,000	2,895,000
Total	29,826,000	15,051,000
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,061,486,000	750,249,000
Commercial Real Estate Loans [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	144,397,000	114,449,000
Total Loans, Fiscal Year Before Latest Fiscal Year	158,264,000	98,595,000
Total Loans, Two Years Before Latest Fiscal Year	110,797,000	67,981,000
Total Loans, Three Years Before Latest Fiscal Year	124,458,000	114,989,000
Total Loans, Four Years Before Latest Fiscal Year	137,914,000	89,470,000
Total Loans, Prior	359,671,000	243,514,000
Revolving Loans Amortized Cost Basis	25,985,000	21,251,000
Total	1,061,486,000	750,249,000
Current period gross charge-offs, Three Years Before Latest Fiscal Year	25,000
Current period gross charge-offs, Prior	740,000	63,000
Current period gross charge-offs, Total	765,000	63,000
Commercial Real Estate Loans [Member] \| Pass [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	144,308,000	114,399,000
Total Loans, Fiscal Year Before Latest Fiscal Year	158,216,000	98,460,000
Total Loans, Two Years Before Latest Fiscal Year	105,283,000	67,351,000
Total Loans, Three Years Before Latest Fiscal Year	123,834,000	114,785,000
Total Loans, Four Years Before Latest Fiscal Year	137,186,000	84,564,000
Total Loans, Prior	343,305,000	231,547,000
Revolving Loans Amortized Cost Basis	25,711,000	20,653,000
Total	1,037,843,000	731,759,000
Commercial Real Estate Loans [Member] \| Special Mention [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	89,000	50,000
Total Loans, Fiscal Year Before Latest Fiscal Year	48,000
Total Loans, Two Years Before Latest Fiscal Year	341,000	630,000
Total Loans, Three Years Before Latest Fiscal Year	624,000	204,000
Total Loans, Four Years Before Latest Fiscal Year	166,000	2,493,000
Total Loans, Prior	5,962,000	4,335,000
Revolving Loans Amortized Cost Basis	274,000	198,000
Total	7,504,000	7,910,000
Commercial Real Estate Loans [Member] \| Substandard [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Fiscal Year Before Latest Fiscal Year		135,000
Total Loans, Two Years Before Latest Fiscal Year	5,173,000
Total Loans, Four Years Before Latest Fiscal Year	562,000	2,413,000
Total Loans, Prior	10,404,000	7,632,000
Revolving Loans Amortized Cost Basis		400,000
Total	16,139,000	10,580,000
Agricultural Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	63,772,000	59,202,000
Agricultural Real Estate Loans [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	6,935,000	3,168,000
Total Loans, Fiscal Year Before Latest Fiscal Year	3,299,000	5,506,000
Total Loans, Two Years Before Latest Fiscal Year	4,919,000	3,287,000
Total Loans, Three Years Before Latest Fiscal Year	3,218,000	10,789,000
Total Loans, Four Years Before Latest Fiscal Year	10,311,000	3,536,000
Total Loans, Prior	33,258,000	32,535,000
Revolving Loans Amortized Cost Basis	1,832,000	381,000
Total	63,772,000	59,202,000
Agricultural Real Estate Loans [Member] \| Pass [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	2,303,000	3,016,000
Total Loans, Fiscal Year Before Latest Fiscal Year	3,149,000	4,027,000
Total Loans, Two Years Before Latest Fiscal Year	3,644,000	3,287,000
Total Loans, Three Years Before Latest Fiscal Year	3,218,000	10,789,000
Total Loans, Four Years Before Latest Fiscal Year	7,813,000	3,536,000
Total Loans, Prior	29,662,000	30,851,000
Revolving Loans Amortized Cost Basis	832,000	361,000
Total	50,621,000	55,867,000
Agricultural Real Estate Loans [Member] \| Special Mention [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	1,120,000	152,000
Total Loans, Fiscal Year Before Latest Fiscal Year	150,000	1,479,000
Total Loans, Four Years Before Latest Fiscal Year	2,498,000
Total Loans, Prior	2,060,000	1,684,000
Revolving Loans Amortized Cost Basis	1,000,000
Total	6,828,000	3,315,000
Agricultural Real Estate Loans [Member] \| Substandard [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	3,512,000
Total Loans, Two Years Before Latest Fiscal Year	1,275,000
Total Loans, Prior	1,536,000
Revolving Loans Amortized Cost Basis		20,000
Total	6,323,000	20,000
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	224,619,000	229,849,000
Commercial Loans [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	24,079,000	58,991,000
Total Loans, Fiscal Year Before Latest Fiscal Year	44,586,000	40,676,000
Total Loans, Two Years Before Latest Fiscal Year	32,050,000	24,756,000
Total Loans, Three Years Before Latest Fiscal Year	19,025,000	24,724,000
Total Loans, Four Years Before Latest Fiscal Year	24,374,000	13,710,000
Total Loans, Prior	27,941,000	19,409,000
Revolving Loans Amortized Cost Basis	52,564,000	47,583,000
Total	224,619,000	229,849,000
Current period gross charge-offs, Two Years Before Latest Fiscal Year	6,000
Current period gross charge-offs, Three Years Before Latest Fiscal Year	20,000	100,000
Current period gross charge-offs, Prior	25,000
Current period gross charge-offs, Total	51,000	100,000
Commercial Loans [Member] \| Pass [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	24,079,000	58,956,000
Total Loans, Fiscal Year Before Latest Fiscal Year	44,568,000	40,670,000
Total Loans, Two Years Before Latest Fiscal Year	31,832,000	23,869,000
Total Loans, Three Years Before Latest Fiscal Year	17,901,000	24,385,000
Total Loans, Four Years Before Latest Fiscal Year	23,783,000	13,051,000
Total Loans, Prior	26,153,000	18,356,000
Revolving Loans Amortized Cost Basis	51,191,000	46,495,000
Total	219,507,000	225,782,000
Commercial Loans [Member] \| Special Mention [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year		35,000
Total Loans, Fiscal Year Before Latest Fiscal Year	18,000
Total Loans, Two Years Before Latest Fiscal Year	218,000	578,000
Total Loans, Three Years Before Latest Fiscal Year	346,000	22,000
Total Loans, Four Years Before Latest Fiscal Year	328,000	109,000
Total Loans, Prior	626,000	259,000
Revolving Loans Amortized Cost Basis		88,000
Total	1,536,000	1,091,000
Commercial Loans [Member] \| Substandard [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Fiscal Year Before Latest Fiscal Year		6,000
Total Loans, Two Years Before Latest Fiscal Year		309,000
Total Loans, Three Years Before Latest Fiscal Year	778,000	317,000
Total Loans, Four Years Before Latest Fiscal Year	263,000	550,000
Total Loans, Prior	1,162,000	794,000
Revolving Loans Amortized Cost Basis	1,373,000	1,000,000
Total	3,576,000	2,976,000
Other Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	21,787,000	26,430,000
Other Agricultural Loans [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	3,360,000	3,291,000
Total Loans, Fiscal Year Before Latest Fiscal Year	2,364,000	3,073,000
Total Loans, Two Years Before Latest Fiscal Year	2,170,000	1,320,000
Total Loans, Three Years Before Latest Fiscal Year	836,000	2,330,000
Total Loans, Four Years Before Latest Fiscal Year	1,844,000	1,995,000
Total Loans, Prior	2,926,000	4,704,000
Revolving Loans Amortized Cost Basis	8,287,000	9,717,000
Total	21,787,000	26,430,000
Current period gross charge-offs, Prior		48,000
Current period gross charge-offs, Total		48,000
Other Agricultural Loans [Member] \| Pass [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	1,265,000	3,291,000
Total Loans, Fiscal Year Before Latest Fiscal Year	2,233,000	2,706,000
Total Loans, Two Years Before Latest Fiscal Year	1,620,000	1,320,000
Total Loans, Three Years Before Latest Fiscal Year	836,000	2,330,000
Total Loans, Four Years Before Latest Fiscal Year	1,388,000	1,995,000
Total Loans, Prior	2,871,000	3,423,000
Revolving Loans Amortized Cost Basis	6,787,000	7,453,000
Total	17,000,000	22,518,000
Other Agricultural Loans [Member] \| Special Mention [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Fiscal Year Before Latest Fiscal Year	131,000	367,000
Total Loans, Two Years Before Latest Fiscal Year	357,000
Total Loans, Four Years Before Latest Fiscal Year	456,000
Total Loans, Prior	55,000	1,281,000
Revolving Loans Amortized Cost Basis		789,000
Total	999,000	2,437,000
Other Agricultural Loans [Member] \| Substandard [Member] \| Non-Homogenous Pools [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans, Current Fiscal Year	2,095,000
Total Loans, Two Years Before Latest Fiscal Year	193,000
Revolving Loans Amortized Cost Basis	1,500,000	1,475,000
Total	$ 3,788,000	$ 1,475,000

Revenue Recognition (Tables)

9 Months Ended

Sep. 30, 2026

Revenue Recognition [Abstract]

Noninterest Income



	Three months ended
	September 30,
(dollars in thousands)
Noninterest Income	2026		2025
In-scope of Topic 606:
Service charges on deposit accounts	$	133	$	121
ATM fees		49		50
Overdraft fees		472		399
Safe deposit box rental		16		22
Loan related service fees		277		181
Debit card fees		745		634
Fiduciary activities		265		254
Commissions on mutual funds and annuities		265		188
Other income		259		193
Noninterest Income (in-scope of Topic 606)		2,481		2,042
Out-of-scope of Topic 606:
Loan servicing fees		47		65
Gains on sales of loans		58		130
Earnings on and proceeds from bank-owned life insurance		334		268
Noninterest Income (out-of-scope of Topic 606)		439		463
Total Noninterest Income	$	2,920	$	2,505



	Nine months ended
	September 30,
(dollars in thousands)
Noninterest Income	2026		2025
In-scope of Topic 606:
Service charges on deposit accounts	$	427	$	348
ATM fees		131		205
Overdraft fees		1,349		1,146
Safe deposit box rental		70		68
Loan related service fees		635		462
Debit card fees		2,126		1,777
Fiduciary activities		751		805
Commissions on mutual funds and annuities		547		528
Other income		824		551
Noninterest Income (in-scope of Topic 606)		6,860		5,890
Out-of-scope of Topic 606:
Loan servicing fees		140		153
Gains on sales of loans		188		242
Earnings on and proceeds from bank-owned life insurance		974		820
Noninterest Income (out-of-scope of Topic 606)		1,302		1,215
Total Noninterest Income	$	8,162	$	7,105

Securities (Narrative) (Details)	3 Months Ended		9 Months Ended
Securities (Narrative) (Details)	Sep. 30, 2026 USD ($) security	Sep. 30, 2025 USD ($)	Sep. 30, 2026 USD ($) security	Sep. 30, 2025 USD ($)	Dec. 31, 2025 USD ($)
Securities [Abstract]
Debt securities in unrealized loss position in the less than twelve months category \| security	102		102
Debt securities in unrealized loss position in the twelve months or more category \| security	172		172
ACL on debt securities available for sale	$ 0	$ 0	$ 0	$ 0	$ 0
Pledged financial instruments, not separately reported, securities	285,321,000		285,321,000		$ 264,698,000
Proceeds from sales of securities	$ 0	$ 0	$ 0	$ 0

Securities (Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity) (Details) - USD ($)	Sep. 30, 2026	Dec. 31, 2025
Securities [Abstract]
Available for Sale, Amortized Cost, Due in one year or less	$ 9,908,000
Available for Sale, Amortized Cost, Due after one year through five years	26,775,000
Available for Sale, Amortized Cost, Due after five years through ten years	87,874,000
Available for Sale, Amortized Cost, Due after ten years	38,014,000
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis, Total	162,571,000
Available for Sale, Amortized Cost, Mortgage-backed securities-government sponsored entities	318,213,000
Available for Sale, Amortized Cost, Total	480,784,000	$ 436,493,000
Available for Sale, Fair Value, Due in one year or less	9,833,000
Available for Sale, Fair Value, Due after one year through five years	25,981,000
Available for Sale, Fair Value, Due after five years through ten years	74,973,000
Available for Sale, Fair Value, Due after ten years	28,763,000
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Total	139,550,000
Available for Sale, Fair Value, Mortgage-backed securities-government sponsored entities	289,942,000
Available for Sale, Fair Value, Total	$ 429,492,000	$ 408,782,000

Segment Reporting

9 Months Ended

Sep. 30, 2026

Segment Reporting [Abstract]

Segment Reporting

12.Segment Reporting

ASC Topic 280 – Segment Reporting identifies operating segments as components of an enterprise which are evaluated regularly by the Company’s Chief Operating Decision Maker, our Chief Executive Officer, in deciding how to develop strategy, allocate resources and assess performance.

The Company acts as an independent community financial services provider and offers traditional banking related financial services to individual, business and government customers. Through its Community Office and automated teller machine network, the Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of safe deposit services. The Company also performs personal, corporate, pension and fiduciary services through its Trust Department.

Operating segments are aggregated into one segment, as operating results for all segments are similar. Accordingly, all the financial service operations are considered by management to be aggregated in one reportable operating segment, Community Banking.

The Chief Operating Decision Maker assesses performance and decides how to allocate resources based on net income that also is reported on the income statement as consolidated net income. Net income is used to monitor budget versus actual results.

The Chief Operating Decision Maker uses revenue streams and significant expenses to assess performance and evaluate return on assets and return on equity. The chief operating decision maker uses consolidated net income to benchmark the Company against its competitors. The benchmarking analysis and budget to actual results are used in assessing performance and in establishing compensation.

The accounting policies for the Community Banking segment are the same as those of our consolidated entity, which are described in Note 2 in the Annual Report filed on Form 10-K. Information utilized in the performance assessment by the Chief Operating Decision Maker is consistent with the level of aggregation disclosed in the Consolidated Statement of Income. The measure of segment assets is reported on the balance sheet as total consolidated assets.

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-Section 50
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 41
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-41

+ Details

Interest Rate Swaps (Tables)

9 Months Ended

Sep. 30, 2026

Interest Rate Swaps [Abstract]

Summary of Derivatives


(Amounts in thousands)
	Notional Amount								Fair Value
		September 30, 2026		December 31, 2025		Interest Rate Paid		Interest Rate Received		September 30, 2026		December 31, 2025
Customer interest rate swap

Maturing November, 2030	$	5,063	$	5,366	Term SOFR + Margin			Fixed	$	587	$	471
Maturing December, 2030		3,254		3,474	Term SOFR + Margin			Fixed		372		300

Total	$	8,317	$	8,840					$	959	$	771


Third party interest rate swap

Maturing November, 2030	$	5,063	$	5,366		Fixed	Term SOFR + Margin		$	587	$	471
Maturing December, 2030		3,254		3,474		Fixed	Term SOFR + Margin			372		300

Total	$	8,317	$	8,840					$	959	$	771

Fair Value of Derivative Instruments


	(Amounts in thousands)
	Assets			Liabilities
	Balance Sheet Location		Fair Value	Balance Sheet Location		Fair Value
September 30, 2026
Interest rate derivatives	Other assets	$	959	Other liabilities	$	959

December 31, 2025
Interest rate derivatives	Other assets		771	Other liabilities		771

Stock-Based Compensation

9 Months Ended

Sep. 30, 2026

Stock-Based Compensation [Abstract]

Stock-Based Compensation

4. Stock-Based Compensation

During the nine-month period ended September 30, 2026, no stock options were granted. As of September 30, 2026, there was $74,000 of total unrecognized compensation cost related to non-vested stock options granted in 2025 under the 2024 Equity Incentive Plan, which will be fully realized by December 31, 2026. Compensation costs related to stock options amounted to $222,000 and $186,000 during the nine-month periods ended September 30, 2026 and 2025, respectively. For the three-month periods ended September 30, 2026 and 2025, the compensation costs related to stock options amounted to $74,000 and $62,000, respectively.

A summary of the Company’s stock option activity for the nine-month period ended September 30, 2026 is as follows:



		Weighted
		Average Exercise		Weighted Average		Aggregate
		Price		Remaining		Intrinsic Value
	Options	Per Share		Contractual Term		($000)
Outstanding at January 1, 2026	234,871	$	29.98	6.37	Yrs.	$	134
Granted	—		—	—
Exercised	(34,021)		27.91	4.20
Forfeited	(9,500)		32.31	4.98
Outstanding at September 30, 2026	191,350	$	30.23	5.97	Yrs.	$	929
Exercisable at September 30, 2026	152,850	$	30.34	5.16	Yrs.	$	729

Intrinsic value represents the amount by which the market price of the stock on the measurement date exceeded the exercise price of the option. The market price was $33.04 per share as of September 30, 2026 and $28.05 per share as of December 31, 2025.

A summary of the Company’s restricted stock activity for the nine-month periods ended September 30, 2026 and 2025 is as follows:



	2026			2025
		Weighted-			Weighted-
		Average			Average
	Number of	Grant Date		Number of	Grant Date
	Restricted			Restricted
	Stock	Fair Value		Stock	Fair Value
Non-vested, January 1,	58,127	$	29.12	54,484	$	28.55
Granted	—		—	1,220		26.44
Vested	(501)		25.39	(5,627)		27.01
Forfeited	—		—	(2,147)		28.99
Non-vested, September 30,	57,626	$	29.15	47,930	$	28.66

The expected future compensation expense relating to the 57,626 shares of non-vested restricted stock outstanding as of September 30, 2026 is $1,284,000. This cost will be recognized over the remaining vesting period of 4.25 years. Compensation costs related to restricted stock amounted to $405,000 and $350,000 during the nine-month periods ended September 30, 2026 and 2025, respectively. For the three-month periods ended September 30, 2026 and 2025, the compensation costs related to restricted stock amounted to $134,000 and $117,000, respectively.

Acquisition of PB Bankshares, Inc. and Presence Bank (Summary of Consideration Transferred and Fair Value of Assets Acquired, and Liabilities Assumed) (Details) - USD ($)	Jan. 05, 2026	Sep. 30, 2026	Dec. 31, 2025
Recognized amounts of identifiable assets acquired and liabilities assumed, at fair value
Goodwill		$ 36,375,000	$ 29,266,000
PB Bankshares, Inc. [Member]
Business Acquisition [Line Items]
Total Purchase Price For Accounting Purposes	$ 55,994,000
Recognized amounts of identifiable assets acquired and liabilities assumed, at fair value
Cash and cash equivalents	40,979,000
Federal funds	27,769,000
Securities, available for sale	18,787,000
Loans Gross	346,569,000
Allowance for credit losses	(4,264,000)
Loans, net of allowance	342,305,000
Bank owned life insurance	8,676,000
Premises	1,828,000
Furniture, fixtures and equipment	554,000
Accrued interest receivable	1,480,000
Restricted investment in bank stock	2,009,000
Deferred tax asset	3,337,000
Core deposit intangible	3,386,000
Operating lease right of use asset	1,246,000
Other asset	3,747,000
Total identifiable assets acquired at fair value	456,103,000
Deposits	356,596,000
Borrowings	41,644,000
Accrued interest payable	972,000
Operating lease liability	1,240,000
Reserve for unfunded commitments	115,000
Other liabilities	6,650,000
Total liabilities assumed	407,217,000
Total identifiable net assets, at fair value	48,886,000
Goodwill	$ 7,109,000

Loans Receivable and Allowance for Credit Losses (Loan Modifications Made to Borrowers) (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2026 USD ($)
Significant Payment Delay [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 1,647
Significant Payment Delay [Member] \| New Loans Granted [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	142
Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	7,321
Combination - Significant Payment Delay and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	1,873
Combination - Significant Payment Delay and Term Extension [Member] \| New Loans Granted [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	615
Agricultural Real Estate Loans [Member] \| Significant Payment Delay [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 562
% of Total Class of Financing Receivable	0.88%
Modified weighted average term	9 months
Agricultural Real Estate Loans [Member] \| Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 3,558
% of Total Class of Financing Receivable	5.58%
Modified weighted average term	19 years 9 months 18 days
Agricultural Real Estate Loans [Member] \| Combination - Significant Payment Delay and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 615
% of Total Class of Financing Receivable	0.96%
Agricultural Real Estate Loans [Member] \| Combination - Significant Payment Delay and Term Extension [Member] \| New Loans Granted [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 615
Agricultural Real Estate Loans [Member] \| Deferred Principal [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	9 months 27 days
Agricultural Real Estate Loans [Member] \| Minimum [Member] \| Deferred Principal [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	8 months
Agricultural Real Estate Loans [Member] \| Maximum [Member] \| Deferred Principal [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	10 months
Commercial Real Estate Loans [Member] \| Significant Payment Delay [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 683
% of Total Class of Financing Receivable	0.06%
Commercial Real Estate Loans [Member] \| Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 732
% of Total Class of Financing Receivable	0.07%
Modified weighted average term	5 months 18 days
Commercial Real Estate Loans [Member] \| Combination - Significant Payment Delay and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 633
% of Total Class of Financing Receivable	0.06%
Commercial Real Estate Loans [Member] \| Deferred Principal [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	9 months 24 days
Commercial Real Estate Loans [Member] \| Minimum [Member] \| Significant Payment Delay [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	4 months
Commercial Real Estate Loans [Member] \| Minimum [Member] \| Deferred Principal [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	6 months
Commercial Real Estate Loans [Member] \| Maximum [Member] \| Significant Payment Delay [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	8 months
Commercial Real Estate Loans [Member] \| Maximum [Member] \| Deferred Principal [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	14 months
Commercial Loans [Member] \| Significant Payment Delay [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 402
% of Total Class of Financing Receivable	0.18%
Commercial Loans [Member] \| Significant Payment Delay [Member] \| New Loans Granted [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 142
Commercial Loans [Member] \| Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 936
% of Total Class of Financing Receivable	0.42%
Modified weighted average term	1 year 1 month 6 days
Commercial Loans [Member] \| Combination - Significant Payment Delay and Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 625
% of Total Class of Financing Receivable	0.28%
Commercial Loans [Member] \| Deferred Principal [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	8 months 12 days
Commercial Loans [Member] \| Minimum [Member] \| Significant Payment Delay [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	7 months
Commercial Loans [Member] \| Minimum [Member] \| Deferred Principal [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	6 months
Commercial Loans [Member] \| Maximum [Member] \| Significant Payment Delay [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	15 months
Commercial Loans [Member] \| Maximum [Member] \| Deferred Principal [Member]
Financing Receivable, Modified [Line Items]
Modified weighted average term	9 months
Other Agricultural Loans [Member] \| Term Extension [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 2,095
% of Total Class of Financing Receivable	9.62%
Modified weighted average term	10 years
Financial Asset, Past Due [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 757
Financial Asset, Past Due [Member] \| Agricultural Real Estate Loans [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	615
Financial Asset, Past Due [Member] \| Commercial Loans [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	142
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	142
Financing Receivables, 30 to 59 Days Past Due [Member] \| Commercial Loans [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	142
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	615
Financing Receivables, 60 to 89 Days Past Due [Member] \| Agricultural Real Estate Loans [Member]
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 615

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2026
Insider Trading Arrangements [Line Items]
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Fair Value of Assets and Liabilities (Narrative) (Details)	9 Months Ended	12 Months Ended
	Sep. 30, 2026 USD ($) loan	Dec. 31, 2025 USD ($) loan
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, individually evaluated, without allowance for credit loss	$ 16,025,000	$ 5,492,000
Number of impaired loans requiring a valuation allowance \| loan	57	51
Fair Value	$ 18,635,000	$ 7,923,000
Charge-offs against the allowance for credit losses	40,000	0
Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, individually evaluated, with allowance for credit loss	$ 3,201,000	$ 2,976,000
Number of loans with related allowance \| loan	46	40
Valuation allowance	$ 594,000	$ 293,000
Charge-offs against the allowance for credit losses	$ 0	$ 0

Fair Value of Assets and Liabilities (Fair Value, Assets and Liabilities Measured on Recurring Basis) (Details) - Fair Value, Recurring [Member] - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
U.S. Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	$ 24,365	$ 20,857
U.S. Treasury Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	24,365	20,857
U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	7,557	7,675
U.S. Government Agencies [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	7,557	7,675
States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	83,736	92,500
States And Political Subdivisions [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	83,736	92,500
Corporate Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	23,892	13,551
Corporate Obligations [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	23,892	13,551
Mortgage-backed Securities-Government Sponsored Entities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	289,942	274,199
Mortgage-backed Securities-Government Sponsored Entities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	289,942	274,199
Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	959	771
LIABILITIES	959	771
Interest Rate Swap [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	959	771
LIABILITIES	$ 959	$ 771

Consolidated Balance Sheets - USD ($)	Sep. 30, 2026	Dec. 31, 2025
ASSETS
Cash and due from banks	$ 19,857,000	$ 32,118,000
Interest-bearing deposits with banks	52,667,000	12,318,000
Cash and cash equivalents	72,524,000	44,436,000
Securities available for sale, at fair value (net of allowance for credit losses of $0)	429,492,000	408,782,000
Loans receivable (net of allowance for credit losses of $25,146 and $19,882)	2,269,321,000	1,833,540,000
Regulatory stock, at cost	8,460,000	6,623,000
Bank premises and equipment, net	25,140,000	22,971,000
Bank owned life insurance	62,738,000	46,089,000
Accrued interest receivable	10,609,000	9,250,000
Foreclosed real estate owned	771,000	771,000
Deferred tax assets, net	22,982,000	14,654,000
Goodwill	36,375,000	29,266,000
Other intangibles	2,992,000	98,000
Other assets	10,153,000	8,362,000
TOTAL ASSETS	2,951,557,000	2,424,842,000
Deposits:
Non-interest bearing demand	487,753,000	419,597,000
Interest-bearing	2,021,227,000	1,659,048,000
Total deposits	2,508,980,000	2,078,645,000
Short-term borrowings	56,124,000	14,714,000
Other borrowings	62,728,000	59,419,000
Accrued interest payable	10,467,000	12,138,000
Other liabilities	29,897,000	17,769,000
TOTAL LIABILITIES	2,668,196,000	2,182,685,000
STOCKHOLDERS' EQUITY
Preferred stock, no par value per share, authorized: 5,000,000 shares; issued: none
Common stock, $0.10 par value per share, authorized: 20,000,000 shares, issued: 2026: 11,184,631 shares, 2025: 9,516,503 shares	1,118,000	952,000
Surplus	174,650,000	127,426,000
Retained earnings	154,956,000	141,130,000
Treasury stock at cost: 2026: 269,841 shares; 2025: 222,645 shares	(7,390,000)	(6,008,000)
Accumulated other comprehensive loss	(39,973,000)	(21,343,000)
TOTAL STOCKHOLDERS’ EQUITY	283,361,000	242,157,000
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 2,951,557,000	$ 2,424,842,000

Fair Value of Assets and Liabilities (Fair Value, by Balance Sheet Grouping) (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and cash equivalents	$ 72,524	$ 44,436
Regulatory stock	8,460	6,623
Bank owned life insurance	62,738	46,089
Accrued interest receivable	10,609	9,250
Financial liabilities:
Deposits	1,481,905	1,213,279
Short-term borrowings	56,124	14,714
Accrued interest payable	10,467	12,138
Fair Value, Inputs, Level 3 [Member]
Financial assets:
Loans receivable, net	2,273,088	1,841,753
Mortgage servicing rights	703	673
Financial liabilities:
Deposits	1,018,776	863,426
Other borrowings	59,244	59,635
Carrying Amount [Member]
Financial assets:
Cash and cash equivalents	72,524	44,436
Loans receivable, net	2,269,321	1,833,540
Mortgage servicing rights	241	238
Regulatory stock	8,460	6,623
Bank owned life insurance	62,738	46,089
Accrued interest receivable	10,609	9,250
Financial liabilities:
Deposits	2,508,980	2,078,645
Short-term borrowings	56,124	14,714
Other borrowings	62,728	59,419
Accrued interest payable	10,467	12,138
Fair Value [Member]
Financial assets:
Cash and cash equivalents	72,524	44,436
Loans receivable, net	2,273,088	1,841,753
Mortgage servicing rights	703	673
Regulatory stock	8,460	6,623
Bank owned life insurance	62,738	46,089
Accrued interest receivable	10,609	9,250
Financial liabilities:
Deposits	2,500,681	2,076,705
Short-term borrowings	56,124	14,714
Other borrowings	59,244	59,635
Accrued interest payable	$ 10,467	$ 12,138

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Consolidated Statements Of Income - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
INTEREST INCOME
Loans receivable, including fees	$ 36,635	$ 28,141	$ 106,093	$ 81,244
Securities	4,472	3,907	13,076	11,648
Interest bearing deposits with other banks	354	144	1,132	590
Total interest income	41,461	32,192	120,301	93,482
INTEREST EXPENSE
Deposits	12,775	10,730	38,462	32,347
Short-term borrowings	37	105	128	774
Other borrowings	640	899	2,309	2,981
Total interest expense	13,452	11,734	40,899	36,102
NET INTEREST INCOME	28,009	20,458	79,402	57,380
PROVISION FOR CREDIT LOSSES
Provision for credit losses	233	(392)	3,589	1,372
Provision for off balance sheet commitments	(133)	(110)	(86)	(67)
Total provision for credit losses	100	(502)	3,503	1,305
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	27,909	20,960	75,899	56,075
OTHER INCOME
Other income	2,481	2,042	6,860	5,890
Gains on sales of loans, net	58	130	188	242
Earnings and proceeds on bank owned life insurance	334	268	974	820
Other	259	193	824	551
Total other income	2,920	2,505	8,162	7,105
OTHER EXPENSES
Salaries and employee benefits	8,274	6,696	25,497	19,773
Occupancy, furniture & equipment, net	1,521	1,361	4,815	4,088
Data processing and related operations	1,650	1,087	4,660	3,361
Taxes, other than income	145	192	521	577
Professional fees	530	400	1,952	1,532
Federal Deposit Insurance Corporation insurance	639	368	1,574	1,129
Foreclosed real estate	58	1	125	143
Amortization of intangibles	162	12	493	42
Merger-related expenses		568	4,994	718
Other	2,573	2,249	7,704	6,166
Total other expenses	15,552	12,934	52,335	37,529
INCOME BEFORE INCOME TAXES	15,277	10,531	31,726	25,651
INCOME TAX EXPENSE	3,514	2,197	6,905	5,338
NET INCOME	$ 11,763	$ 8,334	$ 24,821	$ 20,313
BASIC EARNINGS PER SHARE	$ 1.08	$ 0.89	$ 2.29	$ 2.22
DILUTED EARNINGS PER SHARE	$ 1.08	$ 0.89	$ 2.29	$ 2.22
Service Charges And Fees [Member]
OTHER INCOME
Other income	$ 2,004	$ 1,660	$ 5,425	$ 4,687
Income From Fiduciary Activities [Member]
OTHER INCOME
Other income	$ 265	$ 254	$ 751	$ 805

Securities

9 Months Ended

Sep. 30, 2026

Securities [Abstract]

Securities

7.Securities

The amortized cost, gross unrealized gains and losses, approximate fair value, and allowance for credit losses of securities available for sale were as follows:



	September 30, 2026
			Gross		Gross			Allowance
	Amortized		Unrealized		Unrealized			for Credit	Fair
	Cost		Gains		Losses			Losses	Value
	(In Thousands)
Available for Sale:
U.S. Treasury securities	$	24,881	$	-	$	(516)	$	-	$	24,365
U.S. Government agencies		8,000		-		(443)		-		7,557
States and political subdivisions		105,916		-		(22,180)		-		83,736
Corporate obligations		23,774		226		(108)		-		23,892
Mortgage-backed securities-
government sponsored entities		318,213		24		(28,295)		-		289,942
Total debt securities	$	480,784	$	250	$	(51,542)	$	-	$	429,492




	December 31, 2025
			Gross		Gross			Allowance
	Amortized		Unrealized		Unrealized			for Credit	Fair
	Cost		Gains		Losses			Losses	Value
	(In Thousands)
Available for Sale:
U.S. Treasury securities	$	20,834	$	32	$	(9)	$	-	$	20,857
U.S. Government agencies		8,000		26		(351)		-		7,675
States and political subdivisions		107,164		1		(14,665)		-		92,500
Corporate obligations		13,545		96		(90)				13,551
Mortgage-backed securities-
government sponsored entities		286,950		2,820		(15,571)		-		274,199
Total debt securities	$	436,493	$	2,975	$	(30,686)	$	-	$	408,782

The following tables summarize debt securities available for sale in a loss position for which an allowance for credit losses has not been recorded, aggregated by security type and length of time that individual securities have been in a continuous unrealized loss position (in thousands):




	September 30, 2026
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. Treasury securities	$	24,365	$	(516)	$	-	$	-	$	24,365	$	(516)
U.S. Government agencies		3,000		-		4,557		(443)		7,557		(443)
States and political subdivisions		3,968		(337)		79,768		(21,843)		83,736		(22,180)
Corporate obligations		8,610		(108)		-		-		8,610		(108)
Mortgage-backed securities-government sponsored entities		193,977		(9,148)		82,477		(19,147)		276,454		(28,295)
	$	233,920	$	(10,109)	$	166,802	$	(41,433)	$	400,722	$	(51,542)



	December 31, 2025
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. Treasury securities	$	14,837	$	(9)	$	-	$	-	$	14,837	$	(9)
U.S. Government agencies		-		-		4,649		(351)		4,649		(351)
States and political subdivisions		-		-		89,462		(14,665)		89,462		(14,665)
Corporate obligations		5,556		(90)		-		-		5,556		(90)
Mortgage-backed securities-government sponsored entities		11,979		(62)		103,744		(15,509)		115,723		(15,571)
	$	32,372	$	(161)	$	197,855	$	(30,525)	$	230,227	$	(30,686)

At September 30, 2026, the Company had 102 debt securities in an unrealized loss position in the less than twelve months category and 172 debt securities in the twelve months or more category. In Management’s opinion the unrealized losses reflect changes in interest rates subsequent to the acquisition of specific securities. The Company concluded that the decline in the value of these securities was not indicative of a credit loss. The Company did not recognize any credit losses on these available for sale debt securities for the nine months ended September 30, 2026 and 2025. The Company does not have the intent to sell the securities, and it is more likely than not that it will not have to sell the securities before recovery of its cost basis.

The amortized cost and fair value of debt securities as of September 30, 2026 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to prepay obligations with or without call or prepayment penalties.


	Available for Sale
	Amortized Cost		Fair Value
		(In Thousands)
Due in one year or less	$	9,908	$	9,833
Due after one year through five years		26,775		25,981
Due after five years through ten years		87,874		74,973
Due after ten years		38,014		28,763
		162,571		139,550
Mortgage-backed securities-government sponsored entities		318,213		289,942
	$	480,784	$	429,492

There were no sales of securities available for sale for the three and nine months ended September 30, 2026 and 2025.

Securities with a carrying value of $285,321,000 and $264,698,000 at September 30, 2026 and December 31, 2025, respectively, were pledged to secure public deposits, securities sold under agreements to repurchase and for other purposes as required or permitted by law.

Accumulated Other Comprehensive Loss

9 Months Ended

Sep. 30, 2026

Accumulated Other Comprehensive Loss [Abstract]

Accumulated Other Comprehensive Loss

5. Accumulated Other Comprehensive Loss

The following table presents the changes in accumulated other comprehensive loss (in thousands) by component net of tax for the three and nine months ended September 30, 2026 and 2025:




	Unrealized losses on
	available for sale securities
	and pension liability (a)
Balance as of December 31, 2025	$	(21,343)
Other comprehensive loss before reclassification		(18,630)
Total other comprehensive loss		(18,630)
Balance as of September 30, 2026	$	(39,973)


	Unrealized losses on
	available for sale securities
	and pension liability (a)
Balance as of December 31, 2024	$	(33,121)
Other comprehensive income before reclassification		9,413
Total other comprehensive income		9,413
Balance as of September 30, 2025	$	(23,708)


	Unrealized losses on
	available for sale securities
	and pension liability (a)
Balance as of June 30, 2026	$	(24,543)
Other comprehensive loss before reclassification		(15,430)
Total other comprehensive loss		(15,430)
Balance as of September 30, 2026	$	(39,973)


	Unrealized gains (losses) on
	available for sale securities
	and pension liability (a)
Balance as of June 30, 2025	$	(27,505)
Other comprehensive income before reclassification		3,797
Total other comprehensive income		3,797
Balance as of September 30, 2025	$	(23,708)

(a)All amounts are net of tax. Amounts in parentheses indicate debits.

There were no amounts reclassified out of accumulated other comprehensive loss for the three and nine months ended September 30, 2026 and 2025.

Basis of Presentation (Policies)	9 Months Ended
Basis of Presentation (Policies)	Sep. 30, 2026
Basis of Presentation [Abstract]
Principles of Consolidation	The unaudited consolidated financial statements include the accounts of Norwood Financial Corp (the “Company”) and its wholly-owned subsidiary, Wayne Bank (the “Bank”), and the Bank’s wholly-owned subsidiaries, WCB Realty Corp., Norwood Investment Corp., and WTRO Properties, Inc. All significant intercompany accounts and transactions have been eliminated in consolidation.
Basis of Presentation	The accompanying unaudited consolidated financial statements have been prepared in conformity with generally accepted accounting principles for interim financial statements and with instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. Actual results could differ from those estimates. The financial statements reflect, in the opinion of management, all normal, recurring adjustments necessary to present fairly the consolidated financial position and results of operations of the Company. The operating results for the three-month and nine-month periods ended September 30, 2026, are not necessarily indicative of the results that may be expected for the year ending December 31, 2026 or any other future interim period.

Interest Rate Swaps (Fair Value of Derivative Instruments) (Details) - Interest Rate Contract [Member] - USD ($)	Sep. 30, 2026	Dec. 31, 2025
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Assets	$ 959,000	$ 771,000
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Liabilities	$ 959,000	$ 771,000
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References + Details

- Definition

Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.

+ References

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+ Details

Stock-Based Compensation (Summary of Restricted Stock Activity) (Details) - $ / shares	9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025
Stock-Based Compensation [Abstract]
Restricted stock Non-vested, beginning balance	58,127	54,484
Restricted stock, granted		1,220
Restricted stock, vested	(501)	(5,627)
Restricted stock, forfeited		(2,147)
Restricted stock Non-vested, ending balance	57,626	47,930
Restricted stock Non-vested, weighted-average grant date fair value, beginning balance	$ 29.12	$ 28.55
Restricted stock, granted, weighted-average grant date fair value		26.44
Restricted stock, vested, weighted-average grant date fair value	25.39	27.01
Restricted stock, forfeited, weighted-average grant date fair value		28.99
Restricted stock Non-vested, weighted-average grant date fair value, ending balance	$ 29.15	$ 28.66

Earnings Per Share (Narrative) (Details) - $ / shares	3 Months Ended		9 Months Ended
Earnings Per Share (Narrative) (Details) - $ / shares	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Earnings Per Share [Abstract]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	15,000	188,850	15,000	188,850
Share price	$ 33.04	$ 25.42	$ 33.04	$ 25.42	$ 28.05

Interest Rate Swaps (Summary of Derivatives) (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Investment, Variable Interest Rate, Type [Extensible Enumeration]	us-gaap:SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMember	us-gaap:SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMember
Customer Interest Rate Swap [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	$ 8,317	$ 8,840
Fair Value	959	771
Customer Interest Rate Swap [Member] \| Maturing November, 2030 [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	5,063	5,366
Fair Value	587	471
Customer Interest Rate Swap [Member] \| Maturing December, 2030 [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	3,254	3,474
Fair Value	372	300
Third Party Interest Rate Swap [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	8,317	8,840
Fair Value	959	771
Third Party Interest Rate Swap [Member] \| Maturing November, 2030 [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	5,063	5,366
Fair Value	587	471
Third Party Interest Rate Swap [Member] \| Maturing December, 2030 [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	3,254	3,474
Fair Value	$ 372	$ 300

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References + Details

Earnings Per Share

9 Months Ended

Sep. 30, 2026

Earnings Per Share [Abstract]

Earnings Per Share

3. Earnings Per Share

Basic earnings per share represents income available to common stockholders divided by the weighted average number of common shares outstanding during the period. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and restricted stock, and are determined using the treasury stock method.

The following table sets forth the weighted average shares outstanding used in the computations of basic and diluted earnings per share.





(in thousands)	Three Months Ended		Nine Months Ended
	September 30,		September 30,
	2026	2025	2026	2025
Weighted average shares outstanding	10,904	9,364	10,874	9,263
Less: Unvested restricted shares	(58)	(48)	(57)	(102)
Basic EPS weighted average shares outstanding	10,846	9,316	10,817	9,161
Basic EPS weighted average shares outstanding	10,846	9,316	10,817	9,161
Add: Dilutive effect of stock options and restricted shares	24	1	24	3
Diluted EPS weighted average shares outstanding	10,870	9,317	10,841	9,164

For the three and nine-month periods ended September 30, 2026, there were 15,000 stock options that were anti-dilutive and thereby excluded from the earnings per share calculations based upon the closing price of the Company’s common stock of $33.04 per share as of September 30, 2026.

For the three and nine-month periods ended September 30, 2025, there were 188,850 stock options that were anti-dilutive and thereby excluded from the earnings per share calculations based upon the closing price of the Company’s common stock of $25.42 per share as of September 30, 2025.

Consolidated Statements Of Changes In Stockholders’ Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Consolidated Statements Of Changes In Stockholders’ Equity [Abstract]
Cash dividends declared	$ 0.32	$ 0.31	$ 0.96	$ 0.93

Consolidated Statements Of Changes In Stockholders’ Equity - USD ($)	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Loss [Member]	Total
Beginning balance at Dec. 31, 2024	$ 949,000	$ 126,514,000	$ 124,963,000	$ (5,797,000)	$ (33,121,000)	$ 213,508,000
Beginning balance, shares at Dec. 31, 2024	9,487,068
Beginning balance, shares at Dec. 31, 2024				214,161
Net income			20,313,000			20,313,000
Other comprehensive income (loss)					9,413,000	9,413,000
Cash dividends declared			(8,614,000)			(8,614,000)
Acquisition of treasury stock				$ (349,000)		(349,000)
Acquisition of treasury stock, shares				15,822
Compensation expense related to restricted stock		412,000		$ (62,000)		350,000
Compensation expense related to restricted stock, shares	1,220
Director retainer stock		84,000				84,000
Director retainer stock, shares	3,270
Stock options exercised		(6,000)		$ 20,000		14,000
Stock options exercised, shares				(750)
Compensation expense related to stock options		186,000				186,000
Ending balance at Sep. 30, 2025	$ 949,000	127,190,000	136,662,000	$ (6,188,000)	(23,708,000)	234,905,000
Ending balance, shares at Sep. 30, 2025	9,491,558
Ending balance, shares at Sep. 30, 2025				229,233
Beginning balance at Jun. 30, 2025	$ 949,000	126,990,000	131,199,000	$ (6,208,000)	(27,505,000)	225,425,000
Beginning balance, shares at Jun. 30, 2025	9,490,505
Beginning balance, shares at Jun. 30, 2025				229,983
Net income			8,334,000			8,334,000
Other comprehensive income (loss)					3,797,000	3,797,000
Cash dividends declared			(2,871,000)			(2,871,000)
Compensation expense related to restricted stock		117,000				117,000
Director retainer stock	$ 1,053	27,000				27,000
Stock options exercised		(6,000)		$ 20,000		14,000
Stock options exercised, shares				(750)
Compensation expense related to stock options		62,000				62,000
Ending balance at Sep. 30, 2025	$ 949,000	127,190,000	136,662,000	$ (6,188,000)	(23,708,000)	234,905,000
Ending balance, shares at Sep. 30, 2025	9,491,558
Ending balance, shares at Sep. 30, 2025				229,233
Beginning balance at Dec. 31, 2025	$ 952,000	127,426,000	141,130,000	$ (6,008,000)	(21,343,000)	$ 242,157,000
Beginning balance, shares at Dec. 31, 2025	9,516,503
Beginning balance, shares at Dec. 31, 2025				222,645		222,645
Net income			24,821,000			$ 24,821,000
Other comprehensive income (loss)					(18,630,000)	(18,630,000)
Cash dividends declared			(10,995,000)			(10,995,000)
Acquisition of treasury stock				$ (1,000)		(1,000)
Acquisition of treasury stock, shares				16
Compensation expense related to restricted stock		405,000				405,000
Director retainer stock		160,000				160,000
Director retainer stock, shares	5,193
PB Bankshares, Inc Acquisition	$ 166,000	46,396,000		$ (2,296,000)		44,266,000
PB Bankshares, Inc Acquisition, shares	1,662,935			81,201
Stock options exercised		41,000		$ 915,000		$ 956,000
Stock options exercised, shares				(34,021)		(34,021)
Compensation expense related to stock options		222,000				$ 222,000
Ending balance at Sep. 30, 2026	$ 1,118,000	174,650,000	154,956,000	$ (7,390,000)	(39,973,000)	$ 283,361,000
Ending balance, shares at Sep. 30, 2026	11,184,631
Ending balance, shares at Sep. 30, 2026				269,841		269,841
Beginning balance at Jun. 30, 2026	$ 1,118,000	174,337,000	146,685,000	$ (7,957,000)	(24,543,000)	$ 289,640,000
Beginning balance, shares at Jun. 30, 2026	11,183,140
Beginning balance, shares at Jun. 30, 2026				290,841
Net income			11,763,000			11,763,000
Other comprehensive income (loss)					(15,430,000)	(15,430,000)
Cash dividends declared			(3,492,000)			(3,492,000)
Compensation expense related to restricted stock		134,000				134,000
Director retainer stock	$ 1,491	50,000				50,000
Stock options exercised		55,000		$ 567,000		622,000
Stock options exercised, shares				(21,000)
Compensation expense related to stock options		74,000				74,000
Ending balance at Sep. 30, 2026	$ 1,118,000	$ 174,650,000	$ 154,956,000	$ (7,390,000)	$ (39,973,000)	$ 283,361,000
Ending balance, shares at Sep. 30, 2026	11,184,631
Ending balance, shares at Sep. 30, 2026				269,841		269,841

Consolidated Balance Sheets (Parenthetical) - USD ($)	Sep. 30, 2026	Dec. 31, 2025
Consolidated Balance Sheets [Abstract]
Securities available for sale, at fair value, allowance for credit losses	$ 0	$ 0
Loan receivable, allowance for credit losses	$ 25,146,000	$ 19,882,000
Preferred Stock, No Par Value	$ 0	$ 0
Preferred Stock, Shares Authorized	5,000,000	5,000,000
Preferred Stock, Shares Issued	0	0
Common Stock, Par Value Per Share	$ 0.10	$ 0.10
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	11,184,631	9,516,503
Treasury Stock, Shares	269,841	222,645

Securities (Tables)

9 Months Ended

Sep. 30, 2026

Securities [Abstract]

Schedule of Amortized Cost Gross Unrealized Gains and Losses, and Fair Values of Securities



	September 30, 2026
			Gross		Gross			Allowance
	Amortized		Unrealized		Unrealized			for Credit	Fair
	Cost		Gains		Losses			Losses	Value
	(In Thousands)
Available for Sale:
U.S. Treasury securities	$	24,881	$	-	$	(516)	$	-	$	24,365
U.S. Government agencies		8,000		-		(443)		-		7,557
States and political subdivisions		105,916		-		(22,180)		-		83,736
Corporate obligations		23,774		226		(108)		-		23,892
Mortgage-backed securities-
government sponsored entities		318,213		24		(28,295)		-		289,942
Total debt securities	$	480,784	$	250	$	(51,542)	$	-	$	429,492




	December 31, 2025
			Gross		Gross			Allowance
	Amortized		Unrealized		Unrealized			for Credit	Fair
	Cost		Gains		Losses			Losses	Value
	(In Thousands)
Available for Sale:
U.S. Treasury securities	$	20,834	$	32	$	(9)	$	-	$	20,857
U.S. Government agencies		8,000		26		(351)		-		7,675
States and political subdivisions		107,164		1		(14,665)		-		92,500
Corporate obligations		13,545		96		(90)				13,551
Mortgage-backed securities-
government sponsored entities		286,950		2,820		(15,571)		-		274,199
Total debt securities	$	436,493	$	2,975	$	(30,686)	$	-	$	408,782

Summary of Debt Securities Available for Sale in a Loss Position




	September 30, 2026
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. Treasury securities	$	24,365	$	(516)	$	-	$	-	$	24,365	$	(516)
U.S. Government agencies		3,000		-		4,557		(443)		7,557		(443)
States and political subdivisions		3,968		(337)		79,768		(21,843)		83,736		(22,180)
Corporate obligations		8,610		(108)		-		-		8,610		(108)
Mortgage-backed securities-government sponsored entities		193,977		(9,148)		82,477		(19,147)		276,454		(28,295)
	$	233,920	$	(10,109)	$	166,802	$	(41,433)	$	400,722	$	(51,542)



	December 31, 2025
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. Treasury securities	$	14,837	$	(9)	$	-	$	-	$	14,837	$	(9)
U.S. Government agencies		-		-		4,649		(351)		4,649		(351)
States and political subdivisions		-		-		89,462		(14,665)		89,462		(14,665)
Corporate obligations		5,556		(90)		-		-		5,556		(90)
Mortgage-backed securities-government sponsored entities		11,979		(62)		103,744		(15,509)		115,723		(15,571)
	$	32,372	$	(161)	$	197,855	$	(30,525)	$	230,227	$	(30,686)

Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity


	Available for Sale
	Amortized Cost		Fair Value
		(In Thousands)
Due in one year or less	$	9,908	$	9,833
Due after one year through five years		26,775		25,981
Due after five years through ten years		87,874		74,973
Due after ten years		38,014		28,763
		162,571		139,550
Mortgage-backed securities-government sponsored entities		318,213		289,942
	$	480,784	$	429,492

- Definition

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

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+ Details

Accumulated Other Comprehensive Loss (Tables)

9 Months Ended

Sep. 30, 2026

Accumulated Other Comprehensive Loss [Abstract]

Summary of Changes In Accumulated Other Comprehensive Loss




	Unrealized losses on
	available for sale securities
	and pension liability (a)
Balance as of December 31, 2025	$	(21,343)
Other comprehensive loss before reclassification		(18,630)
Total other comprehensive loss		(18,630)
Balance as of September 30, 2026	$	(39,973)


	Unrealized losses on
	available for sale securities
	and pension liability (a)
Balance as of December 31, 2024	$	(33,121)
Other comprehensive income before reclassification		9,413
Total other comprehensive income		9,413
Balance as of September 30, 2025	$	(23,708)


	Unrealized losses on
	available for sale securities
	and pension liability (a)
Balance as of June 30, 2026	$	(24,543)
Other comprehensive loss before reclassification		(15,430)
Total other comprehensive loss		(15,430)
Balance as of September 30, 2026	$	(39,973)


	Unrealized gains (losses) on
	available for sale securities
	and pension liability (a)
Balance as of June 30, 2025	$	(27,505)
Other comprehensive income before reclassification		3,797
Total other comprehensive income		3,797
Balance as of September 30, 2025	$	(23,708)

(a)All amounts are net of tax. Amounts in parentheses indicate debits.

Interest Rate Swaps

9 Months Ended

Sep. 30, 2026

Interest Rate Swaps [Abstract]

Interest Rate Swaps

10.Interest Rate Swaps

The Company enters into interest rate swaps that allow our commercial loan customers to effectively convert a variable-rate commercial loan agreement to a fixed-rate commercial loan agreement. Under these agreements, the Company enters into a variable-rate loan agreement with a customer in addition to an interest rate swap agreement, which serves to effectively swap the customer’s

variable-rate into a fixed-rate. The Company then enters into a corresponding swap agreement with a third party in order to economically hedge its exposure through the customer agreement. The interest rate swaps with both the customers and third parties are not designated as hedges under FASB ASC 815 and are not marked to market through earnings. As the interest rate swaps are structured to offset each other, changes to the underlying benchmark interest rates considered in the valuation of these instruments do not result in an impact to earnings; however, there may be fair value adjustments related to credit quality variations between counterparties, which may impact earnings as required by FASB ASC 820. There was no effect on earnings in any periods presented. At September 30, 2026 and December 31, 2025, based upon the swap contract values, the Company pledged cash in the amount of $350,000 as collateral for its interest rate swaps with a third-party financial institution. The fair value of the swaps as of September 30, 2026 and December 31, 2025 was $959,000 and $771,000, respectively.

Summary information regarding these derivatives is presented below


(Amounts in thousands)
	Notional Amount								Fair Value
		September 30, 2026		December 31, 2025		Interest Rate Paid		Interest Rate Received		September 30, 2026		December 31, 2025
Customer interest rate swap

Maturing November, 2030	$	5,063	$	5,366	Term SOFR + Margin			Fixed	$	587	$	471
Maturing December, 2030		3,254		3,474	Term SOFR + Margin			Fixed		372		300

Total	$	8,317	$	8,840					$	959	$	771


Third party interest rate swap

Maturing November, 2030	$	5,063	$	5,366		Fixed	Term SOFR + Margin		$	587	$	471
Maturing December, 2030		3,254		3,474		Fixed	Term SOFR + Margin			372		300

Total	$	8,317	$	8,840					$	959	$	771

The following table presents the fair values of derivative instruments in the Consolidated Balance Sheet.


	(Amounts in thousands)
	Assets			Liabilities
	Balance Sheet Location		Fair Value	Balance Sheet Location		Fair Value
September 30, 2026
Interest rate derivatives	Other assets	$	959	Other liabilities	$	959

December 31, 2025
Interest rate derivatives	Other assets		771	Other liabilities		771

Off-Balance Sheet Financial Instruments and Guarantees (Tables)

9 Months Ended

Sep. 30, 2026

Off-Balance Sheet Financial Instruments and Guarantees [Abstract]

Schedule of Fair Value, Off-balance Sheet Risks



(in thousands)	September 30,
	2026		2025
Commitments to grant loans	$	89,931	$	84,905
Unfunded commitments under lines of credit		197,904		156,585
Standby letters of credit		16,927		5,835
	$	304,762	$	247,325

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 11,763	$ 8,334	$ 24,821	$ 20,313
Investment securities available for sale:
Unrealized holding (losses) gains	(19,531)	4,806	(23,582)	11,913
Tax effect	4,101	(1,009)	4,952	(2,500)
Other comprehensive (loss) income	(15,430)	3,797	(18,630)	9,413
Comprehensive (Loss) Income	$ (3,667)	$ 12,131	$ 6,191	$ 29,726

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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+ Details

- Definition

Amount after tax and reclassification adjustments of other comprehensive income (loss).

+ References

+ Details

Revenue Recognition (Noninterest Income) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	$ 2,481	$ 2,042	$ 6,860	$ 5,890
Loan servicing fees	47	65	140	153
Gains on sales of loans	58	130	188	242
Earnings on and proceeds from bank-owned life insurance	334	268	974	820
Noninterest Income (out-of-scope of Topic 606)	439	463	1,302	1,215
Total other income	2,920	2,505	8,162	7,105
Service Charges On Deposit Accounts [Member]
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	133	121	427	348
ATM Fees [Member]
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	49	50	131	205
Overdraft Fees [Member]
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	472	399	1,349	1,146
Safe Deposit Box Rental [Member]
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	16	22	70	68
Loan Related Service Fees [Member]
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	277	181	635	462
Debit Card Fees [Member]
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	745	634	2,126	1,777
Fiduciary Activities [Member]
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	265	254	751	805
Commissions On Mutual Funds And Annuities [Member]
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	265	188	547	528
Other Income [Member]
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of Topic 606)	$ 259	$ 193	$ 824	$ 551

Fair Value of Assets and Liabilities (Fair Value, Assets and Liabilities Measured on Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 18,635	$ 7,923
Fair Value, Nonrecurring [Member] \| Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	18,635	7,923
Fair Value, Nonrecurring [Member] \| Impaired Loans [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	18,635	7,923
Fair Value, Nonrecurring [Member] \| Foreclosed Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	771	771
Fair Value, Nonrecurring [Member] \| Foreclosed Real Estate Owned [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 771	$ 771

Acquisition of PB Bankshares, Inc. and Presence Bank

9 Months Ended

Sep. 30, 2026

Acquisition of PB Bankshares, Inc. and Presence Bank [Abstract]

Acquisition of PB Bankshares, Inc. and Presence Bank

13.Acquisition of PB Bankshares, Inc. and Presence Bank

On January 5, 2026, the Company and the Bank completed its previously announced acquisition of PB Bankshares, Inc. ("PB Bankshares") and its subsidiary bank, Presence Bank, pursuant to the terms of the Agreement and Plan of Merger (the "Merger Agreement") dated as of July 7, 2025. Under the terms of the Merger Agreement, PB Bankshares merged with and into the Company, with the Company as the surviving entity (“Merger”), and immediately following the Merger, Presence Bank merged with and into the Bank, with the Bank as the surviving bank.

Presence Bank conducted its business from offices and two loan production offices in Chester, Lancaster and Dauphin Counties, Pennsylvania. Presence Bank’s primary market area for deposits includes the communities in which it maintains banking offices, while its primary lending market area is broader and includes customers in Lebanon and Cumberland Counties in Pennsylvania.

Pursuant to the Merger Agreement, 80% of PB Bankshares’ common stock were converted into Company common stock while the remaining 20% were exchanged for cash. PB Bankshares’ stockholders had the option to elect to receive either 0.7850 shares of

Company common stock or $19.75 in cash for each common share of PB Bankshares they own. The election was subject to proration to ensure that, in the aggregate, 80% of the transaction consideration was paid in the form of Company common stock. In accordance with the Merger Agreement, the Presence Bank ESOP was terminated shortly after the closing date and of the transaction (the “ESOP Termination Date”) and the Company paid off the ESOP loan via the return of common stock issued and recorded as treasury shares.

In addition, per the Merger Agreement, each option to acquire shares of PB Common Stock that was outstanding and unexercised became vested and was converted into the right to receive from Norwood Financial a cash payment equal to the product of (i) the number of shares of PB Bankshares Common Stock subject to the PB Bankshares Stock Option, multiplied by (ii) the amount by which the Cash Consideration (the “Option Payment Amount”) exceeds the exercise price of such PB Bankshares Stock Option. To follow is a summary of the purchase price for the merger which totaled $56.0 million.

The following table summarizes the purchase of PB Bankshares, Inc. as of January 5, 2026:


(Dollars in Thousands, Except Per Share Data)

Purchase Price Consideration - Common Stock (excluding ESOP Loan Settlement)
PB Bankshares, Inc. common shares settled for common stock		2,648,186
PB Bankshares, Inc. common shares to be exchanged for stock consideration - 80% of adjusted shares outstanding		2,118,549
Exchange Ratio		0.7850
Norwood Financial Corp. shares to be issued in the merger and excludes fractional shares		1,662,933
Fair Value price per share of Norwood Financial Corp. common stock	$	28.00
Fair value of Purchase Price Consideration for Common Stock Issued			$	46,562
Shares used to terminate ESOP Loan - recorded as Norwood Treasury Shares
ESOP Loan Balance		2,296
Norwood Financial Corp. closing stock price	$	28.28
Shares of Norwood Financial Corp., Common Stock to pay off ESOP Loan		(81,201)
Impact of ESOP Loan Settlement				(2,296)
Total Fair Value of Purchase Price Consideration for Common Stock				44,266

Fair Value of Purchase Price Cash Consideration
PB Bankshares, Inc. common shares settled for cash		529,637
Purchase price assigned to cash consideration	$	19.75
Cash consideration for Common Stock				10,460

Cash in lieu of fractional shares				4

Purchase Price Consideration in Cash for PB Bankshares, Inc.'s Outstanding Stock Options
PB Bankshares, Inc. stock options outstanding		169,144
Cash price to pay out options	$	19.75
Weighted average strike price for options	$	12.28
In-the-money value for PB Bankshares, Inc. stock	$	7.47
Purchase price assigned to PB Bankshares, Inc. stock				1,264
Total Purchase Price Assigned to Cash Consideration				11,728
Total Purchase Price for Accounting Purposes				55,994

Pursuant to accounting standards, the Company assigned a fair value to the assets acquired and liabilities assumed of PB Bankshares. ASC 820 defines fair value as “the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.” The assets acquired and liabilities assumed in the acquisition of PB Bankshares were recorded at their estimated fair values based on management’s best estimates using information available at the date of the acquisition and are subject to adjustment for up to one year after the closing date of the acquisition. While the fair values are not expected to be materially different from the estimates, any material adjustments to the estimates will be reflected, retroactively, as of the date of the acquisition. The items most susceptible to adjustment are the fair value adjustments on loans, core deposit intangible and

the deferred income tax assets resulting from the acquisition. The Company is continuing to finalize the fair values of all aspects of the acquisition.

Goodwill represents consideration transferred in excess of the fair value of the net assets acquired. The goodwill resulting from the acquisition represents the value expected from the expansion of the Company's market and enhancement of operations and efficiencies. Goodwill acquired in the acquisition is not deductible for tax purposes.

The following tables provides a summary of the consideration transferred and the fair value of the assets acquired, and liabilities assumed as of the date of the Merger, and as a result of the Merger, the Company recorded goodwill totaling $7.1 million at January 5, 2026.


(Dollars in Thousands)

Total Purchase Price For Accounting Purposes			$	55,994

Recognized amounts of identifiable assets acquired and liabilities assumed, at fair value
Cash and cash equivalents	$	40,979
Federal funds		27,769
Securities, available for sale		18,787
Loans Gross		346,569
Allowance for credit losses		(4,264)
Loans, net of allowance		342,305
Bank owned life insurance		8,676
Premises		1,828
Furniture, fixtures and equipment		554
Accrued interest receivable		1,480
Restricted investment in bank stock		2,009
Deferred tax asset		3,337
Core deposit intangible		3,386
Operating lease right of use asset		1,246
Other asset		3,747
Total identifiable assets acquired at fair value		456,103

Deposits		356,596
Borrowings		41,644
Accrued interest payable		972
Operating lease liability		1,240
Reserve for unfunded commitments		115
Other liabilities		6,650
Total liabilities assumed		407,217
Total identifiable net assets, at fair value				48,886
Goodwill			$	7,109

Investment securities available-for-sale

All acquired investments were classified as available for sale. The estimated fair value of available for sale securities we calculated using Level 2 inputs, The securities acquired are bought and sold in active markets.

Loans

The acquired loan portfolio was valued utilizing Level 3 inputs and included the use of a discounted cash flow methodology applied on a pooled basis for accruing loan and on individual basis for non-accruing loans and incorporated assumption that a market participant

would employ. In the fair value process the Company developed assumptions as to credit risk, expected lifetime losses, qualitative credit factors, collateral values, discount rates, expected payments and expected prepayments.

Acquired loans are classified into two categories: Purchased Seasoned Loans (PSLs) and Purchased Credit Deteriorated loans (PCDs). PCD loans are defined as a loan or group of loans that have experienced more than insignificant credit deterioration since origination, and the remaining loans were considered PSLs. Effective January 1, 2026, the Company early adopted ASU 2025-08 (Topic 326) on a prospective basis. In accordance with ASU 2025-08 an allowance for credit loss was determined using the same methodology as other loans held for investment and an initial allowance for credit losses for all acquired loans totaled $4.3 million. There was no provision for credit losses expense recognized because the initial allowance is established by grossing-up the amortized cost of the acquired loans. The remaining difference between the net of the amortized cost basis and the allowance for credit losses and the fair value allocated to the loans on the date of acquisition is recognized as a non-credit-related discount that will be accreted into interest income of the life of the loans.

At the date of the Merger, 91.4 % of the acquired loans from Presence Bank were PSL loans and 8.6% were PCD loans. The following table provides details related to the fair value of PCD loans.


		PCD Accruing		PCD Non-Accruing		Total PCD Loans
		1/5/2026		1/5/2026		1/5/2026
Par Value of acquired PCD Loans	$	29,246	$	1,415	$	30,661
Allowance for credit losses at acquisition		411		-		411
Non-Credit discount (premium) at acquisition		(1,247)		(1,047)		(2,294)
Purchase price PCD Loans	$	28,410	$	368	$	28,778

Leased Facilities

The fair value adjustment for leased facilities contracts was based on a discounted cash flow methodology of the contract lease obligations versus observed comparable market rents and discounted based upon interest rates for similar term borrowings rates. The facilities fair value adjustment will be amortized into expense over the contractual life of the leased facility.

Premises

The fair value estimate is based upon appraised values. The owned facilities fair value adjustment will be amortized into expense over the estimated life of the owned facility.

Core Deposit Intangible

The fair value of the core deposit intangible was determined based on a discounted cash flow analysis using a discount rate commensurate with market participants. To calculate cash flows, deposit account servicing costs (net of deposit fee income) and interest expense on deposits were compared to the higher cost of alternative funding sources available through national brokered CD offering rates and FHLB advance rates. The projected cash flows were developed using expected deposit attrition. The core deposit intangible will be amortized over ten years using the sum-of-years digits method.

Time Deposits

The fair value adjustment for time deposits was based on a discounted cash flow methodology of the contract rates and contractual repayments of fixed maturity deposits using prevailing market interest rates for similar-term time deposits. The time deposit fair value adjustment will be amortized into income on a level yield amortization method over the contractual life of the deposits.

Borrowings

The fair value adjustment for borrowings was based on a discounted cash flow methodology of the contract rates and contractual repayments of borrowings using prevailing market interest rates for similar-term borrowings. The borrowings fair value adjustment will be amortized into income on a level yield amortization method over the contractual life of the borrowings.

- Definition

The entire disclosure for business combination.

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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
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+ Details