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Northwest Bank

Warren, PA · Cert 28178 · Northwest Bancshares Inc.

SI · FDIC · 161 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northwest Bank

Warren, PA · Cert 28178 · Northwest Bancshares Inc.

SI · FDIC · 161 branches

Q2 2026

$17.2BAssets
$13.2BLoans
$14.4BDeposits
$2.0BEquity
Loan mix
59%RE $7.7B20%C&I $2.6B20%Consumer $2.7BQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $11.1B23%Noninterest $3.3BQ3 2024Q2 2026

Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 4.0% share · #5 of 20 inst. · $2.7B of $67.0B

89.1% Warren
3.1% Erie
16.5% Erie
10.9% Lorain

Executive Summary

  • Earnings: ROA of 1.32%, up 17 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.69% of loans (-21 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 9.84%, up 13 bps from a year ago.
  • Funding: loans stand at 92.07% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.32%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+5 bps YoY

Efficiency Ratio (YTD, annualized)

55.39%-414 bps YoY

Tier 1 Leverage Ratio

9.84%+13 bps YoY

NIM

4.60%Q2 ’244.84%Q2 ’254.82%Q2 ’26+13%+1%

Non-interest income vs. expense

2.58%Q2 ’242.56%Q2 ’252.42%Q2 ’26-2%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.79%1.30%1.16%0.82%0.92%1.30%1.32%+17 bps
Return on Equity6.74%7.34%11.66%10.34%7.25%8.11%11.11%11.35%+102 bps
Net Interest Margin3.28%3.33%3.72%3.59%3.38%3.37%3.60%3.63%+5 bps
Efficiency Ratio65.32%64.03%56.49%59.53%65.08%63.71%56.17%55.39%-414 bps
Non-Interest Burden1.84%1.80%1.74%1.78%1.91%1.85%1.70%1.68%-10 bps
Growth
Asset Growth (YoY)-0.04%-0.07%-0.59%0.47%13.72%15.96%16.83%18.71%+1,825 bps
Loan Growth (YoY)-0.05%-1.38%-1.85%-0.02%14.65%15.73%15.79%16.64%+1,666 bps
Deposit Growth (YoY)1.98%0.92%0.65%0.75%12.68%13.76%15.41%15.04%+1,429 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.69%0.53%0.91%1.00%0.83%0.70%0.69%-21 bps
Net Charge-Offs / Loans0.14%0.32%0.08%0.13%0.17%0.23%0.16%0.15%+2 bps
Allowance / Loans1.11%1.04%1.09%1.14%1.21%1.15%1.15%1.13%-1 bps
Allowance Coverage of NPLs1.6x1.5x2.1x1.3x1.2x1.4x1.6x1.6x+0.4x
Capital
Tier 1 Leverage Ratio9.37%9.50%9.65%9.71%9.76%9.77%9.71%9.84%+13 bps
Total Risk-Based Capital13.74%13.81%14.23%14.15%13.83%14.01%14.19%14.04%-11 bps
Equity / Assets10.99%11.00%11.24%11.34%11.56%11.70%11.68%11.60%+26 bps
Liquidity & Funding
Loans / Deposits91.44%90.43%90.27%90.80%93.04%92.00%90.57%92.07%+127 bps
Liquid Assets / Assets6.30%6.73%6.90%6.10%5.44%4.85%5.03%4.59%-152 bps
CRE / Total Capitaln/an/an/an/a198.20%180.92%170.99%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northwest Bank

Warren, PA · Cert 28178 · Peer group: banks over $10B in assets (n=142-144) · Northwest Bancshares Inc.

SI · FDIC · 161 branches

Q2 2026

$17.2BAssets
$13.2BLoans
$14.4BDeposits
$2.0BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 72% of banks over $10B in assets (rank 41 of 144).
  • Widest gap: tier 1 capital ratio trails 54% of banks over $10B in assets (rank 78 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.31%

Rank 65 of 144

Net Interest Margin

3.63%

Rank 41 of 144

Efficiency Ratio

56.58%

Rank 78 of 144

Equity / Assets

11.60%

Rank 65 of 144

Non-interest income vs. expense

$125.5M$411.6MINCOMEEXPENSE
Unfavorable gap of $286.1M · efficiency ratio beats 47% of banks over $10B in assets
Bank 56.58%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.31%1.00%1.26%1.54%Beats 55%65 / 144
Return on Equity11.25%8.98%11.34%14.40%Beats 49%74 / 144
Net Interest Margin3.63%2.82%3.31%3.68%Beats 72%41 / 144
Efficiency Ratio56.58%49.42%56.02%62.41%Beats 47%78 / 144
Asset Quality
Nonperforming Loans / Loans0.69%0.48%0.73%1.07%Beats 54%67 / 142
Net Charge-Offs / Loans0.11%0.05%0.11%0.22%Beats 54%67 / 142
Capital
Tier 1 Capital Ratio12.79%12.07%12.98%14.92%Beats 46%78 / 144
Total Risk-Based Capital Ratio14.04%13.39%14.14%16.25%Beats 47%76 / 144
Equity / Assets11.60%9.69%11.39%12.96%Beats 55%65 / 144
Liquidity & Funding
Loans / Deposits92.07%75.72%84.92%91.56%77th pctl33 / 143
Loans / Assets76.98%59.83%69.07%74.80%79th pctl30 / 144
Brokered Deposits / Depositsn/aNot reported for this institution