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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 1.32%, 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