0001471265-24-000067.txt : 20240422 0001471265-24-000067.hdr.sgml : 20240422 20240422090421 ACCESSION NUMBER: 0001471265-24-000067 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20240422 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240422 DATE AS OF CHANGE: 20240422 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Northwest Bancshares, Inc. CENTRAL INDEX KEY: 0001471265 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] ORGANIZATION NAME: 02 Finance IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-34582 FILM NUMBER: 24859682 BUSINESS ADDRESS: STREET 1: 100 LIBERTY STREET CITY: WARREN STATE: PA ZIP: 16365 BUSINESS PHONE: (814) 726-2140 MAIL ADDRESS: STREET 1: 100 LIBERTY STREET CITY: WARREN STATE: PA ZIP: 16365 8-K 1 nwbi-20240422.htm 8-K nwbi-20240422
0001471265false00014712652024-04-222024-04-22


SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT

Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
 
Date of Report (Date of earliest event reported):   April 22, 2024
 
Northwest Bancshares, Inc.
(Exact name of registrant as specified in its charter)
 
Maryland 001-34582 27-0950358
(State or other jurisdiction of incorporation) (Commission File No.) (I.R.S. Employer Identification No.)
 
3 Easton Oval Suite 500ColumbusOhio 43219
(Address of principal executive office) (Zip code)
 
(814) 726-2140
(Registrant’s telephone number, including area code)  

Not Applicable
(Former name or former address, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered
Common Stock, 0.01 Par ValueNWBINASDAQ Stock Market, LLC

    Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))

    Indicate by a check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ 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. ☐


Item 2.02                                           Results of Operations and Financial Condition
 
    On April 22, 2024, Northwest Bancshares, Inc. issued an earnings release for the quarter ended March 31, 2024.  A copy of the release is included as exhibit 99.1 to this report and is being furnished to the SEC and shall not be deemed “filed” for any purpose.

Item 9.01                                           Financial Statements and Exhibits
 
(a)                                 Not applicable
 
(b)                                 Not applicable
 
(c)                                  Not applicable
 
(d)                                 Exhibits
 
Exhibit No. Description
   
 Press release dated April 22, 2024
104Press release dated Cover Page Interactive Data File (embedded within the Inline XBRL document)


SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.
 
  NORTHWEST BANCSHARES, INC.
   
Date:April 22, 2024 By:
/s/ Douglas M. Schosser
  Douglas M. Schosser
  Chief Financial Officer


 EX-99.1 2 a2024-03x31nwbi8ker.htm EX-99.1 Document

EXHIBIT 99.1
 
PRESS RELEASE OF NORTHWEST BANCSHARES, INC.
EARNINGS RELEASE
 
FOR IMMEDIATE RELEASE
 
Contact:Louis J. Torchio, President and Chief Executive Officer
Douglas M. Schosser, Senior Executive Vice President, Chief Financial Officer (814) 726-2140
 
Northwest Bancshares, Inc. Announces First Quarter 2024 Earnings and Quarterly Dividend

118th consecutive quarterly dividend of $0.20 per share declared.
 
Columbus, Ohio — April 22, 2024
 
Northwest Bancshares, Inc., (the “Company”), (NasdaqGS: NWBI) announced net income for the quarter ended March 31, 2024 of $29 million, or $0.23 per diluted share. This represents a decrease of $5 million, or 13%, compared to the same quarter last year, when net income was $34 million, or $0.26 per diluted share. The annualized returns on average shareholders’ equity and average assets for the quarter ended March 31, 2024 were 7.57% and 0.81% compared to 9.11% and 0.97% for the same quarter last year.

The Company also announced that its Board of Directors declared a quarterly cash dividend of $0.20 per share payable on May 15, 2024 to shareholders of record as of May 2, 2024. This is the 118th consecutive quarter in which the Company has paid a cash dividend. Based on the market value of the Company’s common stock as of March 31, 2024, this represents an annualized dividend yield of approximately 6.9%.

The Company is announcing its intentions to pursue a limited, strategic repositioning of the securities portfolio to optimize its balance sheet by liquidating lower-yielding securities in an effort to generate additional future earnings. This initiative will be accomplished through the sale of up to 15% of the Company’s investment securities portfolio. The securities losses recognized will be limited to $40 million, equivalent to approximately $30 million after tax. The Company expects a yield pickup of 375-400 basis points from the repositioning and will look to manage the payback period so that it will be approximately three years. The characteristics of investment securities to be sold have an average yield less than 2.00% with a remaining maturity of greater than four years. The proceeds will be used to reduce borrowings in the short term while also opportunistically reinvesting into securities with similar risk, maturity and duration characteristics.

Louis J. Torchio, President and CEO, added, “As part of the Company’s ongoing efforts to enhance future profitability, we have proactively chosen to reposition our securities portfolio. By executing this strategic securities transaction, we will significantly improve the Company’s future earnings potential while simultaneously maintaining our robust capital levels and liquidity. This strategic move aligns with our commitment to long-term financial stability and growth, ensuring that we are well-positioned to capitalize on future opportunities and navigate any potential challenges in the market.”

“In addition, we are proud of our first quarter earnings, which demonstrate our focus and commitment to achieving solid results in a challenging environment. Our strong performance is a testament to our robust business model, dedicated team, and the trust of our customers,” added Mr. Torchio. “Despite industry headwinds, we have emerged stronger by staying true to our core values, prioritizing growth and transformation, and maintaining a customer-centric approach. Our first quarter results provide a solid foundation for continued growth. We are grateful for the support of our employees, customers, partners, and shareholders. Together, we will continue driving success and shape the future of our organization.”

Balance Sheet Highlights

Quarter ended
March 31, 2024March 31, 2023Dollar changePercent change
Average loans receivable$11,345,308 10,887,132 458,176 4.2 %
Average investments2,051,058 2,294,393 (243,335)(10.6)%
Average deposits11,887,954 11,404,035 483,919 4.2 %
Average borrowed funds469,697 740,218 (270,521)(36.5)%

1

•Average loans receivable increased 4% from the quarter ended March 31, 2023 driven by commercial loans, which grew by $553 million as we have continued to build-out our commercial lending verticals.
•Average investments declined 11% from the quarter ended March 31, 2023. The decline in investments was driven by the sale of investment securities during the prior year.
•Average deposits grew 4% from the quarter ended March 31, 2023 driven by a $1.404 billion increase in our average time deposits as we continued competitively positioning our deposit products. This increase was partially offset by a decrease in money market balances as customers shifted balances into higher yielding time deposit accounts.
•Compared to the quarter ending March 31, 2023, average borrowings saw a significant 37% reduction, primarily attributable to the strategic pay down of wholesale borrowings. This decrease was made possible by a substantial increase in cash reserves, resulting from a notable rise in the average balance of deposits.

Income Statement Highlights

Quarter ended
March 31, 2024March 31, 2023Dollar changePercent change
Interest income$160,239 134,940 25,299 18.7 %
Interest expense57,001 22,476 34,525 153.6 %
Net interest income$103,238 112,464 (9,226)(8.2)%
Net interest margin3.10 %3.46 %N/A

Net interest income decreased 8%, and net interest margin decreased to 3.10% from the quarter ended March 31, 2023. This decrease in net interest income resulted primarily from:

•A $25 million increase in interest income as cash and marketable securities were redeployed into higher yielding loans, which, along with higher market interest rates, caused the yield on loans to improve to 5.33% for the quarter ended March 31, 2024 from 4.63% for the quarter ended March 31, 2023.
•A $35 million increase in interest expense as the result of higher costs of deposits and borrowings due to the higher interest rate environment and competitive pressure for liquidity. The cost of interest-bearing liabilities increased to 2.28% for the quarter ended March 31, 2024 from 0.96% for the quarter ended March 31, 2023.

Quarter ended
March 31, 2024March 31, 2023Dollar changePercent change
Provision for credit losses - loans$4,234 4,870 (636)(13.1)%
Provision for credit losses - unfunded commitments(799)126 (925)(734.1)%
Total provision for credit losses expense$3,435 4,996 (1,561)(31.2)%

The provision for credit losses decreased by 31% from the quarter ended March 31, 2023 primarily driven by a decline in our reserves for unfunded commitments in the current period based on the timing of origination and funding of commercial construction loans and lines of credit coupled with improvements in the economic forecasts. Additionally, the Company continued to experience low levels of classified loans with a slight increase to $229 million or 1.99% of total loans at March 31, 2024 from $209 million, or 1.88% of total loans, at March 31, 2023.

Quarter ended
March 31, 2024March 31, 2023Dollar changePercent change
Noninterest income:
Gain on sale of SBA loans$873 279594212.9 %
Service charges and fees15,523 13,189 2,33417.7 %
Trust and other financial services income7,127 6,449 67810.5 %
Gain on real estate owned, net57 108 (51)(47.2)%
Income from bank-owned life insurance1,502 1,269 23318.4 %
Mortgage banking income452 524 (72)(13.7)%
Other operating income2,429 2,151 27812.9 %
Total noninterest income$27,963 23,969 3,99416.7 %
     
2

Noninterest income increased 17% from the quarter ended March 31, 2023. This increase was primarily due to an increase in service charges and fees driven by deposit-related fees based on customer activity as well as commercial loans fees, gain on sale of SBA loans, and improvements in trust and other financial services income.

Quarter ended
March 31, 2024March 31, 2023Dollar changePercent change
Noninterest expense:
Personnel expense$51,540 46,604 4,93610.6 %
Non personnel expense38,48440,846(2,362)(5.8)%
Total noninterest expense$90,024 87,450 2,5742.9 %

Noninterest expense increased 3% from the quarter ended March 31, 2023. This increase primarily resulted from a rise in personnel expense driven by the build-out of the commercial business and related credit, risk management and internal audit support functions over the past year. This was offset by a decrease in non-personnel expense related to a decline in merger, asset disposition and restructuring expense due to the severance and fixed asset charges related to the branch optimization and personnel reduction announced during the fourth quarter of 2022 as well as improvements in marketing expense and professional services expense.

The provision for income taxes decreased by $1.7 million, or 17%, to $8.6 million for the quarter ended March 31, 2024 from $10.3 million for the quarter ended March 31, 2023 due primarily to lower income before income taxes.

Headquartered in Columbus, Ohio, Northwest Bancshares, Inc. is the bank holding company of Northwest Bank. Founded in 1896 Northwest Bank is a full-service financial institution offering a complete line of business and personal banking products, as well as employee benefits and wealth management services. As of March 31, 2024, Northwest operated 134 full-service branches and eight free standing drive-through facilities in Pennsylvania, New York, Ohio and Indiana. Northwest Bancshares, Inc.’s common stock is listed on the NASDAQ Global Select Market (“NWBI”). Additional information regarding Northwest Bancshares, Inc. and Northwest Bank can be accessed on-line at www.northwest.com.
 
#                      #                      #
 
Forward-Looking Statements - This release may contain forward-looking statements with respect to the financial condition and results of operations of Northwest Bancshares, Inc. including, without limitations, statements relating to the earnings outlook of the Company. These forward-looking statements involve certain risks and uncertainties. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements, include among others, the following possibilities: (1) changes in the interest rate environment; (2) competitive pressure among financial services companies; (3) general economic conditions including inflation and an increase in non-performing loans; (4) changes in legislation or regulatory requirements; (5) difficulties in continuing to improve operating efficiencies; (6) difficulties in the integration of acquired businesses or the ability to complete sales transactions; (7) increased risk associated with commercial real-estate and business loans; (8) changes in liquidity, including the size and composition of our deposit portfolio; (9) reduction in the value of our goodwill and other intangible assets; and (10) the effect of any pandemic, including COVID-19, war or act of terrorism. Management has no obligation to revise or update these forward-looking statements to reflect events or circumstances that arise after the date of this release.
3

Northwest Bancshares, Inc. and Subsidiaries
Consolidated Statements of Financial Condition (Unaudited)
(dollars in thousands, except per share amounts)
March 31,
2024		December 31,
2023		March 31,
2023
Assets  
Cash and cash equivalents$119,319 122,260 96,497 
Marketable securities available-for-sale (amortized cost of $1,298,108, $1,240,003 and $1,402,805, respectively)
1,094,009 1,043,359 1,205,510 
Marketable securities held-to-maturity (fair value of $680,353, $699,506 and $750,345, respectively)
801,107 814,839 866,022 
Total cash and cash equivalents and marketable securities2,014,435 1,980,458 2,168,029 
Loans held-for-sale8,082 8,768 7,006 
Residential mortgage loans3,374,980 3,419,417 3,499,078 
Home equity loans1,196,607 1,227,858 1,281,546 
Consumer loans2,118,367 2,126,027 2,232,133 
Commercial real estate loans3,028,314 2,974,010 2,826,485 
Commercial loans1,774,896 1,658,729 1,246,023 
Total loans receivable11,501,246 11,414,809 11,092,271 
Allowance for credit losses(124,897)(125,243)(121,257)
Loans receivable, net11,376,349 11,289,566 10,971,014 
FHLB stock, at cost30,811 30,146 41,519 
Accrued interest receivable50,680 47,353 36,177 
Real estate owned, net50 104 524 
Premises and equipment, net130,565 138,838 140,301 
Bank-owned life insurance252,842 251,895 256,310 
Goodwill380,997 380,997 380,997 
Other intangible assets, net4,589 5,290 7,651 
Other assets268,945 294,458 191,294 
Total assets$14,510,263 14,419,105 14,193,816 
Liabilities and shareholders’ equity  
Liabilities  
Noninterest-bearing demand deposits$2,618,379 2,669,023 2,896,092 
Interest-bearing demand deposits2,557,866 2,634,546 2,541,503 
Money market deposit accounts1,952,537 1,968,218 2,328,050 
Savings deposits2,156,048 2,105,234 2,194,743 
Time deposits2,786,814 2,602,881 1,576,791 
Total deposits12,071,644 11,979,902 11,537,179 
Borrowed funds400,783 398,895 688,641 
Subordinated debt114,276 114,189 113,927 
Junior subordinated debentures129,639 129,574 129,379 
Advances by borrowers for taxes and insurance46,970 45,253 49,893 
Accrued interest payable17,395 13,669 2,236 
Other liabilities177,107 186,306 159,286 
Total liabilities12,957,814 12,867,788 12,680,541 
Shareholders’ equity  
Preferred stock, $0.01 par value: 50,000,000 shares authorized, no shares issued
— — — 
Common stock, $0.01 par value: 500,000,000 shares authorized, 127,253,189, 127,110,453 and 127,065,400 shares issued and outstanding, respectively
1,273 1,271 1,271 
Additional paid-in capital1,026,173 1,024,852 1,020,855 
Retained earnings678,427 674,686 649,672 
Accumulated other comprehensive loss(153,424)(149,492)(158,523)
Total shareholders’ equity1,552,449 1,551,317 1,513,275 
Total liabilities and shareholders’ equity$14,510,263 14,419,105 14,193,816 
Equity to assets10.70 %10.76 %10.66 %
Tangible common equity to assets*8.26 %8.30 %8.15 %
Book value per share$12.20 12.20 11.91 
Tangible book value per share*$9.17 9.17 8.85 
Closing market price per share$11.65 12.48 12.03 
Full time equivalent employees2,060 2,098 2,066 
Number of banking offices142 142 150 
*    Excludes goodwill and other intangible assets (non-GAAP). See reconciliation of non-GAAP financial measures for additional information relating to these items.
4

Northwest Bancshares, Inc. and Subsidiaries
Consolidated Statements of Income (Unaudited)
(dollars in thousands, except per share amounts)
 Quarter ended
 March 31, 2024December 31, 2023September 30, 2023June 30, 2023March 31, 2023
 
Interest income:    
Loans receivable$149,571 146,523 140,667 132,724 123,745 
Mortgage-backed securities7,944 7,951 8,072 8,326 8,537 
Taxable investment securities794 786 786 841 845 
Tax-free investment securities491 492 491 667 700 
FHLB stock dividends607 666 668 844 690 
Interest-earning deposits832 970 914 594 423 
Total interest income160,239 157,388 151,598 143,996 134,940 
Interest expense:    
Deposits47,686 40,600 31,688 21,817 11,238 
Borrowed funds9,315 10,486 11,542 13,630 11,238 
Total interest expense57,001 51,086 43,230 35,447 22,476 
Net interest income103,238 106,302 108,368 108,549 112,464 
Provision for credit losses - loans4,234 3,801 3,983 6,010 4,870 
Provision for credit losses - unfunded commitments(799)4,145 (2,981)2,920 126 
Net interest income after provision for credit losses99,803 98,356 107,366 99,619 107,468 
Noninterest income: 
Loss on sale of investments— (1)— (8,306)— 
Gain on sale of mortgage servicing rights— — — 8,305 — 
Gain on sale of SBA loans873 388 301 832 279 
Gain on sale of loans— 726 — — — 
Service charges and fees15,523 15,922 15,270 14,833 13,189 
Trust and other financial services income7,127 6,884 7,085 6,866 6,449 
Gain on real estate owned, net57 1,084 29 785 108 
Income from bank-owned life insurance1,502 1,454 4,561 1,304 1,269 
Mortgage banking income452 247 632 1,028 524 
Other operating income2,429 2,465 3,010 4,150 2,151 
Total noninterest income27,963 29,169 30,888 29,797 23,969 
Noninterest expense: 
Compensation and employee benefits51,540 50,194 51,243 47,650 46,604 
Premises and occupancy costs7,627 7,049 7,052 7,579 7,471 
Office operations2,767 3,747 3,398 2,800 3,010 
Collections expense336 328 551 429 387 
Processing expenses14,725 15,017 14,672 14,648 14,350 
Marketing expenses2,149 1,317 2,379 2,856 2,892 
Federal deposit insurance premiums3,023 2,643 2,341 2,064 2,223 
Professional services4,065 6,255 3,002 3,804 4,758 
Amortization of intangible assets701 724 795 842 909 
Real estate owned expense66 51 141 83 181 
Merger, asset disposition and restructuring expense955 2,354 — 1,593 2,802 
Other expenses2,070 997 1,996 1,510 1,863 
Total noninterest expense90,024 90,676 87,570 85,858 87,450 
Income before income taxes37,742 36,849 50,684 43,558 43,987 
Income tax expense8,579 7,835 11,464 10,514 10,308 
Net income$29,163 29,014 39,220 33,044 33,679 
Basic earnings per share$0.23 0.23 0.31 0.26 0.27 
Diluted earnings per share$0.23 0.23 0.31 0.26 0.26 
Annualized return on average equity7.57 %7.64 %10.27 %8.72 %9.11 %
Annualized return on average assets0.81 %0.80 %1.08 %0.93 %0.97 %
Annualized return on average tangible common equity *10.08 %10.28 %13.80 %11.71 %12.31 %
Efficiency ratio68.62 %66.93 %62.88 %62.06 %64.10 %
Efficiency ratio, excluding certain items **67.35 %64.66 %62.31 %60.30 %61.38 %
Annualized noninterest expense to average assets2.51 %2.51 %2.42 %2.42 %2.51 %
Annualized noninterest expense to average assets, excluding certain items**2.47 %2.43 %2.39 %2.35 %2.40 %
*    Excludes goodwill and other intangible assets (non-GAAP). See reconciliation of non-GAAP financial measures for additional information relating to these items.
**    Excludes amortization of intangible assets and merger, asset disposition and restructuring expenses (non-GAAP).See reconciliation of non-GAAP financial measures for additional information relating to these items.
5

Northwest Bancshares, Inc. and Subsidiaries
Reconciliation of Non-GAAP Financial Measures (Unaudited) *
(dollars in thousands, except per share amounts)
Quarter ended March 31,
20242023
Reconciliation of net income to adjusted net operating income:
Net income (GAAP)$29,163 33,679 
Non-GAAP adjustments
Add: merger, asset disposition and restructuring expense955 2,802 
Less: tax benefit of merger, asset disposition and restructuring expense(267)(785)
Adjusted net operating income (non-GAAP)$29,851 35,696 
Diluted earnings per share (GAAP)$0.23 0.26 
Diluted adjusted operating earnings per share (non-GAAP)$0.23 0.28 
Average equity$1,549,870 1,498,825 
Average assets14,408,612 14,121,496 
Annualized return on average equity (GAAP)7.57 %9.11 %
Annualized return on average assets (GAAP)0.81 %0.97 %
Annualized return on average equity, excluding merger, asset disposition and restructuring expense, net of tax (non-GAAP)7.75 %9.66 %
Annualized return on average assets, excluding merger, asset disposition and restructuring expense, net of tax (non-GAAP)0.83 %1.03 %
The following non-GAAP financial measures used by the Company provide information useful to investors in understanding our operating performance and trends, and facilitate comparisons with the performance of our peers. The following table summarizes the non-GAAP financial measures derived from amounts reported in the Company’s Consolidated Statements of Financial Condition.
March 31,
2024		December 31,
2023		March 31,
2023
Tangible common equity to assets
Total shareholders’ equity$1,552,449 1,551,317 1,513,275 
  Less: goodwill and intangible assets(385,586)(386,287)(388,648)
Tangible common equity$1,166,863 1,165,030 1,124,627 
Total assets$14,510,263 14,419,105 14,193,816 
Less: goodwill and intangible assets(385,586)(386,287)(388,648)
  Tangible assets$14,124,677 14,032,818 13,805,168 
Tangible common equity to tangible assets8.26 %8.30 %8.15 %
Tangible common equity to tangible assets, including unrealized losses on held-to-maturity investments
Tangible common equity$1,166,863 1,165,030 1,124,627 
Less: unrealized losses on held to maturity investments(120,754)(115,334)(115,677)
Add: deferred taxes on unrealized losses on held to maturity investments33,811 32,294 32,390 
Tangible common equity, including unrealized losses on held-to-maturity investments$1,079,920 1,081,990 1,041,340 
Tangible assets$14,124,677 14,032,818 13,805,168 
Tangible common equity to tangible assets, including unrealized losses on held-to-maturity investments7.65 %7.71 %7.54 %
Tangible book value per share
Tangible common equity$1,166,863 1,165,030 1,124,627 
Common shares outstanding127,253,189 127,110,453 127,065,400 
Tangible book value per share9.17 9.17 8.85 
6

Northwest Bancshares, Inc. and Subsidiaries
Reconciliation of Non-GAAP Financial Measures (Unaudited) *
(dollars in thousands, except per share amounts)

The following table summarizes the non-GAAP financial measures derived from amounts reported in the Company’s Consolidated Statements of Income.
Quarter ended
March 31,
2024		December 31,
2023		September 30,
2023		June 30,
2023		March 31,
2023
Annualized return on average tangible common equity
Net income$29,163 29,014 39,220 33,044 33,679 
Average shareholders’ equity1,549,870 1,506,895 1,515,287 1,519,990 1,498,825 
Less: average goodwill and intangible assets(386,038)(386,761)(387,523)(388,354)(389,236)
Average tangible common equity$1,163,832 1,120,134 1,127,764 1,131,636 1,109,589 
Annualized return on average tangible common equity10.08 %10.28 %13.80 %11.71 %12.31 %
Efficiency ratio, excluding amortization and merger, asset disposition and restructuring expenses
Non-interest expense$90,024 90,676 87,570 85,858 87,450 
Less: amortization expense(701)(724)(795)(842)(909)
Less: merger, asset disposition and restructuring expenses(955)(2,354)— (1,593)(2,802)
Non-interest expense, excluding amortization and merger, assets disposition and restructuring expenses$88,368 87,598 86,775 83,423 83,739 
Net interest income$103,238 106,302 108,368 108,549 112,464 
Non-interest income27,963 29,169 30,888 29,797 23,969 
Net interest income plus non-interest income$131,201 135,471 139,256 138,346 136,433 
Efficiency ratio, excluding amortization and merger, asset disposition and restructuring expenses67.35 %64.66 %62.31 %60.30 %61.38 %
Annualized non-interest expense to average assets, excluding amortization and merger, asset disposition and restructuring expense
Non-interest expense excluding amortization and merger, asset disposition and restructuring expenses$88,368 87,598 86,775 83,423 83,739 
Average assets14,408,612 14,329,020 14,379,323 14,245,917 14,121,496 
Annualized non-interest expense to average assets, excluding amortization and merger, asset disposition and restructuring expense2.47 %2.43 %2.39 %2.35 %2.40 %
*    The table summarizes the Company’s results from operations on a GAAP basis and on an operating (non-GAAP) basis for the periods indicated. Operating results exclude merger, asset disposition and restructuring expense. The net tax effect was calculated using statutory tax rates of approximately 28.0%. The Company believes this non-GAAP presentation provides a meaningful comparison of operational performance and facilitates a more effective evaluation and comparison of results to assess performance in relation to ongoing operations.
7

Northwest Bancshares, Inc. and Subsidiaries
Deposits (Unaudited)
(dollars in thousands)

Generally, deposits in excess of $250,000 are not federally insured. The following table provides details regarding the Company’s uninsured deposits portfolio:
As of March 31, 2024
BalancePercent of
total deposits		Number of relationships
Uninsured deposits per the Call Report (1)$2,806,650 23.25 %4,965 
Less intercompany deposit accounts1,019,792 8.45 %12 
Less collateralized deposit accounts408,083 3.38 %255 
Uninsured deposits excluding intercompany and collateralized accounts$1,378,775 11.42 %4,698
(1)     Uninsured deposits presented may be different from actual amounts due to titling of accounts.

Our largest uninsured depositor, excluding intercompany and collateralized deposit accounts, had an aggregate uninsured deposit balance of $19.2 million, or 0.16% of total deposits, as of March 31, 2024. Our top ten largest uninsured depositors, excluding intercompany and collateralized deposit accounts, had an aggregate uninsured deposit balance of $103.0 million, or 0.85% of total deposits, as of March 31, 2024. The average uninsured deposit account balance, excluding intercompany and collateralized accounts, was $293,000 as of March 31, 2024.

The following table provides additional details for the Company’s deposit portfolio:
As of March 31, 2024
BalancePercent of
total deposits		Number of
accounts
Personal noninterest bearing demand deposits$1,369,294 11.34 %287,824 
Business noninterest bearing demand deposits1,249,085 10.35 43,868 
Personal interest-bearing demand deposits1,427,140 11.82 57,909 
Business interest-bearing demand deposits1,130,7269.37 7,921 
Personal money market deposits1,393,532 11.54 25,156 
Business money market deposits559,005 4.63 2,805 
Savings deposits2,156,048 17.86 194,542 
Time deposits2,786,814 23.09 79,611 
Total deposits $12,071,644 100.00 %699,636

Our average deposit account balance as of March 31, 2024 was $17,000. The Company’s insured cash sweep deposit balance was $393.2 million as of March 31, 2024.

The following table provides additional details regarding the Company’s deposit portfolio over time:
9/30/202212/31/20223/31/20236/30/20239/30/202312/31/20233/31/2024
Personal noninterest bearing demand deposits$1,413,781 1,412,227 1,428,232 1,397,167 1,375,144 1,357,875 1,369,294 
Business noninterest bearing demand deposits1,680,339 1,581,016 1,467,860 1,423,396 1,399,147 1,311,148 1,249,085 
Personal interest-bearing demand deposits1,742,173 1,718,806 1,627,546 1,535,254 1,477,617 1,464,058 1,427,140 
Business interest-bearing demand deposits498,937 499,059 466,105 624,252 689,914 812,433 805,069 
Municipal demand deposits571,620 468,566 447,852 418,147 430,549 358,055 325,657 
Personal money market deposits1,949,379 1,832,583 1,626,614 1,511,652 1,463,689 1,435,939 1,393,532 
Business money market deposits627,634 624,986 701,436 642,601 579,124 532,279 559,005 
Savings deposits2,327,419 2,275,020 2,194,743 2,120,215 2,116,360 2,105,234 2,156,048 
Time deposits1,067,110 1,052,285 1,576,791 1,989,711 2,258,338 2,602,881 2,786,814 
Total deposits $11,878,392 11,464,548 11,537,179 11,662,395 11,789,882 11,979,902 12,071,644 

8

Northwest Bancshares, Inc. and Subsidiaries
Regulatory Capital Requirements (Unaudited)
(dollars in thousands)
 At March 31, 2024
 ActualMinimum capital
requirements (1)		Well capitalized
requirements 
 AmountRatioAmountRatioAmountRatio
Total capital (to risk weighted assets)      
Northwest Bancshares, Inc.$1,805,374 15.951 %$1,188,406 10.500 %$1,131,815 10.000 %
Northwest Bank1,529,840 13.529 %1,187,335 10.500 %1,130,795 10.000 %
Tier 1 capital (to risk weighted assets)    
Northwest Bancshares, Inc.1,555,043 13.739 %962,043 8.500 %905,452 8.000 %
Northwest Bank1,393,786 12.326 %961,176 8.500 %904,636 8.000 %
Common equity tier 1 capital (to risk weighted assets)    
Northwest Bancshares, Inc.1,429,393 12.629 %792,270 7.000 %735,680 6.500 %
Northwest Bank1,393,786 12.326 %791,557 7.000 %735,017 6.500 %
Tier 1 capital (leverage) (to average assets)    
Northwest Bancshares, Inc.1,555,043 10.828 %574,453 4.000 %718,066 5.000 %
Northwest Bank1,393,786 9.712 %574,060 4.000 %717,575 5.000 %
(1) Amounts and ratios include the capital conservation buffer of 2.5%, which does not apply to Tier 1 capital to average assets (leverage ratio). For further information related to the capital conservation buffer, see "Item 1. Business - Supervision and Regulation" of our 2023 Annual Report on Form 10-K.

9

Northwest Bancshares, Inc. and Subsidiaries
Marketable Securities (Unaudited)
(dollars in thousands)
March 31, 2024
Marketable securities available-for-saleAmortized costGross unrealized
holding gains		Gross unrealized
holding losses		Fair valueWeighted average duration
   Debt issued by the U.S. government and agencies:    
Due after one year through five years$20,000 — (1,204)18,796 2.65 
Due after ten years48,182— (10,260)37,922 6.13 
   Debt issued by government sponsored enterprises:
   Due after one year through five years45,987 — (5,819)40,168 4.11 
   Due after five years through ten years360 — (9)351 1.73 
   Municipal securities:
Due after one year through five years4,279 14 (426)3,867 3.79 
   Due after five years through ten years27,921 47 (1,886)26,082 6.68 
   Due after ten years53,464 — (9,142)44,322 10.81 
   Corporate debt issues:
   Due after five years through ten years8,467 — (833)7,634 5.14 
   Residential mortgage-backed agency securities:
   Fixed rate pass-through232,854 93 (26,711)206,236 6.55 
   Variable rate pass-through6,738 12 (69)6,681 3.82 
   Fixed rate agency CMOs776,087 — (147,127)628,960 5.30 
   Variable rate agency CMOs73,769 35 (814)72,990 5.01 
   Total residential mortgage-backed agency securities1,089,448 140 (174,721)914,867 5.55 
   Total marketable securities available-for-sale$1,298,108 201 (204,300)1,094,009 5.69 
Marketable securities held-to-maturity
Government sponsored
Due after one year through five years$89,472 — (11,232)78,240 3.89 
Due after five years through ten years34,987 — (5,877)29,110 5.31 
   Residential mortgage-backed agency securities:    
   Fixed rate pass-through144,158 — (21,062)123,096 5.06 
   Variable rate pass-through432 1 — 433 4.39 
   Fixed rate agency CMOs531,529 — (82,578)448,951 6.81 
   Variable rate agency CMOs529 — (6)523 4.96 
   Total residential mortgage-backed agency securities676,648 1 (103,646)573,003 6.44 
   Total marketable securities held-to-maturity$801,107 1 (120,755)680,353 6.10 

10

Northwest Bancshares, Inc. and Subsidiaries
Borrowed Funds (Unaudited)
(dollars in thousands)
March 31, 2024
AmountAverage rate
Term notes payable to the FHLB of Pittsburgh, due within one year$275,000 5.65 %
Notes payable to the FHLB of Pittsburgh, due within one year55,600 5.67 %
      Total term notes payable to the FHLB330,600 5.66 %
Collateralized borrowings, due within one year29,882 1.62 %
Collateral received, due within one year 40,301 5.08 %
Subordinated debentures, net of issuance costs114,276 4.28 %
Junior subordinated debentures129,639 7.61 %
      Total borrowed funds *$644,698 5.58 %
*    As of March 31, 2024, the Company had $3.3 billion of additional borrowing capacity available with the FHLB of Pittsburgh, including a $250.0 million overnight line of credit, which had a $55.6 million drawn balance, as well as $264.1 million of borrowing capacity available with the Federal Reserve Bank and $105.0 million with two correspondent banks.

11

Northwest Bancshares, Inc. and Subsidiaries
Analysis of Loan Portfolio by Loan Sector (Unaudited)


Commercial real estate loans outstanding
The following table provides the various loan sectors in our commercial real estate portfolio at March 31, 2024:
March 31, 2024
Property typePercent of portfolio
5 or more unit dwelling15.2 %
Nursing home12.8 
Retail building11.8 
Commercial office building - non-owner occupied9.1 
Manufacturing & industrial building5.0 
Residential acquisition & development - 1-4 family, townhouses and apartments 4.3 
Multi-use building - commercial, retail and residential4.1 
Warehouse/storage building3.9 
Multi-use building - office and warehouse3.3 
Commercial office building - owner occupied 3.3 
Other medical facility3.1 
Single family dwelling2.7 
Student housing2.2 
Hotel/motel2.1 
Agricultural real estate2.0 
2-4 family2.0 
All other13.1 
   Total100.0 %

The following table describes the collateral of our commercial real estate portfolio by state at March 31, 2024:
March 31, 2024
StatePercent of portfolio
New York33.0 %
Pennsylvania30.2 
Ohio20.3 
Indiana8.1 
All other8.4 
   Total100.0 %
12

Northwest Bancshares, Inc. and Subsidiaries
Asset Quality (Unaudited)
(dollars in thousands)
 March 31,
2024		December 31,
2023		September 30,
2023		June 30,
2023		March 31,
2023
Nonaccrual loans current:     
Residential mortgage loans$1,351 959 1,951 1,559 1,423 
Home equity loans974 871 947 1,089 1,084 
Consumer loans1,295 1,051 1,049 1,009 911 
Commercial real estate loans66,895 64,603 44,639 48,468 50,045 
Commercial loans934 1,182 1,369 995 1,468 
Total nonaccrual loans current$71,449 68,666 49,955 53,120 54,931 
Nonaccrual loans delinquent 30 days to 59 days:   
Residential mortgage loans$1,454 933 48 49 688 
Home equity loans125 174 92 37 18 
Consumer loans294 225 274 309 223 
Commercial real estate loans574 51 1,913 1,697 1,900 
Commercial loans161 139 90 855 341 
Total nonaccrual loans delinquent 30 days to 59 days$2,608 1,522 2,417 2,947 3,170 
Nonaccrual loans delinquent 60 days to 89 days:     
Residential mortgage loans$— 511 66 185 919 
Home equity loans488 347 319 363 338 
Consumer loans381 557 312 360 340 
Commercial real estate loans52 831 212 210 1,355 
Commercial loans201 56 291 245 126 
Total nonaccrual loans delinquent 60 days to 89 days$1,122 2,302 1,200 1,363 3,078 
Nonaccrual loans delinquent 90 days or more:     
Residential mortgage loans$4,304 6,324 7,695 6,290 3,300 
Home equity loans2,822 3,100 2,073 1,965 2,190 
Consumer loans2,659 3,212 2,463 2,033 2,791 
Commercial real estate loans6,931 6,488 8,416 8,575 8,010 
Commercial loans3,165 2,770 2,435 2,296 1,139 
Total nonaccrual loans delinquent 90 days or more$19,881 21,894 23,082 21,159 17,430 
Total nonaccrual loans$95,060 94,384 76,654 78,589 78,609 
Total nonaccrual loans$95,060 94,384 76,654 78,589 78,609 
Loans 90 days past due and still accruing2,452 2,698 728 532 652 
Nonperforming loans97,512 97,082 77,382 79,121 79,261 
Real estate owned, net50 104 363 371 524 
Nonperforming assets$97,562 97,186 77,745 79,492 79,785 
Nonperforming loans to total loans0.85 %0.85 %0.68 %0.70 %0.71 %
Nonperforming assets to total assets0.67 %0.67 %0.54 %0.56 %0.56 %
Allowance for credit losses to total loans1.09 %1.10 %1.10 %1.10 %1.09 %
Allowance for credit losses to nonperforming loans128.08 %129.01 %161.33 %157.26 %152.98 %

13

Northwest Bancshares, Inc. and Subsidiaries
Loans by Credit Quality Indicators (Unaudited)
(dollars in thousands)
At March 31, 2024PassSpecial
   mention *		Substandard **DoubtfulLossLoans
receivable
Personal Banking:      
Residential mortgage loans$3,370,307 — 12,541 — — 3,382,848 
Home equity loans1,191,957 — 4,650 — — 1,196,607 
Consumer loans2,113,050 — 5,317 — — 2,118,367 
Total Personal Banking6,675,314 — 22,508 — — 6,697,822 
Commercial Banking:      
Commercial real estate loans2,714,857 131,247 182,424 — — 3,028,528 
Commercial loans1,698,519 52,461 23,916 — — 1,774,896 
Total Commercial Banking4,413,376 183,708 206,340 — — 4,803,424 
Total loans$11,088,690 183,708 228,848 — — 11,501,246 
At December 31, 2023
Personal Banking:      
Residential mortgage loans$3,413,846 — 14,339 — — 3,428,185 
Home equity loans1,223,097 — 4,761 — — 1,227,858 
Consumer loans2,120,216 — 5,811 — — 2,126,027 
Total Personal Banking6,757,159 — 24,911 — — 6,782,070 
Commercial Banking:      
Commercial real estate loans2,670,510 124,116 179,384 — — 2,974,010 
Commercial loans1,637,879 6,678 14,172 — — 1,658,729 
Total Commercial Banking4,308,389 130,794 193,556 — — 4,632,739 
Total loans$11,065,548 130,794 218,467 — — 11,414,809 
At September 30, 2023
Personal Banking:      
Residential mortgage loans$3,459,251 — 13,512 — — 3,472,763 
Home equity loans1,254,985 — 3,780 — — 1,258,765 
Consumer loans2,150,464 — 4,655 — — 2,155,119 
Total Personal Banking6,864,700 — 21,947 — — 6,886,647 
Commercial Banking:
Commercial real estate loans2,632,472 123,935 166,610 — — 2,923,017 
Commercial loans1,476,833 3,690 20,086 — — 1,500,609 
Total Commercial Banking4,109,305 127,625 186,696 — — 4,423,626 
Total loans$10,974,005 127,625 208,643 — — 11,310,273 
At June 30, 2023
Personal Banking:      
Residential mortgage loans$3,483,098 — 12,059 — — 3,495,157 
Home equity loans1,272,363 — 3,699 — — 1,276,062 
Consumer loans2,196,938 — 4,124 — — 2,201,062 
Total Personal Banking6,952,399 — 19,882 — — 6,972,281 
Commercial Banking:
Commercial real estate loans2,649,535 74,170 171,519 — — 2,895,224 
Commercial loans1,377,981 3,040 22,705 — — 1,403,726 
Total Commercial Banking4,027,516 77,210 194,224 — — 4,298,950 
Total loans$10,979,915 77,210 214,106 — — 11,271,231 
At March 31, 2023
Personal Banking:      
Residential mortgage loans$3,499,135 — 6,330 — — 3,505,465 
Home equity loans1,277,915 — 3,631 — — 1,281,546 
Consumer loans2,227,379 — 4,754 — — 2,232,133 
Total Personal Banking7,004,429 — 14,715 — — 7,019,144 
Commercial Banking:
Commercial real estate loans2,585,676 69,837 171,591 — — 2,827,104 
Commercial loans1,217,344 6,381 22,298 — — 1,246,023 
Total Commercial Banking3,803,020 76,218 193,889 — — 4,073,127 
Total loans$10,807,449 76,218 208,604 — — 11,092,271 
*    Includes $2.4 million, $7.8 million, $6.9 million, $4.9 million, and $7.4 million of acquired loans at March 31, 2024, December 31, 2023, September 30, 2023, June 30, 2023, and March 31, 2023, respectively.
**    Includes $27.2 million, $20.3 million, $28.9 million, $31.2 million, and $31.9 million of acquired loans at March 31, 2024, December 31, 2023, September 30, 2023, June 30, 2023, and March 31, 2023, respectively.
14

Northwest Bancshares, Inc. and Subsidiaries
Loan Delinquency (Unaudited)
(dollars in thousands)
March 31,
2024		*December 31,
2023		*September 30,
2023		*June 30,
2023		*March 31,
2023		*
(Number of loans and dollar amount of loans)               
Loans delinquent 30 days to 59 days:  
Residential mortgage loans351 $38,502 1.1 %307 $30,041 0.9 %6 $573 — %14 $627 — %259 $26,992 0.8 %
Home equity loans113 4,608 0.4 %121 5,761 0.5 %112 4,707 0.4 %92 3,395 0.3 %111 4,235 0.3 %
Consumer loans737 9,911 0.5 %896 11,211 0.5 %733 9,874 0.5 %602 7,955 0.4 %587 6,930 0.3 %
Commercial real estate loans25 6,396 0.2 %23 3,204 0.1 %22 3,411 0.1 %13 2,710 0.1 %23 4,834 0.2 %
Commercial loans62 3,091 0.2 %59 4,196 0.3 %52 2,847 0.2 %38 15,658 1.1 %46 4,253 0.3 %
Total loans delinquent 30 days to 59 days1,288 $62,508 0.5 %1,406 $54,413 0.5 %925 $21,412 0.2 %759 $30,345 0.3 %1,026 $47,244 0.4 %
Loans delinquent 60 days to 89 days:             
Residential mortgage loans3 $70 — %69 $7,796 0.2 %56 $5,395 0.2 %52 $3,521 0.1 %23 $1,922 0.1 %
Home equity loans26 761 0.1 %37 982 0.1 %40 1,341 0.1 %31 1,614 0.1 %31 1,061 0.1 %
Consumer loans231 2,545 0.1 %322 3,754 0.2 %236 2,707 0.1 %250 2,584 0.1 %185 2,083 0.1 %
Commercial real estate loans5 807 — %9 1,031 — %13 1,588 0.1 %12 1,288 — %17 1,949 0.1 %
Commercial loans27 1,284 0.1 %16 703 — %15 981 0.1 %23 11,092 0.8 %19 1,088 0.1 %
Total loans delinquent 60 days to 89 days292 $5,467 — %453 $14,266 0.1 %360 $12,012 0.1 %368 $20,099 0.2 %275 $8,103 0.1 %
Loans delinquent 90 days or more: **               
Residential mortgage loans50 $5,813 0.2 %70 $7,995 0.2 %79 $7,695 0.2 %63 $6,290 0.2 %39 $3,300 0.1 %
Home equity loans71 2,823 0.2 %81 3,126 0.3 %73 2,206 0.2 %68 1,965 0.2 %65 2,190 0.2 %
Consumer loans398 3,345 0.2 %440 3,978 0.2 %357 3,020 0.1 %314 2,447 0.1 %313 3,279 0.1 %
Commercial real estate loans22 6,931 0.2 %27 6,712 0.2 %27 8,416 0.3 %20 8,575 0.3 %18 8,010 0.3 %
Commercial loans62 3,421 0.2 %53 2,780 0.2 %39 2,472 0.2 %38 2,414 0.2 %24 1,302 0.1 %
Total loans delinquent 90 days or more603 $22,333 0.2 %671 $24,591 0.2 %575 $23,809 0.2 %503 $21,691 0.2 %459 $18,081 0.2 %
Total loans delinquent2,183 $90,308 0.8 %2,530 $93,270 0.8 %1,860 $57,233 0.5 %1,630 $72,135 0.6 %1,760 $73,428 0.7 %
*    Represents delinquency, in dollars, divided by the respective total amount of that type of loan outstanding.
**    Includes purchased credit deteriorated loans of $446,000, $646,000, $1.4 million, $605,000, and $331,000 at March 31, 2024, December 31, 2023, September 30, 2023, June 30, 2023, and March 31, 2023, respectively.

15

Northwest Bancshares, Inc. and Subsidiaries
Allowance for Credit Losses (Unaudited)
(dollars in thousands)
Quarter ended
 March 31,
2024		December 31,
2023		September 30,
2023		June 30,
2023		March 31,
2023
Beginning balance$125,243 124,841 124,423 121,257 118,036 
ASU 2022-02 Adoption— — — — 426 
Provision4,234 3,801 3,983 6,010 4,870 
Charge-offs residential mortgage(162)(266)(171)(545)(207)
Charge-offs home equity(412)(133)(320)(235)(164)
Charge-offs consumer(4,573)(3,860)(3,085)(2,772)(2,734)
Charge-offs commercial real estate(349)(742)(484)(483)(657)
Charge-offs commercial(1,163)(806)(1,286)(1,209)(865)
Recoveries2,079 2,408 1,781 2,400 2,552 
Ending balance$124,897 125,243 124,841 124,423 121,257 
Net charge-offs to average loans, annualized0.16 %0.12 %0.13 %0.10 %0.08 %


16

Northwest Bancshares, Inc. and Subsidiaries
Average Balance Sheet (Unaudited)
(dollars in thousands) 
    The following table sets forth certain information relating to the Company’s average balance sheet and reflects the average yield on assets and average cost of liabilities for the periods indicated. Such yields and costs are derived by dividing income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances are calculated using daily averages.
 Quarter ended 
March 31, 2024December 31, 2023September 30, 2023June 30, 2023March 31, 2023
Average
balance		InterestAvg. yield/ cost (h)Average
balance		InterestAvg.
yield/
cost (h)		Average
balance		InterestAvg.
yield/
cost (h)		Average
balance		InterestAvg.
yield/
cost (h)		Average
balance		InterestAvg.
yield/
cost (h)
Assets:              
Interest-earning assets:              
Residential mortgage loans$3,392,524 32,674 3.85 %$3,442,308 32,739 3.80 %$3,476,446 32,596 3.75 %$3,485,517 32,485 3.73 %$3,493,617 32,009 3.66 %
Home equity loans1,205,273 17,294 5.77 %1,238,420 17,590 5.64 %1,264,134 17,435 5.47 %1,273,298 16,898 5.32 %1,284,425 16,134 5.09 %
Consumer loans2,033,620 25,033 4.95 %2,055,783 24,667 4.76 %2,092,023 23,521 4.46 %2,143,804 22,662 4.24 %2,123,672 20,794 3.97 %
Commercial real estate loans2,999,224 43,425 5.73 %2,950,589 43,337 5.75 %2,911,145 41,611 5.59 %2,836,443 38,426 5.36 %2,824,120 37,031 5.24 %
Commercial loans1,714,667 31,857 7.35 %1,564,617 28,801 7.20 %1,447,211 26,239 7.09 %1,326,598 22,872 6.82 %1,161,298 18,353 6.32 %
Total loans receivable (a) (b) (d)11,345,308 150,283 5.33 %11,251,717 147,134 5.19 %11,190,959 141,402 5.01 %11,065,660 133,343 4.83 %10,887,132 124,321 4.63 %
Mortgage-backed securities (c)1,717,306 7,944 1.85 %1,741,687 7,951 1.83 %1,781,010 8,072 1.81 %1,859,427 8,326 1.79 %1,909,676 8,537 1.79 %
Investment securities (c) (d)333,752 1,430 1.71 %335,121 1,425 1.70 %336,125 1,431 1.70 %374,560 1,715 1.83 %384,717 1,761 1.83 %
FHLB stock, at cost32,249 607 7.57 %35,082 665 7.52 %37,722 668 7.03 %45,505 844 7.44 %39,631 690 7.06 %
Other interest-earning deposits61,666 832 5.34 %71,987 970 5.27 %67,143 915 5.33 %46,536 594 5.05 %38,324 423 4.41 %
Total interest-earning assets13,490,281 161,096 4.80 %13,435,594 158,145 4.67 %13,412,959 152,488 4.51 %13,391,688 144,822 4.34 %13,259,480 135,732 4.15 %
Noninterest-earning assets (e)918,331 893,426 966,364 854,229 862,016 
Total assets$14,408,612   $14,329,020 $14,379,323 $14,245,917 $14,121,496 
Liabilities and shareholders’ equity:            
Interest-bearing liabilities:               
Savings deposits (g)$2,122,035 5,036 0.95 %$2,102,320 4,045 0.76 %$2,116,759 2,695 0.51 %$2,142,941 1,393 0.26 %$2,198,988 690 0.13 %
Interest-bearing demand deposits (g)2,538,823 5,402 0.86 %2,573,634 4,921 0.76 %2,569,229 4,086 0.63 %2,469,666 1,648 0.27 %2,612,883 951 0.15 %
Money market deposit accounts (g)1,961,332 7,913 1.62 %1,997,116 7,446 1.48 %2,112,228 6,772 1.27 %2,221,713 6,113 1.10 %2,408,582 4,403 0.74 %
Time deposits (g)2,697,983 29,335 4.37 %2,447,335 24,187 3.92 %2,164,559 18,136 3.32 %1,765,454 12,663 2.88 %1,293,609 5,194 1.63 %
Borrowed funds (f)469,697 5,708 4.89 %548,089 6,826 4.94 %643,518 7,937 4.89 %837,358 10,202 4.89 %740,218 7,938 4.35 %
Subordinated debt114,225 1,148 4.02 %114,134 1,148 4.02 %114,045 1,148 4.03 %113,958 1,148 4.03 %113,870 1,148 4.03 %
Junior subordinated debentures129,597 2,459 7.51 %129,532 2,512 7.59 %129,466 2,456 7.42 %129,401 2,280 6.97 %129,335 2,152 6.66 %
Total interest-bearing liabilities10,033,692 57,001 2.28 %9,912,160 51,085 2.04 %9,849,804 43,230 1.74 %9,680,491 35,447 1.47 %9,497,485 22,476 0.96 %
Noninterest-bearing demand deposits (g)2,567,781 2,675,788 2,757,091 2,820,928 2,889,973 
Noninterest-bearing liabilities257,269 234,177 257,141 224,508 235,213 
Total liabilities12,858,742   12,822,125 12,864,036 12,725,927 12,622,671   
Shareholders’ equity1,549,870 1,506,895 1,515,287 1,519,990 1,498,825 
Total liabilities and shareholders’ equity$14,408,612   $14,329,020 $14,379,323 $14,245,917 $14,121,496   
Net interest income/Interest rate spread 104,095 2.52 %107,060 2.63 %109,258 2.77 %109,375 2.87 %113,256 3.19 %
Net interest-earning assets/Net interest margin$3,456,589  3.10 %$3,523,434 3.16 %$3,563,155 3.23 %$3,711,197 3.28 %$3,761,995 3.46 %
Ratio of interest-earning assets to interest-bearing liabilities1.34X  1.36X1.36X1.38X1.40X
(a)    Average gross loans receivable includes loans held as available-for-sale and loans placed on nonaccrual status.
(b)    Interest income includes accretion/amortization of deferred loan fees/expenses, which was not material.
(c)    Average balances do not include the effect of unrealized gains or losses on securities held as available-for-sale.
(d)    Interest income on tax-free investment securities and tax-free loans are presented on a fully taxable equivalent (“FTE”) basis.
(e)     Average balances include the effect of unrealized gains or losses on securities held as available-for-sale.
(f)    Average balances include FHLB borrowings and collateralized borrowings.
(g)    Average cost of deposits were 1.61%, 1.37%, 1.07%, 0.77%, and 0.40%, respectively, and average cost of Interest-bearing deposits were 2.06%, 1.77%, 1.40%, 1.02%, and 0.54%, respectively.
(h)    Shown on a FTE basis. GAAP basis yields for the periods indicated were: Loans — 5.30%, 5.17%, 4.99%, 4.81%, and 4.61%, respectively, Investment securities — 1.54%, 1.52%, 1.52%, 1.61%, and 1.61%, respectively, Interest-earning assets — 4.78%, 4.65%, 4.48%, 4.31%, and 4.13%, respectively. GAAP basis net interest rate spreads were 2.49%, 2.60%, 2.74%, 2.84%, and 3.17%, respectively, and GAAP basis net interest margins were 3.08%, 3.14%, 3.21%, 3.25%, and 3.44%, respectively.
17
 EX-101.SCH 3 nwbi-20240422.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 0000001 - Document - Cover Page Document link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 4 nwbi-20240422_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT Written Communications Written Communications Security Exchange Name Security Exchange Name Title of 12(b) Security Title of 12(b) Security Local Phone Number Local Phone Number Trading Symbol Trading Symbol Entity Incorporation, State or Country Code Entity Incorporation, State or Country Code Entity Address, State or Province Entity Address, State or Province Pre-commencement Issuer Tender Offer Pre-commencement Issuer Tender Offer Document Period End Date Document Period End Date Cover page. [Abstract] Cover page. [Abstract] Cover page. [Abstract] Entity Emerging Growth Company Entity Emerging Growth Company Pre-commencement Tender Offer Pre-commencement Tender Offer Soliciting Material Soliciting Material City Area Code City Area Code Entity Address, Postal Zip Code Entity Address, Postal Zip Code Document Type Document Type Amendment Flag Amendment Flag Entity Central Index Key Entity Central Index Key Entity File Number Entity File Number Entity Address, City or Town Entity Address, City or Town Entity Tax Identification Number Entity Tax Identification Number Entity Address, Address Line One Entity Address, Address Line One Entity Registrant Name Entity Registrant Name EX-101.PRE 5 nwbi-20240422_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT XML 7 R1.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Cover Page Document
Apr. 22, 2024
Cover page. [Abstract]  
Document Type 8-K
Document Period End Date Apr. 22, 2024
Entity Registrant Name Northwest Bancshares, Inc.
Entity Incorporation, State or Country Code MD
Entity File Number 001-34582
Entity Tax Identification Number 27-0950358
Entity Address, Address Line One 3 Easton Oval Suite 500
Entity Address, City or Town Columbus
Entity Address, State or Province OH
Entity Address, Postal Zip Code 43219
City Area Code 814
Local Phone Number 726-2140
Title of 12(b) Security Common Stock, 0.01 Par Value
Trading Symbol NWBI
Security Exchange Name NASDAQ
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0001471265
Amendment Flag false
EXCEL 8 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 9 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 10 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 12 FilingSummary.xml IDEA: XBRL DOCUMENT 3.24.1.u1 html 1 22 1 false 0 0 false 0 false false R1.htm 0000001 - Document - Cover Page Document Sheet http://www.northwestsavingsbank.com/role/CoverPageDocument Cover Page Document Cover 1 false false All Reports Book All Reports nwbi-20240422.htm nwbi-20240422.xsd nwbi-20240422_lab.xml nwbi-20240422_pre.xml http://xbrl.sec.gov/dei/2023 true false JSON 14 MetaLinks.json IDEA: XBRL DOCUMENT { "version": "2.2", "instance": { "nwbi-20240422.htm": { "nsprefix": "nwbi", "nsuri": "http://www.northwestsavingsbank.com/20240422", "dts": { "inline": { "local": [ "nwbi-20240422.htm" ] }, "schema": { "local": [ "nwbi-20240422.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd", "https://xbrl.sec.gov/dei/2023/dei-2023.xsd" ] }, "labelLink": { "local": [ "nwbi-20240422_lab.xml" ] }, "presentationLink": { "local": [ "nwbi-20240422_pre.xml" ] } }, "keyStandard": 22, "keyCustom": 0, "axisStandard": 0, "axisCustom": 0, "memberStandard": 0, "memberCustom": 0, "hidden": { "total": 2, "http://xbrl.sec.gov/dei/2023": 2 }, "contextCount": 1, "entityCount": 1, "segmentCount": 0, "elementCount": 23, "unitCount": 0, "baseTaxonomies": { "http://xbrl.sec.gov/dei/2023": 22 }, "report": { "R1": { "role": "http://www.northwestsavingsbank.com/role/CoverPageDocument", "longName": "0000001 - Document - Cover Page Document", "shortName": "Cover Page Document", "isDefault": "true", "groupType": "document", "subGroupType": "", "menuCat": "Cover", "order": "1", "firstAnchor": { "contextRef": "c-1", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "div", "body", "html" ], "reportCount": 1, "baseRef": "nwbi-20240422.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "c-1", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "div", "body", "html" ], "reportCount": 1, "baseRef": "nwbi-20240422.htm", "first": true, "unique": true } } }, "tag": { "dei_AmendmentFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "AmendmentFlag", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Amendment Flag", "label": "Amendment Flag", "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission." } } }, "auth_ref": [] }, "dei_CityAreaCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "CityAreaCode", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "City Area Code", "label": "City Area Code", "documentation": "Area code of city" } } }, "auth_ref": [] }, "nwbi_Coverpage.Abstract": { "xbrltype": "stringItemType", "nsuri": "http://www.northwestsavingsbank.com/20240422", "localname": "Coverpage.Abstract", "lang": { "en-us": { "role": { "terseLabel": "Cover page. [Abstract]", "label": "Cover page. [Abstract]", "documentation": "Cover page. [Abstract]" } } }, "auth_ref": [] }, "dei_DocumentPeriodEndDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "DocumentPeriodEndDate", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Document Period End Date", "label": "Document Period End Date", "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD." } } }, "auth_ref": [] }, "dei_DocumentType": { "xbrltype": "submissionTypeItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "DocumentType", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Document Type", "label": "Document Type", "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'." } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine1": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressAddressLine1", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity Address, Address Line One", "label": "Entity Address, Address Line One", "documentation": "Address Line 1 such as Attn, Building Name, Street Name" } } }, "auth_ref": [] }, "dei_EntityAddressCityOrTown": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressCityOrTown", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity Address, City or Town", "label": "Entity Address, City or Town", "documentation": "Name of the City or Town" } } }, "auth_ref": [] }, "dei_EntityAddressPostalZipCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressPostalZipCode", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity Address, Postal Zip Code", "label": "Entity Address, Postal Zip Code", "documentation": "Code for the postal or zip code" } } }, "auth_ref": [] }, "dei_EntityAddressStateOrProvince": { "xbrltype": "stateOrProvinceItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressStateOrProvince", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity Address, State or Province", "label": "Entity Address, State or Province", "documentation": "Name of the state or province." } } }, "auth_ref": [] }, "dei_EntityCentralIndexKey": { "xbrltype": "centralIndexKeyItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityCentralIndexKey", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity Central Index Key", "label": "Entity Central Index Key", "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK." } } }, "auth_ref": [ "r1" ] }, "dei_EntityEmergingGrowthCompany": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityEmergingGrowthCompany", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity Emerging Growth Company", "label": "Entity Emerging Growth Company", "documentation": "Indicate if registrant meets the emerging growth company criteria." } } }, "auth_ref": [ "r1" ] }, "dei_EntityFileNumber": { "xbrltype": "fileNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityFileNumber", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity File Number", "label": "Entity File Number", "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen." } } }, "auth_ref": [] }, "dei_EntityIncorporationStateCountryCode": { "xbrltype": "edgarStateCountryItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityIncorporationStateCountryCode", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity Incorporation, State or Country Code", "label": "Entity Incorporation, State or Country Code", "documentation": "Two-character EDGAR code representing the state or country of incorporation." } } }, "auth_ref": [] }, "dei_EntityRegistrantName": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityRegistrantName", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity Registrant Name", "label": "Entity Registrant Name", "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC." } } }, "auth_ref": [ "r1" ] }, "dei_EntityTaxIdentificationNumber": { "xbrltype": "employerIdItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityTaxIdentificationNumber", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity Tax Identification Number", "label": "Entity Tax Identification Number", "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS." } } }, "auth_ref": [ "r1" ] }, "dei_LocalPhoneNumber": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "LocalPhoneNumber", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Local Phone Number", "label": "Local Phone Number", "documentation": "Local phone number for entity." } } }, "auth_ref": [] }, "dei_PreCommencementIssuerTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "PreCommencementIssuerTenderOffer", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Pre-commencement Issuer Tender Offer", "label": "Pre-commencement Issuer Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act." } } }, "auth_ref": [ "r3" ] }, "dei_PreCommencementTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "PreCommencementTenderOffer", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Pre-commencement Tender Offer", "label": "Pre-commencement Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act." } } }, "auth_ref": [ "r4" ] }, "dei_Security12bTitle": { "xbrltype": "securityTitleItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "Security12bTitle", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Title of 12(b) Security", "label": "Title of 12(b) Security", "documentation": "Title of a 12(b) registered security." } } }, "auth_ref": [ "r0" ] }, "dei_SecurityExchangeName": { "xbrltype": "edgarExchangeCodeItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "SecurityExchangeName", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Security Exchange Name", "label": "Security Exchange Name", "documentation": "Name of the Exchange on which a security is registered." } } }, "auth_ref": [ "r2" ] }, "dei_SolicitingMaterial": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "SolicitingMaterial", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Soliciting Material", "label": "Soliciting Material", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act." } } }, "auth_ref": [ "r5" ] }, "dei_TradingSymbol": { "xbrltype": "tradingSymbolItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "TradingSymbol", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Trading Symbol", "label": "Trading Symbol", "documentation": "Trading symbol of an instrument as listed on an exchange." } } }, "auth_ref": [] }, "dei_WrittenCommunications": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "WrittenCommunications", "presentation": [ "http://www.northwestsavingsbank.com/role/CoverPageDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Written Communications", "label": "Written Communications", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act." } } }, "auth_ref": [ "r6" ] } } } }, "std_ref": { "r0": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b" }, "r1": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b-2" }, "r2": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "d1-1" }, "r3": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "13e", "Subsection": "4c" }, "r4": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "14d", "Subsection": "2b" }, "r5": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Section": "14a", "Number": "240", "Subsection": "12" }, "r6": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Securities Act", "Number": "230", "Section": "425" } } } ZIP 15 0001471265-24-000067-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001471265-24-000067-xbrl.zip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end XML 17 nwbi-20240422_htm.xml IDEA: XBRL DOCUMENT 0001471265 2024-04-22 2024-04-22 0001471265 false 8-K 2024-04-22 Northwest Bancshares, Inc. MD 001-34582 27-0950358 3 Easton Oval Suite 500 Columbus OH 43219 814 726-2140 Common Stock, 0.01 Par Value NWBI NASDAQ false false false false false