Norwood Financial Corp is a bank holding company that operates Wayne Bank, a state-chartered community bank serving retail, commercial, and municipal customers in Northeastern Pennsylvania and upstate New York. The bank generates revenue primarily through net interest income from a diversified lending portfolio including residential and commercial real estate mortgages, commercial loans, consumer financing (including indirect auto loans), and agricultural lending, complemented by deposit products such as transaction accounts, savings accounts, money market accounts, and certificates of deposit. The bank also provides trust services, fiduciary management, and ancillary banking services including cash management, remote deposit capture, mobile banking, and safe deposit boxes, with fees from deposits, trust activities, and other services representing a secondary revenue stream.