XML 59 R49.htm IDEA: XBRL DOCUMENT
v3.25.3

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, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |
Beginning balance, | $ 20,908,000 | $ 17,806,000 | $ 19,843,000 | $ 18,968,000
Charge Offs | (649,000) | (358,000) | (1,529,000) | (1,382,000)
Recoveries | 44,000 | 35,000 | 225,000 | 225,000
(Release of) Provision for credit losses | (392,000) | 1,216,000 | 1,372,000 | 888,000
Ending balance, | 19,911,000 | 18,699,000 | 19,911,000 | 18,699,000
Ending balance individually evaluated for impairment | 689,000 | 239,000 | 689,000 | 239,000
Ending balance collectively evaluated for impairment | 19,222,000 | 18,460,000 | 19,222,000 | 18,460,000
Residential Real Estate Loans [Member] |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |
Beginning balance, | 1,011,000 | 1,131,000 | 1,146,000 | 1,351,000
Charge Offs | (63,000) |  | (63,000) |
Recoveries | 3,000 |  | 3,000 | 42,000
(Release of) Provision for credit losses | 166,000 | (82,000) | 31,000 | (344,000)
Ending balance, | 1,117,000 | 1,049,000 | 1,117,000 | 1,049,000
Ending balance collectively evaluated for impairment | 1,117,000 | 1,049,000 | 1,117,000 | 1,049,000
Commercial Real Estate Loans [Member] |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |
Beginning balance, | 11,039,000 | 9,552,000 | 11,406,000 | 11,871,000
Charge Offs | (13,000) |  | (62,000) |
Recoveries | 8,000 | 2,000 | 8,000 | 106,000
(Release of) Provision for credit losses | (1,634,000) | 912,000 | (1,952,000) | (1,511,000)
Ending balance, | 9,400,000 | 10,466,000 | 9,400,000 | 10,466,000
Ending balance individually evaluated for impairment | 294,000 | 4,000 | 294,000 | 4,000
Ending balance collectively evaluated for impairment | 9,106,000 | 10,462,000 | 9,106,000 | 10,462,000
Agricultural Real Estate Loans [Member] |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |
Beginning balance, | 39,000 | 41,000 | 48,000 | 58,000
(Release of) Provision for credit losses | (16,000) | (15,000) | (25,000) | (32,000)
Ending balance, | 23,000 | 26,000 | 23,000 | 26,000
Ending balance collectively evaluated for impairment | 23,000 | 26,000 | 23,000 | 26,000
Construction Real Estate Loans [Member] |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |
Beginning balance, | 1,163,000 | 840,000 | 884,000 | 933,000
(Release of) Provision for credit losses | 153,000 | 16,000 | 432,000 | (77,000)
Ending balance, | 1,316,000 | 856,000 | 1,316,000 | 856,000
Ending balance collectively evaluated for impairment | 1,316,000 | 856,000 | 1,316,000 | 856,000
Commercial Loans [Member] |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |
Beginning balance, | 1,933,000 | 2,035,000 | 1,732,000 | 1,207,000
Charge Offs | (83,000) |  | (83,000) | (85,000)
Recoveries | 3,000 |  | 99,000 |
(Release of) Provision for credit losses | 234,000 | (141,000) | 339,000 | 772,000
Ending balance, | 2,087,000 | 1,894,000 | 2,087,000 | 1,894,000
Ending balance collectively evaluated for impairment | 2,087,000 | 1,894,000 | 2,087,000 | 1,894,000
Other Agricultural [Member] |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |
Beginning balance, | 164,000 | 130,000 | 162,000 | 94,000
Charge Offs |  |  | (48,000) |
(Release of) Provision for credit losses | 14,000 | 2,000 | 64,000 | 38,000
Ending balance, | 178,000 | 132,000 | 178,000 | 132,000
Ending balance collectively evaluated for impairment | 178,000 | 132,000 | 178,000 | 132,000
Consumer Loans [Member] |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |
Beginning balance, | 5,559,000 | 4,077,000 | 4,465,000 | 3,454,000
Charge Offs | (490,000) | (358,000) | (1,273,000) | (1,297,000)
Recoveries | 30,000 | 33,000 | 115,000 | 77,000
(Release of) Provision for credit losses | 691,000 | 524,000 | 2,483,000 | 2,042,000
Ending balance, | 5,790,000 | 4,276,000 | 5,790,000 | 4,276,000
Ending balance individually evaluated for impairment | 395,000 | 235,000 | 395,000 | 235,000
Ending balance collectively evaluated for impairment | $ 5,395,000 | $ 4,041,000 | $ 5,395,000 | $ 4,041,000

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of allowance for credit loss on financing receivable evaluated on collective basis. Excludes financing receivable evaluated on individual basis. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (g) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 30 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479391/326-20-30-2 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of allowance for credit loss on financing receivable evaluated on individual basis. Excludes financing receivable evaluated on collective basis. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.5.a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (g) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 30 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479391/326-20-30-2 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- 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 -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph c -Publisher SEC Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of credit loss expense (reversal of expense) for financing receivable. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04(11)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1 + Details
Name: | us-gaap_ProvisionForLoanLossesExpensed
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=nwfl_AgriculturalRealEstateLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConstructionLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=nwfl_OtherAgriculturalMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |