Northwest Bank (Warren, PA)
BankRegReports is independent of Northwest Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Northwest Bank is an FDIC-insured savings bank headquartered in Warren, PA, established in 1896 (FDIC certificate 28178), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $17.21B, up 18.7% from Q2 2025, the 6th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.79% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28178
- Headquarters
- Warren, PA
- Established
- 1896
- Total assets, Q2 2026
- $17.21B
- Assets vs Q2 2025
- +18.7%
- CET1 ratio, Q2 2026
- 12.79%
- Domestic offices
- 163 FDIC institution directory, current count
- Routing number
- 243374218
- Latest call report
- Q2 2026, FFIEC 041 · Northwest Bank call report
- Holding company
- NORTHWEST BANCSHARES INC
- Asset rank in state
- 6th of 109 in Pennsylvania
Northwest Bank, based in Warren, Pennsylvania, reported $17.2 billion in assets at June 30, 2026, up 18.7% from a year earlier. It pays an average of 1.18% on its deposits and borrowings, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 1.92%). It also holds commercial real estate loans worth 1.1 times its capital, about half the median of 2.2 times for banks its size.
Earnings jumped: net income for the quarter was $58 million, 56% above the same quarter a year earlier. Its $1.3 billion non-owner-occupied commercial real estate book is improving, with 1.70% past due or on nonaccrual, down from 3.46% a year earlier.
As of June 30, 2026, Northwest Bank reported a CET1 capital ratio of 12.79%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.69% and a Texas ratio of 4.99%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Northwest Bank is the 6th largest of the 109 banks headquartered in Pennsylvania. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $17.21B, loans rose 1.3% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.5% of total loans, followed by commercial and industrial loans at 20.9%. On its Q2 2026 call report, Northwest Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Liberty St, Warren, PA 16365
- County
- Warren
- Metro Area
- Warren, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1896
- Former names
- Northwest Savings Bank (1993-2015)
- Domestic offices
- 163 FDIC institution directory, current count
- Employees (FTE)
- 2,183
- Domestic deposits
- $14.39B
- Allowance for credit losses
- $149.3M
- Net charge-offs (YTD)
- $10.1M
- Average total assets
- $17.01B
- Average total loans
- $13.10B
- Average interest-bearing deposits
- $14.70B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28178
- Fed RSSD
- 1002878
- SEC CIK
- 1471265 → filed by NORTHWEST BANCSHARES INC
- Website
- WWW.NORTHWEST.COM →
- Parent Holding Company
- NORTHWEST BANCSHARES INC (RSSD 4122722) · NWBI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Louis J Torchio | CEO | President & CEO |
| Douglas M Schosser | CFO | Chief Financial Officer |
| William W Harvey | COO | SEVP, Chief Operating Officer |
| Ballard Steven Chad | CIO | Chief Information Officer |
| Thomas K Creal Iv | CCO | Chief Credit Officer |
| Gregory J. Betchkal | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Northwest Bank's total assets moved between a low of $14.41B (Q3 2024) and a high of $17.21B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$17.21B total assets against $14.49B; $15.21B total liabilities against $12.85B.
$13.10B net loans and leases against $11.23B; $14.39B total deposits against $12.51B.
$2.46B securities against $1.91B; $263.9M cash and balances due against $290.8M.
$206.6M total interest income against $172.8M; $54.1M total interest expense against $48.8M.
$152.5M net interest income against $124.0M.
$32.3M total noninterest income against $29.5M; $103.1M total noninterest expense against $96.7M.
$6.6M provision for credit losses against $8.7M.
$57.6M net income against $36.8M.
1.35% return on assets against 1.01%; 3.85% net interest margin against 3.63%.
12.79% CET1 capital ratio against 12.90%; 9.84% tier 1 leverage ratio against 9.71%.
Inside the full Northwest Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNorthwest Bank rankings
Its closest position to the top of a national ranking is 114 of 4,196, for total assets; its furthest is 1,473 of 2,134, for CET1 ratio.
Banks merged into Northwest Bank
- The Luzerne Bank, effective July 26, 2025
- Jersey Shore State Bank, effective July 26, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.20% (Q3 2025) to 1.35% (Q2 2026) and its net interest margin ran from 3.55% (Q3 2024) to 3.90% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.79% | 1.35% | 0.69% | 4.99% | 3.85% |
| Q1 2026 | 12.94% | 1.29% | 0.70% | 5.05% | 3.76% |
| Q4 2025 | 12.75% | 1.19% | 0.83% | 6.13% | 3.83% |
| Q3 2025 | 12.58% | 0.20% | 1.00% | 7.85% | 3.75% |
| Q2 2025 | 12.90% | 1.01% | 0.91% | 7.02% | 3.63% |
| Q1 2025 | 12.98% | 1.29% | 0.53% | 4.06% | 3.90% |
| Q4 2024 | 12.63% | 0.99% | 0.69% | 5.61% | 3.63% |
| Q3 2024 | 12.49% | 1.02% | 0.69% | 5.67% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 161 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Northwest Bank (main office) | Warren , PA | 16365 | $2.23B |
| Muncie - Charles Street Branch | Muncie , IN | 47305 | $251.3M |
| Tonawanda - Sheridan Drive Branch | Buffalo , NY | 14223 | $245.5M |
| East Amherst Branch | East Amherst , NY | 14051 | $238.6M |
| Grand Island Branch | Grand Island , NY | 14072 | $232.6M |
| Depew - George Urban Boulevard Branch | Depew , NY | 14043 | $211.9M |
| Mount Joy Branch | Mount Joy , PA | 17552 | $203.4M |
| North Tonawanda - Payne Avenue Branch | North Tonawanda , NY | 14120 | $188.1M |
| St Marys Branch | Saint Marys , PA | 15857 | $185.3M |
| Buffalo - Rand Building Branch | Buffalo , NY | 14203 | $175.3M |
| Lockport Branch | Lockport , NY | 14094 | $172.2M |
| West Amherst Branch | Amherst , NY | 14228 | $171.5M |
| Meadville Branch | Meadville , PA | 16335 | $166.8M |
| Bradford Main Branch | Bradford , PA | 16701 | $155.0M |
| Erie - 26th & Peach Branch | Erie , PA | 16508 | $152.7M |
| Town of Niagara Branch | Niagara Falls , NY | 14305 | $147.1M |
| Lock Haven Branch | Lock Haven , PA | 17745 | $147.0M |
| Bellefonte Branch | Bellefonte , PA | 16823 | $145.1M |
| Titusville Branch | Titusville , PA | 16354 | $141.7M |
| Jersey Shore State Bank Branch | Williamsport , PA | 17701 | $138.8M |
| Erie - West 26th St Branch | Erie , PA | 16506 | $134.0M |
| Williamsville - Main and Transit Branch | Buffalo , NY | 14221 | $129.4M |
| Lakewood Branch | Lakewood , NY | 14750 | $129.2M |
| State College - South Atherton Branch | State College , PA | 16801 | $125.7M |
| Erie - Cook Avenue Branch | Erie , PA | 16510 | $124.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 26, 2025 | Structure Change | Acquired The Luzerne Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 25, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 25, 2020 | Structure Change | Acquired MutualBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 24, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 9, 2019 | Structure Change | Acquired Union Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2015 | Structure Change | Acquired The Lorain National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 14, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 24, 2009 | Structure Change | Acquired Keystone State Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 23, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 2007 | Structure Change | Acquired CSB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 22, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 20, 2006 | Structure Change | Acquired Maryland Permanent Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 22, 2005 | Structure Change | Acquired Equinox Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 21, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2005 | Structure Change | Acquired Jamestown Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 2004 | Structure Change | Acquired First Carnegie Deposit Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 12, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 11, 2004 | Structure Change | Acquired Leeds Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 10, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 20, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2003 | Structure Change | Acquired Bell Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 2002 | Structure Change | Acquired Prestige Bank, A Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 27, 2001 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| April 27, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 22, 1998 | Structure Change | Acquired Corry Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 21, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 1997 | Structure Change | Acquired Bridgeville Savings Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 13, 1996 | Structure Change | Acquired The First National Bank of Centre Hall Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 30, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 30, 1996 | Structure Change | Acquired First Federal Savings Bank of Kane Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 9, 1992 | Structure Change | Acquired American Federal Savings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 1990 | Structure Change | Acquired Steitz Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 2, 1990 | Structure Change | Acquired Horizon Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 2, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 3, 1985 | Structure Change | Acquired Bakerstown Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1984 | Structure Change | Acquired Mutual Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 1983 | Structure Change | Acquired Ridgway Federal Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 46 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.7% of deposits in PA, rank 13 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,918 applications, 4,158 loans originated, $560.4M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 139 loans, $135.4M approved, $974K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Northwest Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Northwest Bank
What are Northwest Bank's total assets?
As of the Q2 2026 filing, Northwest Bank reported total assets of $17.21 billion in its FFIEC call report.
Where is Northwest Bank headquartered?
It is headquartered in Warren, PA, United States.
When was Northwest Bank founded?
It was established in 1896, per the FDIC institution directory.
Is Northwest Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northwest Bank?
Northwest Bank's primary federal regulator is the FDIC.
What is Northwest Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Northwest Bank operate?
It operates 163 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northwest Bank's Texas Ratio?
Its Texas Ratio is 4.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Northwest Bank previously called?
The charter now named Northwest Bank has also operated as Northwest Savings Bank (1993-2015), per FDIC structure-change records.
Go deeper on Northwest Bank.
Get an email when Northwest Bank files its next call report, and benchmark it against any peer you choose.
Unlock Northwest Bank, freeFree account