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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the quarterly period ended June 30, 2025

☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the transition period from to

Commission File Number 001-34582

NORTHWEST BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

Maryland

27-0950358

(State or other jurisdiction of incorporation or organization)

(I.R.S. Employer Identification No.)

3 Easton Oval

Suite 500

Columbus

Ohio

43219

(Address of Principal Executive Offices)

(Zip Code)

(814) 726-2140

(Registrant’s telephone number, including area code)

Not applicable

(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common Stock, $0.01 Par Value

NWBI

The Nasdaq Stock Market, LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

☒ Large accelerated filer ☐ Accelerated filer

☐ Non-accelerated filer ☐ Smaller reporting company

☐ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes ☐ No ☒

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date:

Common Stock ($0.01 par value), 146,211,701 shares outstanding as of July 31, 2025.

Table of Contents

NORTHWEST BANCSHARES, INC.

Table of Contents

PART I

FINANCIAL INFORMATION

Item 1.

Financial Statements

Consolidated Statements of Financial Condition at June 3 0 , 2025 and December 31, 2024 (Unaudited)

Consolidated Statements of Income for the quarter and six months ended June 3 0 , 2025 and 2024 (Unaudited)

Consolidated Statements of Comprehensive Income for the quarter and six months ended June 3 0 , 2025 and 2024 (Unaudited)

Consolidated Statements of Changes in Shareholders’ Equity for the quarter and six months ended June 3 0 , 2025 and 2024 (Unaudited)

Consolidated Statements of Cash Flows for the six months ended June 3 0 , 2025 and 2024 (Unaudited)

Notes to Consolidated Financial Statements (Unaudited)

Item 2.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

Item 3.

Quantitative and Qualitative Disclosures about Market Risk

Item 4.

Controls and Procedures

Unregistered Sales of Equity Securities and Use of Proceeds

Item 3.

Defaults Upon Senior Securities

Item 4.

Mine Safety Disclosures

Item 1. FINANCIAL STATEMENTS

NORTHWEST BANCSHARES, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited)

(in thousands, except share data)


	June 30, 2025		December 31, 2024
Assets
Cash and cash equivalents	$	267,075	288,378


Marketable securities available-for-sale (amortized cost of $1,341,651 and $1,278,665, respectively)	1,194,883		1,108,944
Marketable securities held-to-maturity (fair value of $628,936 and $637,948, respectively)	719,561		750,586
Total cash and cash equivalents and marketable securities	2,181,519		2,147,908


Loans held-for-sale	13,104		76,331








Loans held for investment	11,341,824		11,180,014

Allowance for credit losses	(129,159)		(116,819)
Loans receivable, net	11,212,665		11,063,195


FHLB stock, at cost	17,809		21,006
Accrued interest receivable	46,987		46,356
Real estate owned, net	48		35
Premises and equipment, net	123,402		124,246
Bank-owned life insurance	255,708		253,137
Goodwill	380,997		380,997
Other intangible assets, net	1,897		2,837
Other assets	250,971		292,176
Total assets	$	14,485,107	14,408,224

Liabilities and shareholders’ equity
Liabilities:
Noninterest-bearing demand deposits	$	2,643,099	2,621,415
Interest-bearing demand deposits	2,622,695		2,666,504
Money market deposit accounts	2,153,078		2,007,739
Savings deposits	2,211,509		2,171,251
Time deposits	2,570,648		2,677,645
Total deposits	12,201,029		12,144,554


Borrowed funds	198,008		200,331
Subordinated debt	114,713		114,538
Junior subordinated debentures	129,964		129,834
Advances by borrowers for taxes and insurance	47,865		42,042
Accrued interest payable	7,729		6,935
Other liabilities	143,731		173,134
Total liabilities	12,843,039		12,811,368

Shareholders’ equity:
Preferred stock, $0.01 par value: 50,000,000 authorized, no shares issued	—		—
Common stock, $0.01 par value: 500,000,000 shares authorized, 127,842,403 and 127,508,003 shares issued and outstanding, respectively	1,278		1,275
Additional paid-in capital	1,037,615		1,033,385
Retained earnings	699,049		673,110

Accumulated other comprehensive loss	(95,874)		(110,914)
Total shareholders’ equity	1,642,068		1,596,856
Total liabilities and shareholders’ equity	$	14,485,107	14,408,224

See accompanying notes to unaudited Consolidated Financial Statements.

Table of Contents

NORTHWEST BANCSHARES, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

(in thousands, except share data)


	Quarter ended June 30,			Six months ended June 30,
	2025		2024	2025	2024
Interest income:
Loans receivable	$	154,914	153,954	319,552	303,525
Mortgage-backed securities	12,154		9,426	23,884	17,370
Taxable investment securities	999		728	1,932	1,522
Tax-free investment securities	512		457	1,024	948
FHLB stock dividends	318		498	684	1,105
Interest-earning deposits	2,673		1,791	5,089	2,623
Total interest income	171,570		166,854	352,165	327,093
Interest expense:
Deposits	46,826		52,754	94,151	100,440
Borrowed funds	5,300		7,259	10,752	16,574
Total interest expense	52,126		60,013	104,903	117,014
Net interest income	119,444		106,841	247,262	210,079
Provision for credit losses - loans	11,456		2,169	19,712	6,403
Provision/(benefit) for credit losses - unfunded commitments	(2,712)		(2,539)	(3,057)	(3,338)
Net interest income after provision for credit losses	110,700		107,211	230,607	207,014
Noninterest income:
Loss on sale of investments	—		(39,413)	—	(39,413)

Gain on sale of SBA loans	819		1,457	2,057	2,330

Service charges and fees	15,797		15,527	30,784	31,050


Trust and other financial services income	7,948		7,566	15,858	14,693

Gain on real estate owned, net	258		487	342	544
Income from bank-owned life insurance	1,421		1,371	2,752	2,873
Mortgage banking income	1,075		901	1,771	1,353
Other operating income	3,620		3,255	5,729	5,684
Total noninterest income	30,938		(8,849)	59,293	19,114
Noninterest expense:
Compensation and employee benefits	55,213		53,531	109,753	105,071
Premises and occupancy costs	7,122		7,464	15,522	15,091
Office operations	2,910		3,819	5,887	6,586
Collections expense	838		406	1,166	742
Processing expenses	12,973		14,695	26,963	29,420
Marketing expenses	3,018		2,410	4,898	4,559
Federal deposit insurance premiums	2,296		2,865	4,624	5,888
Professional services	3,990		3,728	6,746	7,793
Amortization of intangible assets	436		635	940	1,336

Merger, asset disposition and restructuring expense	6,244		1,915	7,367	2,870

Other expenses	2,500		952	5,411	3,088
Total noninterest expense	97,540		92,420	189,277	182,444
Income before income taxes	44,098		5,942	100,623	43,684
Federal and state income taxes expense	10,423		1,195	23,490	9,774
Net income	$	33,675	4,747	77,133	33,910
Basic earnings per share	$	0.26	0.04	0.60	0.27
Diluted earnings per share	$	0.26	0.04	0.60	0.27

See accompanying notes to unaudited Consolidated Financial Statements.

Table of Contents

NORTHWEST BANCSHARES, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)

(in thousands)


	Quarter ended June 30,			Six months ended June 30,
	2025		2024	2025	2024
Net income	$	33,675	4,747	77,133	33,910
Other comprehensive income net of tax:
Net unrealized holding gains/(losses) on marketable securities:
Unrealized holding gains/(losses), net of tax of ($1,180), $168, ($5,663), and $1,926, respectively	3,425		(3,391)	17,288	(9,089)
Reclassification adjustment for losses included in net income, net of tax of $0, ($7,706), $0, and ($7,706) respectively	1		26,789	1	26,789
Net unrealized holding gains/(losses) on marketable securities	3,426		23,398	17,289	17,700

Change in fair value of interest rate swaps, net of tax of $246, ($96), $624, and ($726), respectively	(650)		330	(1,911)	2,484


Defined benefit plan:
Actuarial reclassification adjustments for prior period service costs and actuarial gains included in net income, net of tax of $64, $147, $128, and $294, respectively	(169)		(388)	(338)	(776)



Other comprehensive income	2,607		23,340	15,040	19,408

Total comprehensive income	$	36,282	28,087	92,173	53,318

See accompanying notes to unaudited Consolidated Financial Statements.

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NORTHWEST BANCSHARES, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (Unaudited)

(in thousands, expect share data)


				Additional paid-in capital	Retained earnings	Accumulated other comprehensive income/(loss)	Total shareholders’ equity
	Common stock
Quarter ended June 30, 2025	Shares	Amount
Beginning balance at March 31, 2025	127,736,303	$	1,277	1,035,093	691,066	(98,481)	1,628,955

Comprehensive income:
Net income	—	—		—	33,675	—	33,675

Other comprehensive income, net of tax of ($870)	—	—		—	—	2,607	2,607

Total comprehensive income	—	—		—	33,675	2,607	36,282



Exercise of stock options	62,157	—		555	—	—	555

Stock-based compensation expense	65,654	1		1,967	—	—	1,968



Common shares returned (1)	(21,711)	—		—	—	—	—

Dividends paid ($0.20 per share)	—	—		—	(25,692)	—	(25,692)

Ending balance at June 30, 2025	127,842,403	$	1,278	1,037,615	699,049	(95,874)	1,642,068

(1) includes shares withheld for taxes and forfeitures


				Additional paid-in capital	Retained earnings	Accumulated other comprehensive loss	Total shareholders’ equity
	Common stock
Quarter ended June 30, 2024	Shares	Amount
Beginning balance at March 31, 2024	127,253,189	$	1,273	1,026,173	678,427	(153,424)	1,552,449

Comprehensive income:
Net income	—	—		—	4,747	—	4,747

Other comprehensive loss, net of tax of ($7,487)	—	—		—	—	23,340	23,340

Total comprehensive income	—	—		—	4,747	23,340	28,087



Exercise of stock options	6,382	—		61	—	—	61

Stock-based compensation expense	57,892	—		1,469	—	—	1,469

Stock-based compensation forfeited	(9,466)	—		—	—	—	—



Dividends paid ($0.20 per share)	—	—		—	(25,468)	—	(25,468)

Ending balance at June 30, 2024	127,307,997	$	1,273	1,027,703	657,706	(130,084)	1,556,598

See accompanying notes to unaudited Consolidated Financial Statements.

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NORTHWEST BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (Unaudited)

(in thousands, expect share data)


				Additional paid-in capital	Retained earnings	Accumulated other comprehensive income/(loss)	Total shareholders’ equity
	Common stock
Six months ended June 30, 2025	Shares	Amount
Beginning balance at December 31, 2024	127,508,003	$	1,275	1,033,385	673,110	(110,914)	1,596,856

Comprehensive income:
Net income	—	—		—	77,133	—	77,133

Other comprehensive income, net of tax of ($4,911)	—	—		—	—	15,040	15,040

Total comprehensive income	—	—		—	77,133	15,040	92,173





Exercise of stock options	65,134	—		586	—	—	586

Stock-based compensation expense	291,738	3		3,644	—	—	3,647





Common shares returned (1)	(22,472)	—		—	—	—	—

Dividends paid ($0.40 per share)	—	—		—	(51,194)	—	(51,194)

Ending balance at June 30, 2025	127,842,403	$	1,278	1,037,615	699,049	(95,874)	1,642,068

(1) includes shares withheld for taxes and forfeitures


				Additional paid-in capital	Retained earnings	Accumulated other comprehensive income/(loss)	Total shareholders’ equity
	Common stock
Six months ended June 30, 2024	Shares	Amount
Beginning balance at December 31, 2023	127,110,453	$	1,271	1,024,852	674,686	(149,492)	1,551,317

Comprehensive income:
Net income	—	—		—	33,910	—	33,910

Other comprehensive income, net of tax of ($6,212)	—	—		—	—	19,408	19,408

Total comprehensive income	—	—		—	33,910	19,408	53,318



Exercise of stock options	6,392	—		81	—	—	81

Stock-based compensation expense	203,978	2		2,770	—	—	2,772

Stock-based compensation forfeited	(12,826)	—		—	—	—	—

Dividends paid ($0.40 per share)	—	—		—	(50,890)	—	(50,890)

Ending balance at June 30, 2024	127,307,997	$	1,273	1,027,703	657,706	(130,084)	1,556,598

See accompanying notes to unaudited Consolidated Financial Statements.

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NORTHWEST BANCSHARES, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)

(in thousands)


	Six months ended June 30,
	2025		2024
Operating activities:
Net income	$	77,133	33,910
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	16,655		3,065
Loss on sale of investments	—		39,413
Net gain/loss on sale of assets	206		(5,468)
Mortgage banking activity	(1,771)		(1,625)
Gain on sale of SBA loans	(2,057)		(2,265)

Net depreciation, amortization and accretion	1,658		10,975
Decrease in other assets	34,462		9,938
Decrease/(increase) in other liabilities	(28,552)		8,375
Net amortization on marketable securities	(66)		852
Noncash compensation expense related to stock benefit plans	3,647		2,772
Noncash write-down of other assets	315		5,795


Deferred income tax expense	(860)		2,907

Origination of loans held-for-sale	(81,769)		(99,421)
Proceeds from sale of loans held-for-sale	86,284		102,134

Net cash provided by operating activities	105,285		111,357

Investing activities:

Purchase of marketable securities available-for-sale	(112,198)		(318,280)
Proceeds from maturities and principal reductions of marketable securities held-to-maturity	30,658		30,254
Proceeds from maturities and principal reductions of marketable securities available-for-sale	49,644		40,455
Proceeds from sale of marketable securities available-for-sale	—		275,585
Proceeds from bank-owned life insurance	111		874
Loan originations	(1,969,106)		(1,969,342)


Proceeds from loan maturities and principal reductions	1,866,780		2,020,162

Net proceeds of FHLB stock	3,197		9,304
Proceeds from sale of real estate owned	410		638

Purchases of premises and equipment, net	(5,451)		(1,988)
Net cash used in investing activities	(135,955)		87,662

Financing activities:
Net increase in deposits	56,475		107,477


Net decrease in short-term borrowings	(2,323)		(156,532)
Increase in advances by borrowers for taxes and insurance	5,823		7,018
Cash dividends paid on common stock	(51,194)		(50,890)

Proceeds from stock options exercised	586		81
Net cash provided by financing activities	9,367		(92,846)
Net (decrease)/increase in cash and cash equivalents	$	(21,303)	106,173

Cash and cash equivalents at beginning of period	$	288,378	122,260
Net (decrease)/increase in cash and cash equivalents	(21,303)		106,173
Cash and cash equivalents at end of period	$	267,075	228,433

Cash paid during the period for:
Interest on deposits and borrowings (including interest credited to deposit accounts of $80,748 and $81,238, respectively)	$	105,881	109,260
Income taxes	27,841		13,972

Non-cash activities:
Loan foreclosures and repossessions	$	1,977	2,294

See accompanying notes to unaudited Consolidated Financial Statements.

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NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited)

(1) Basis of Presentation and Informational Disclosures

Northwest Bancshares, Inc. (the “Company” or “Northwest”), a Maryland corporation headquartered in Columbus, Ohio, is a bank holding company regulated by the Board of Governors of the Federal Reserve Board (“Federal Reserve Board”). The primary activity of the Company is the ownership of all of the issued and outstanding common stock of Northwest Bank, a Pennsylvania-chartered savings bank (“Northwest Bank”). Northwest Bank is regulated by the Federal Deposit Insurance Corporation (“FDIC”) and the Pennsylvania Department of Banking and Securities. Northwest Bank operates 141 community-banking offices throughout Pennsylvania, Western New York, Eastern Ohio, and Indiana.

The accompanying unaudited Consolidated Financial Statements include the accounts of the Company and its subsidiary, Northwest Bank, and Northwest’s subsidiaries Northwest Capital Group, Inc., Great Northwest Corporation, and Mutual Federal Interest Company, Inc. The unaudited Consolidated Financial Statements have been prepared in accordance with United States generally accepted accounting principles for interim financial information and with the instructions for Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information or footnotes required for complete annual financial statements. In the opinion of management, all adjustments necessary for the fair presentation of the Company’s financial position and results of operations have been included. The Consolidated Financial Statements have been prepared using the accounting policies described in the financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 updated, as required, for any new pronouncements or changes.

Certain items previously reported have been reclassified to conform to the current year’s reporting format.

The results of operations for the quarter ended June 30, 2025 are not necessarily indicative of the results that may be expected for the year ending December 31, 2025, or any other period.

(2) Marketable Securities

The following table shows the portfolio of marketable securities available-for-sale at June 30, 2025 (in thousands):


	Amortized cost		Gross unrealized holding gains	Gross unrealized holding losses	Fair value
Debt issued by the U.S government and agencies:

Due after ten years	$	43,461	—	(8,531)	34,930

Debt issued by government-sponsored enterprises:

Due after one year through five years	84		—	(4)	80





Municipal securities:

Due after one year through five years	853		12	—	865
Due after five years through ten years	17,774		109	(1,772)	16,111
Due after ten years	50,029		25	(9,189)	40,865

Corporate debt issues:
Due in one year or less	7,929		56	(67)	7,918
Due after five years through ten years	22,049		873	—	22,922


Mortgage-backed securities:
Fixed rate pass-through	265,566		1,452	(13,350)	253,668
Variable rate pass-through	3,309		55	(2)	3,362

Fixed rate agency CMOs	887,740		1,996	(118,226)	771,510
Variable rate agency CMOs	42,857		30	(235)	42,652
Total mortgage-backed securities	1,199,472		3,533	(131,813)	1,071,192
Total marketable securities available-for-sale	$	1,341,651	4,608	(151,376)	1,194,883

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The following table shows the portfolio of marketable securities available-for-sale at December 31, 2024 (in thousands):


	Amortized cost		Gross unrealized holding gains	Gross unrealized holding losses	Fair value
Debt issued by the U.S. government and agencies:

Due after ten years	$	45,289	—	(9,898)	35,391

Debt issued by government-sponsored enterprises:

Due after one year through five years	122		—	(4)	118






Municipal securities:

Due after one year through five years	888		10	(2)	896
Due after five years through ten years	16,662		4	(1,756)	14,910
Due after ten years	51,257		4	(8,440)	42,821

Corporate debt issues:
Due in one year or less	5,485		—	(78)	5,407
Due after five years through ten years	19,944		815	(65)	20,694

Mortgage-backed securities:
Fixed rate pass-through	237,892		106	(17,581)	220,417
Variable rate pass-through	3,738		54	(3)	3,789

Fixed rate agency CMOs	852,648		174	(132,989)	719,833
Variable rate agency CMOs	44,740		30	(102)	44,668
Total mortgage-backed securities	1,139,018		364	(150,675)	988,707
Total marketable securities available-for-sale	$	1,278,665	1,197	(170,918)	1,108,944

The following table shows the portfolio of marketable securities held-to-maturity at June 30, 2025 (in thousands):


	Amortized cost		Gross unrealized holding gains	Gross unrealized holding losses	Fair value
Debt issued by government-sponsored enterprises:
Due in one year or less	$	16,477	—	(381)	16,096
Due after one year through five years	107,986		—	(10,215)	97,771

Mortgage-backed securities:
Fixed rate pass-through	125,996		—	(15,293)	110,703
Variable rate pass-through	346		3	—	349
Fixed rate agency CMOs	468,228		—	(64,736)	403,492
Variable rate agency CMOs	528		—	(3)	525
Total mortgage-backed securities	595,098		3	(80,032)	515,069
Total marketable securities held-to-maturity	$	719,561	3	(90,628)	628,936

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The following table shows the portfolio of marketable securities held-to-maturity at December 31, 2024 (in thousands):


	Amortized cost		Gross unrealized holding gains	Gross unrealized holding losses	Fair value
Debt issued by government-sponsored enterprises:
Due after one year through five years	$	124,462	—	(14,464)	109,998



Mortgage-backed securities:
Fixed rate pass-through	132,816		—	(20,181)	112,635
Variable rate pass-through	364		1	—	365
Fixed rate agency CMOs	492,415		—	(77,989)	414,426
Variable rate agency CMOs	529		—	(5)	524
Total mortgage-backed securities	626,124		1	(98,175)	527,950
Total marketable securities held-to-maturity	$	750,586	1	(112,639)	637,948

The following table shows the contractual maturity of our mortgage-backed securities available-for-sale at June 30, 2025 (in thousands):


	Amortized cost		Fair value




Mortgage-backed securities:
Due within one year	$	102	102
Due after one year through five years	9,461		9,456
Due after five years through ten years	8,038		7,333
Due after ten years	1,181,871		1,054,301
Total mortgage-backed securities	$	1,199,472	1,071,192

The following table shows the contractual maturity of our mortgage-backed securities held-to-maturity at June 30, 2025 (in thousands):


	Amortized cost		Fair value




Mortgage-backed securities:

Due after one year through five years	19,902		18,519
Due after five years through ten years	20,168		17,241
Due after ten years	555,028		479,309
Total mortgage-backed securities	$	595,098	515,069

The following table shows the fair value of and gross unrealized losses on available-for-sale investment securities and held to maturity investment securities, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at June 30, 2025 (in thousands):


	Less than 12 months			12 months or more		Total
	Fair value		Unrealized loss	Fair value	Unrealized loss	Fair value	Unrealized loss
U.S. government-sponsored enterprises	$	—	—	148,877	(19,131)	148,877	(19,131)
Municipal securities	10,419		(105)	38,307	(10,856)	48,726	(10,961)
Corporate issues	1,974		(26)	3,445	(41)	5,419	(67)

Mortgage-backed securities - agency	115,242		(1,305)	1,114,721	(210,540)	1,229,963	(211,845)

Total	$	127,635	(1,436)	1,305,350	(240,568)	1,432,985	(242,004)

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	Less than 12 months			12 months or more		Total
	Fair value		Unrealized loss	Fair value	Unrealized loss	Fair value	Unrealized loss
U.S. government-sponsored enterprises	$	—	—	145,507	(24,366)	145,507	(24,366)
Corporate debt issues	—		—	8,335	(143)	8,335	(143)

Municipal securities	15,407		(186)	39,296	(10,012)	54,703	(10,198)
Mortgage-backed securities - agency	297,828		(3,578)	1,117,280	(245,272)	1,415,108	(248,850)
Total	$	313,235	(3,764)	1,310,418	(279,793)	1,623,653	(283,557)

The Company does not believe that the available-for-sale debt securities that were in an unrealized loss position as of June 30, 2025, which were comprised of 319 individual securities, represent a credit loss impairment. All of these securities were issued by U.S. government agencies, U.S. government-sponsored enterprises, local municipalities, or represent corporate debt. The securities issued by the U.S. government agencies or U.S. government-sponsored enterprises are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The securities issued by local municipalities and the corporate debt issues were all highly rated by major rating agencies and have no history of credit losses. The unrealized losses were primarily attributable to changes in the interest rate environment and not due to the credit quality of these investment securities. As of June 30, 2025, the Company does not have the intent to sell these investment securities and it is more likely than not that we will not be required to sell these securities before their anticipated recovery, which may be at maturity.

All of the Company’s held-to-maturity debt securities are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The decline in fair value of the held-to-maturity debt securities were primarily attributable to changes in the interest rate environment and not due to the credit quality of these investment securities, therefore, the Company did not record an allowance for credit losses for these securities as of June 30, 2025.

The following table presents the credit quality of our held-to-maturity securities, based on the latest information available as of June 30, 2025 (in thousands). The credit ratings are sourced from nationally recognized rating agencies, which include Moody’s and S&P, and they are presented based on asset type. All of our held-to-maturity securities were current in their payment of principal and interest as of June 30, 2025.


	AA+		Total




Held-to-maturity securities (at amortized cost):
Debt issued by the U.S. government-sponsored enterprises	$	124,463	124,463
Mortgage-backed securities	595,098		595,098
Total marketable securities held-to-maturity	$	719,561	719,561

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(3) Loans Receivable

The following tables excludes loans held for sale. The following table shows a summary of our loans receivable at amortized cost basis at June 30, 2025 and December 31, 2024 (in thousands):


	June 30, 2025	December 31, 2024

Personal Banking:

Residential mortgage loans	3,052,126	3,178,269
Home equity loans	1,157,520	1,149,396
Vehicle loans	2,084,500	1,870,843
Consumer loans	126,775	124,242
Total Personal Banking	6,420,921	6,322,750

Commercial Banking:
Commercial real estate loans	2,418,992	2,495,726
Commercial real estate loans - owner occupied	363,412	354,136
Commercial loans	2,138,499	2,007,402
Total Commercial Banking	4,920,903	4,857,264
Total loans receivable, gross	11,341,824	11,180,014

Allowance for credit losses	(129,159)	(116,819)
Total loans receivable, net (1)	11,212,665	11,063,195

(1) Includes $68 million and $60 million of net unearned income, unamortized premiums and discounts and deferred fees and costs at June 30, 2025 and December 31, 2024, respectively.

The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2025 (in thousands):


	Balance as of June 30, 2025		Current period provision	Charge-offs	Recoveries	Balance as of March 31, 2025
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	12,089	(1,079)	(273)	166	13,275
Home equity loans	4,216		(228)	(413)	233	4,624
Vehicle loans	21,234		448	(2,150)	481	22,455
Consumer loans	2,266		1,028	(1,181)	422	1,997
Total Personal Banking	39,805		169	(4,017)	1,302	42,351

Commercial Banking:
Commercial real estate loans	53,624		7,432	(293)	902	45,583
Commercial real estate loans - owner occupied	4,130		(130)	—	73	4,187
Commercial loans	31,600		3,985	(3,597)	524	30,688
Total Commercial Banking	89,354		11,287	(3,890)	1,499	80,458
Total	$	129,159	11,456	(7,907)	2,801	122,809

Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:


Home equity loans	$	65	4	—	—	61

Total Personal Banking	65		4	—	—	61

Commercial Banking:
Commercial real estate loans	1,897		(1,059)	—	—	2,956
Commercial real estate loans - owner occupied	260		124	—	—	136
Commercial loans	8,670		(1,781)	—	—	10,451
Total Commercial Banking	10,827		(2,716)	—	—	13,543
Total off-balance sheet exposure	$	10,892	(2,712)	—	—	13,604

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The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2024 (in thousands):


	Balance as of June 30, 2024		Current period provision	Charge-offs	Recoveries	Balance as of March 31, 2024
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	14,999	(2,375)	(252)	805	16,821
Home equity loans	5,210		(279)	(237)	392	5,334
Vehicle loans	21,364		1,767	(1,926)	462	21,061
Consumer loans	1,668		434	(635)	417	1,452
Total Personal Banking	43,241		(453)	(3,050)	2,076	44,668

Commercial Banking:
Commercial real estate loans	50,559		(3,785)	(500)	370	54,474
Commercial real estate loans - owner occupied	3,615		(453)	—	13	4,055
Commercial loans	27,655		6,860	(1,319)	414	21,700
Total Commercial Banking	81,829		2,622	(1,819)	797	80,229
Total	$	125,070	2,169	(4,869)	2,873	124,897

Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:
Residential mortgage loans	$	1	—	—	—	1
Home equity loans	63		(1)	—	—	64

Total Personal Banking	64		(1)	—	—	65

Commercial Banking:
Commercial real estate loans	4,450		(1,768)	—	—	6,218
Commercial real estate loans - owner occupied	151		(3)	—	—	154
Commercial loans	9,120		(767)	—	—	9,887
Total Commercial Banking	13,721		(2,538)	—	—	16,259
Total off-balance sheet exposure	$	13,785	(2,539)	—	—	16,324

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The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2025 (in thousands):


	Balance as of June 30, 2025		Current period provision	Charge-offs	Recoveries	Balance as of December 31, 2024
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	12,089	(1,672)	(861)	275	14,347
Home equity loans	4,216		(378)	(686)	435	4,845
Vehicle loans	21,234		2,263	(4,451)	1,033	22,389
Consumer loans	2,266		2,289	(2,685)	779	1,883
Total Personal Banking	39,805		2,502	(8,683)	2,522	43,464

Commercial Banking:
Commercial real estate loans	53,624		7,281	(409)	2,424	44,328
Commercial real estate loans - owner occupied	4,130		168	—	80	3,882
Commercial loans	31,600		9,761	(4,168)	862	25,145
Total Commercial Banking	89,354		17,210	(4,577)	3,366	73,355
Total	$	129,159	19,712	(13,260)	5,888	116,819

Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:

Home equity loans	65		3	—	—	62

Total Personal Banking	65		3	—	—	62

Commercial Banking:
Commercial real estate loans	1,897		(2,257)	—	—	4,154
Commercial real estate loans - owner occupied	260		100	—	—	160
Commercial loans	8,670		(903)	—	—	9,573
Total Commercial Banking	10,827		(3,060)	—	—	13,887
Total off-balance sheet exposure	$	10,892	(3,057)	—	—	13,949

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The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2024 (in thousands):


	Balance as of June 30, 2024		Current period provision	Charge-offs	Recoveries	Balance as of December 31, 2023
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	14,999	(3,774)	(414)	994	18,193
Home equity loans	5,210		(134)	(649)	590	5,403
Vehicle loans	21,364		(1,927)	(4,514)	894	26,911
Consumer loans	1,668		2,283	(2,620)	806	1,199
Total Personal Banking	43,241		(3,552)	(8,197)	3,284	51,706

Commercial Banking:
Commercial real estate loans	50,559		(712)	(849)	853	51,267
Commercial real estate loans - owner occupied	3,615		(181)	—	21	3,775
Commercial loans	27,655		10,848	(2,482)	794	18,495
Total Commercial Banking	81,829		9,955	(3,331)	1,668	73,537
Total	$	125,070	6,403	(11,528)	4,952	125,243

Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:
Residential mortgage loans	$	1	(1)	—	—	2
Home equity loans	63		(2)	—	—	65

Total Personal Banking	64		(3)	—	—	67

Commercial Banking:
Commercial real estate loans	4,450		(1,697)	—	—	6,147
Commercial real estate loans - owner occupied	151		(22)	—	—	173
Commercial loans	9,120		(1,616)	—	—	10,736
Total Commercial Banking	13,721		(3,335)	—	—	17,056
Total off-balance sheet exposure	$	13,785	(3,338)	—	—	17,123

The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at June 30, 2025 (in thousands):


	Total loans receivable		Allowance for credit losses	Nonaccrual loans	Loans 90 days past due and accruing
Personal Banking:
Residential mortgage loans	$	3,052,126	12,089	8,482	—
Home equity loans	1,157,520		4,216	3,507	—
Vehicle loans	2,084,500		21,234	4,191	—
Consumer loans	126,775		2,266	227	493
Total Personal Banking	6,420,921		39,805	16,407	493

Commercial Banking:
Commercial real estate loans	2,418,992		53,624	61,327	—
Commercial real estate loans - owner occupied	363,412		4,130	764	—
Commercial loans	2,138,499		31,600	23,896	—
Total Commercial Banking	4,920,903		89,354	85,987	—

Total	$	11,341,824	129,159	102,394	493

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The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2024 (in thousands):


	Total loans receivable		Allowance for credit losses	Nonaccrual loans	Loans 90 days past due and accruing
Personal Banking:
Residential mortgage loans	$	3,178,269	14,347	6,951	—
Home equity loans	1,149,396		4,845	3,332	—
Vehicle loans	1,870,843		22,389	4,829	—
Consumer loans	124,242		1,883	199	578
Total Personal Banking	6,322,750		43,464	15,311	578

Commercial Banking:
Commercial real estate loans	2,495,726		44,328	36,183	—
Commercial real estate loans - owner occupied	354,136		3,882	784	—
Commercial loans	2,007,402		25,145	9,123	78
Total Commercial Banking	4,857,264		73,355	46,090	78

Total	$	11,180,014	116,819	61,401	656

We present the amortized cost of our loans on nonaccrual status including such loans with no allowance. The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the period ended June 30, 2025 (in thousands):


			June 30, 2025
	Nonaccrual loans at December 31, 2024		Nonaccrual loans with an allowance	Nonaccrual loans with no allowance	Total nonaccrual loans at the end of the period
Personal Banking:
Residential mortgage loans	$	6,951	6,529	1,953	8,482
Home equity loans	3,332		2,738	769	3,507
Vehicle loans	4,829		2,271	1,920	4,191
Consumer loans	199		227	—	227
Total Personal Banking	15,311		11,765	4,642	16,407

Commercial Banking:
Commercial real estate loans	36,183		56,139	5,188	61,327
Commercial real estate loans - owner occupied	784		764	—	764
Commercial loans	9,123		21,080	2,816	23,896
Total Commercial Banking	46,090		77,983	8,004	85,987

Total	$	61,401	89,748	12,646	102,394

During the three and six months ended June 30, 2025, we did not recognize any interest income on nonaccrual loans.

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The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2024 (in thousands):


			December 31, 2024
	Nonaccrual loans at December 31, 2023		Nonaccrual loans with an allowance	Nonaccrual loans with no allowance	Total nonaccrual loans at the end of the period
Personal Banking:
Residential mortgage loans	$	8,727	6,590	361	6,951
Home equity loans	4,492		3,200	132	3,332
Vehicle loans	4,816		3,958	871	4,829
Consumer loans	229		198	1	199
Total Personal Banking	18,264		13,946	1,365	15,311

Commercial Banking:
Commercial real estate loans	71,297		22,813	13,370	36,183
Commercial real estate loans - owner occupied	676		784	—	784
Commercial loans	4,147		7,471	1,652	9,123
Total Commercial Banking	76,120		31,068	15,022	46,090

Total	$	94,384	45,014	16,387	61,401

During the year ended December 31, 2024, we did not recognize any interest income on nonaccrual loans.

A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. The following table presents the amortized cost basis of collateral-dependent loans by class of loans and collateral type as of as of June 30, 2025 (in thousands):


	Real estate		Equipment	Other	Total







Commercial Banking:
Commercial real estate loans	$	48,875	—	—	48,875

Commercial loans	4,015		2,649	2,048	8,712
Total Commercial Banking	52,890		2,649	2,048	57,587

Total	$	52,890	2,649	2,048	57,587

The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2024 (in thousands):


	Real estate		Equipment	Other	Total







Commercial Banking:
Commercial real estate loans	$	27,907	—	339	28,246

Commercial loans	—		1,651	2,204	3,855
Total Commercial Banking	27,907		1,651	2,543	32,101

Total	$	27,907	1,651	2,543	32,101

Occasionally, the Company modifies loans to borrowers in financial distress by providing principal forgiveness, term extensions, an other-than-insignificant payment delay, or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged off against the allowance for credit losses.

In some cases, the Company provides multiple types of concessions to one loan. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. For loans included in the "combination" columns below, multiple types of modifications have been made on the same loan within the current reporting period. The combination is at least two of the following: a term extension, principal forgiveness, an other-than-insignificant payment delay, and/or an interest rate reduction.

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The following table presents the amortized cost basis of loans for the periods indicated that were both experiencing financial difficulty and modified during the respective period, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financial receivable is also presented below (dollars in thousands).


	For the quarter ended June 30,
	2025							2024
	Payment delay		Term extension		Combination term extension and interest rate reduction	Total class of financing receivable			Term extension	Interest rate reduction	Total class of financing receivable
Personal Banking:
Residential mortgage loans	$	—	$	276	—	0.01	%		15	—	—	%
Home equity loans	—		—		—	0.00	%		42	—	—	%


Total Personal Banking	—		276		—	0.00	%		57	—	0.00	%

Commercial Banking:
Commercial real estate loans	43		3,183		91	0.14	%		—	—	—	%
Commercial real estate loans - owner occupied	—		3,542		—	0.97	%		—	697	0.19	%

Total Commercial Banking	43		6,725		91	0.14	%		—	697	0.01	%

Total	$	43	$	7,001	91	0.06	%		57	697	0.01	%


	For the six months ended June 30,
	2025				2024
	Payment delay		Term extension	Combination term extension and interest rate reduction	Total class of financing receivable		Payment delay	Term extension	Interest rate reduction	Combination term extension and interest rate reduction	Total class of financing receivable
Personal Banking:
Residential mortgage loans	$	—	305	—	0.01	%	—	497	—	—	0.01	%
Home equity loans	—		78	—	0.01	%	—	551	—	84	0.05	%

Consumer loans	—		—	—	—	%	—	—	—	2	—	%
Total Personal Banking	—		383	—	0.01	%	—	1,048	—	86	0.02	%

Commercial Banking:
Commercial real estate loans	70		5,831	91	0.25	%	29,764	210	—	—	1.12	%
Commercial real estate loans - owner occupied	—		3,542	—	0.97	%	—	—	697	—	0.19	%
Commercial loans	1,785		8	9	0.08	%	—	31	—	9	—	%
Total Commercial Banking	1,855		9,381	100	0.23	%	29,764	241	697	9	0.64	%

Total	$	1,855	9,764	100	0.10	%	29,764	1,289	697	95	0.28	%

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The following table presents the effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicated:


	For the quarter ended June 30,
	2025				2024
	Weighted-average interest rate reduction		Weighted-average term extension in months	Weighted-average payment deferral in years	Weighted-average interest rate reduction		Weighted-average term extension in months
Personal Banking:
Residential mortgage loans	—	%	117	0	—	%	220
Home equity loans	—	%	0	0	—	%	73


Total Personal Banking	—	%	117	0	—	%	112

Commercial Banking:
Commercial real estate loans	1	%	11	0.5	—	%	0
Commercial real estate loans - owner occupied	—	%	6	0.0	2	%	0

Total Commercial Banking	1	%	9	0.5	2	%	0
Total loans	1	%	13	0.5	2	%	112


	For the six months ended June 30,
	2025				2024
	Weighted-average interest rate reduction		Weighted-average term extension in months	Weighted-average payment deferral in years	Weighted-average interest rate reduction		Weighted-average term extension in months	Weighted-average payment deferral in years
Personal Banking:
Residential mortgage loans	—		118	0	—		145	0
Home equity loans	—	%	131	0	2	%	97	0

Consumer loans	—	%	0	0	12	%	356	0
Total Personal Banking	—	%	121	0	2	%	119	0

Commercial Banking:
Commercial real estate loans	1	%	8	0.5	—	%	117	1
Commercial real estate loans - owner occupied	—	%	6	0	2	%	0	0
Commercial loans	1	%	85	0.75	4	%	118	0
Total Commercial Banking	1	%	7	0.75	2	%	117	1
Total loans	1	%	12	0.75	2	%	118	1

The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of loans that such loans have been modified within the previous twelve months of June 30, 2025 (in thousands):

Current

30-59 days
delinquent

60-89 days
delinquent

90 days or
greater
delinquent

Personal Banking:

Northwest Bancshares, Inc. 10-Q