Warren, PA · Cert 28178 · Northwest Bancshares Inc.
SI · FDIC · 161 branches
Q2 2026
Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 4.0% share · #5 of 20 inst. · $2.7B of $67.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.82% | 0.92% | 1.30% | 1.32% | +17 bps | |
| Return on Equity | 10.34% | 7.25% | 8.11% | 11.11% | 11.35% | +102 bps | |
| Net Interest Margin | 3.59% | 3.38% | 3.37% | 3.60% | 3.63% | +5 bps | |
| Efficiency Ratio | 59.53% | 65.08% | 63.71% | 56.17% | 55.39% | -414 bps | |
| Non-Interest Burden | 1.78% | 1.91% | 1.85% | 1.70% | 1.68% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.47% | 13.72% | 15.96% | 16.83% | 18.71% | +1,825 bps | |
| Loan Growth (YoY) | -0.02% | 14.65% | 15.73% | 15.79% | 16.64% | +1,666 bps | |
| Deposit Growth (YoY) | 0.75% | 12.68% | 13.76% | 15.41% | 15.04% | +1,429 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.91% | 1.00% | 0.83% | 0.70% | 0.69% | -21 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.17% | 0.23% | 0.16% | 0.15% | +2 bps | |
| Allowance / Loans | 1.14% | 1.21% | 1.15% | 1.15% | 1.13% | -1 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.4x | 1.6x | 1.6x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.71% | 9.76% | 9.77% | 9.71% | 9.84% | +13 bps | |
| Total Risk-Based Capital | 14.15% | 13.83% | 14.01% | 14.19% | 14.04% | -11 bps | |
| Equity / Assets | 11.34% | 11.56% | 11.70% | 11.68% | 11.60% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.80% | 93.04% | 92.00% | 90.57% | 92.07% | +127 bps | |
| Liquid Assets / Assets | 6.10% | 5.44% | 4.85% | 5.03% | 4.59% | -152 bps | |
| CRE / Total Capital | n/a | 198.20% | 180.92% | 170.99% | n/a | n/a | |