Norwood Financial (NWFL) - 2025 Q4 - Earnings Call Transcript

Norwood Financial (NasdaqGM:NWFL) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsJohn McCaffery - EVP and CFOKristen Lancia - VP and Marketing ManagerJames F. Donnelly - President and CEOKristen LanciaThank you, Michelle. Good morning, everyone. Welcome to our Q4 2025 earnings conference call. With me today are Jim Donnelly, CEO, and John McCaffery, CFO. The press release we issued earlier this morning, together with the presentation material that accompanies our remarks, is availabl ...