In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
No
0 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
None
What it says
Nothing
Kinds of AI named
None named
How AI is controlled
Not described
AI in its annual reports over time
What this shows
How many passages about AI each annual report contains, 2022 to 2025, by what they say.
What it means
0 passages in 2022, 0 passages in 2025.
How to read it
Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Passages about AI in Norwood Financial Corp's annual reports, by report year.Show as a table
Report year
Using or planning AI
Explains how AI is controlled
Sees AI as a risk
Other mentions
2022
2022
2022
2022
2023
2023
2023
2023
2024
2024
2024
2024
2025
2025
2025
2025
Compared with banks of its size
What this shows
This bank's 2025 annual report next to all 221 banks of its size ($1B to $50B).
What it means
This bank does not give detail about AI.
How to read it
Yes or no for this bank; the share of banks of the same size for comparison.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
In the 2025 report
This bank
Banks of its size
Using AI now
No
26 of 221 (12%)
Explains how AI is controlled
No
55 of 221 (25%)
Sees AI as a risk
No
184 of 221 (83%)
Mentions generative AI
No
112 of 221 (51%)
Mentions AI agents
No
18 of 221 (8%)
What changed from 2024
0 passages new in the 2025 report, 0 passages from the 2024 report no longer there.
Every passage about AI
What this shows
All 1 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
What it means
0 passages say the bank is using AI now.
How to read it
Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
Where it comes from
Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Investor presentation, Q3 2026 filed 27 Jul 2026
Making progress on our 2026 strategic priorities Focused on actions that will create value and build momentum Successfully complete Presence Bank integration • Completed key integration activity, including core system conversion and brand convergence • Ongoing dialogue to share best practices as we continue to standardize on operations and customer engagement Increase operating efficiency and elevate the customer experience through AI • Implemented PB commercial system to drive efficiency, manage risk, and empower employees to do more • Utilize AI embedded in PB processes across the organization as part of integration • Creating 3-year plan to assess AI implementation and pursue highest value opportunities Strengthen our talent pool and deepen our leadership bench • Invest in our people to empower them to serve our communities • Cascade strategic priorities throughout organization • Steve Daniels, Executive Vice President and former Chief Consumer Banking Officer, has assumed role of Chief Lending Officer, assuming role previously held by Vinny O’Bell who is retiring in October 2026 • Promoted Deb Kennedy to Director of Retail Banking Increase shareholder value • Delivered strong Q2 results on strong financial position and performance of our entire team • Grew asset base through increasing deposits, investment decisions, and strategic M&A • Enhance shareholder returns through a reliable and growing dividend NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q2 2026 INVESTOR PRESENTATION 22
Testing or planning AIDetail: Names an areaOperationsCustomer serviceEmployee productivityNew this periodNew since the annual report
3 passages in legal noticesThe forward-looking statements notice at the start or end of a filing. It often lists AI among many risks. It is never counted., not counted
Making progress on our 2026 strategic priorities Focused on actions that will create value and build momentum Successfully complete Presence Bank integration • Completed key integration activity, including core system conversion and brand convergence • Ongoing dialogue to share best practices as we continue to standardize on operations and customer engagement Increase operating efficiency and elevate the customer experience through AI • Implemented PB commercial system to drive efficiency, manage risk, and empower employees to do more • Utilize AI embedded in PB processes across the organization as part of integration • Assess AI implementation and pursue highest value opportunities Strengthen our talent pool and deepen our leadership bench • Invest in our people to empower them to serve our communities • Cascade strategic priorities throughout organization • Steve Daniels, Executive Vice President and former Chief Consumer Banking Officer, has assumed role or Chief Lending Officer, assuming role previously held by Vinny O’Bell who is retiring in October 2026 Increase shareholder value • Delivered strong Q2 results on strong financial position and performance of our entire team • Grew asset base through increasing deposits, investment decisions, and strategic M&A • Enhance shareholder returns through a reliable and growing dividend NORWOOD FINANCIAL CORP NASDAQ GLOBAL: NWFL Q2 2026 INVESTOR PRESENTATION 4
Making Progress on Our 2026 Strategic Priorities 2 65 86 246 Focused on Actions that will Create Value and Build Momentum 198 47 • Completed core system conversion to integrate IT and HR systems, creating a seamless, 237 unified organization Successfully complete 155 33 • Standardize on operations and customer engagement Presence Bank integration 66 • Implement sharing of best practices 145 185 • Implemented PB commercial system to drive efficiency, manage risk, and empower Increase operating efficiency 147 employees to do more 97 and elevate the customer 81 • Utilize AI embedded in PB processes across the organization as part of integration experience through AI 209 • Assess AI implementation and pursue highest value opportunities 218 221 • Invest in our people to empower them to serve our communities 241 Strengthen our talent • Cascade strategic priorities throughout organization 231 217 pool and deepen our • Strengthened executive leadership team by adding Janak Amin, Chief Operating Officer; leadership bench Larry Witt, Chief Information Officer; and Doug Byers, Market Executive and Head of 245 156 Treasury Management 170 40 • Delivered strong Q1 results on strong financial position and performance of our entire team 171 117 • Grow asset base through increasing deposits, investment decisions, and strategic M&A Increase shareholder value 229 • Enhance shareholder returns through a reliable and growing dividend 87 96 149 92 N O R W O O D F I N A N C I A L C O R P 148 N A S D A Q G L O B A L : N W F L Additional Colors
2026 Strategic Priorities Focused on Actions that will Create Value and Build Momentum Integrate IT and HR systems to create seamless, unified organization Successfully complete Standardize on operations and customer engagement Presence Bank integration Implement sharing of best practices Implement commercial system from PB to drive efficiency and manage risk, empowering Increase operating efficiency employees to do more and elevate the customer Utilize AI embedded in PB processes across the organization as part of integration experience through AI Assess AI implementation and pursue highest value opportunities Invest in our people to empower them to serve our communities Cascade strategic priorities throughout organization Strengthen our talent pool and Janak M. Amin joins as EVP and Chief Operating Officer; Larry Witt as Chief Information deepen our leadership bench Officer; Douglas Byers, Head of Treasury Management; Joseph W. Carroll and Spencer J. Andress join NWFL Board of Directors Maintain strong financial position Grow asset base through increasing deposits and investment decisions and continued Increase shareholder value strategic M&A Enhance shareholder returns through a reliable and growing dividend 7