PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 1.35%, up 33 bps year over year; NIM at 3.68%.
  • 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 (quarter, annualized)

1.35%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+21 bps YoY

Efficiency Ratio (quarter, annualized)

54.63%-805 bps YoY

Tier 1 Leverage Ratio

9.84%+13 bps YoY

NIM

4.68%Q2 ’244.72%Q2 ’254.86%Q2 ’26+8%+6%

Non-interest income vs. expense

2.61%Q2 ’242.64%Q2 ’252.42%Q2 ’26+2%-9%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.00%1.30%1.02%0.21%1.20%1.30%1.35%+33 bps
Return on Equity9.45%9.07%11.66%9.01%1.83%10.28%11.11%11.60%+259 bps
Net Interest Margin3.39%3.47%3.72%3.47%3.60%3.66%3.60%3.68%+21 bps
Efficiency Ratio63.74%60.59%56.49%62.68%75.20%60.09%56.17%54.63%-805 bps
Non-Interest Burden1.86%1.64%1.74%1.84%2.49%1.85%1.70%1.67%-17 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 / Loans0.18%0.87%0.08%0.18%0.28%0.40%0.16%0.15%-3 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