Northwest Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.7% to $630.7M. Northwest Bank ranks 48th of 72 Pennsylvania banks on CET1 ratio, in the lower half at 12.79% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio; Northwest Bank reported 12.79% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.79% |
| Tier 1 risk-based capital ratio | 12.79% |
| Total risk-based capital ratio | 14.04% |
| Tier 1 leverage ratio | 9.84% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.63B |
| Tier 1 capital | $1.63B |
| Total risk-based capital | $1.79B |
| Total equity capital | $2.00B |
| Risk-weighted assets | $12.74B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.60% |
| Tangible equity to tangible assets | 9.08% |
| Equity capital to average assets | 11.74% |
| Internal capital growth rate | 4.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.7M |
| Common stock surplus | $1.44B |
| Retained earnings | $630.7M |
| Preferred stock and surplus | $105K |
| Accumulated other comprehensive income | -$82.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.09% | 13.09% | 14.29% | 9.66% | $10.60B |
| Q4 2023 | 12.94% | 12.94% | 14.17% | 9.70% | $10.73B |
| Q1 2024 | 12.88% | 12.88% | 14.13% | 9.71% | $10.82B |
| Q2 2024 | 13.13% | 13.13% | 14.38% | 9.74% | $10.69B |
| Q3 2024 | 12.49% | 12.49% | 13.74% | 9.37% | $10.63B |
| Q4 2024 | 12.63% | 12.63% | 13.81% | 9.50% | $10.62B |
| Q1 2025 | 12.98% | 12.98% | 14.23% | 9.65% | $10.58B |
| Q2 2025 | 12.90% | 12.90% | 14.15% | 9.71% | $10.75B |
| Q3 2025 | 12.58% | 12.58% | 13.83% | 9.76% | $12.13B |
| Q4 2025 | 12.75% | 12.75% | 14.01% | 9.77% | $12.39B |
| Q1 2026 | 12.94% | 12.94% | 14.19% | 9.71% | $12.39B |
| Q2 2026 | 12.79% | 12.79% | 14.04% | 9.84% | $12.74B |
Northwest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwest Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28178) · FFIEC NIC profile (RSSD 1002878)