Northwest Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.83 percentage points lower than in Q1 2026, at 111.25%. Northwest Bank ranks 39th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 92.07% (Q2 2026). Northwest Bank reported 92.07% on loan-to-deposit ratio for Q2 2026, 5.19 points above the 86.87% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.24B |
| Net loans and leases | $13.10B |
| Loans held for sale | $15.4M |
| Loans to total assets | 76.98% |
| Loan-to-deposit ratio | 92.07% |
| Net loans to equity capital | 6.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.01% |
| Multifamily (5+ residential) | 3.52% |
| Commercial and industrial | 20.89% |
| Consumer | 21.32% |
| Credit cards | 0.32% |
| Farm | 0.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 111.25% |
| Construction concentration (Tier 1 capital + allowance) | 8.01% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.60% |
| Interest income on loans | $183.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $11.31B | $12.13B | 17.40% | 12.95% | 18.96% |
| Q4 2023 | $11.42B | $12.34B | 17.66% | 14.27% | 18.54% |
| Q1 2024 | $11.50B | $12.43B | 17.48% | 15.13% | 18.34% |
| Q2 2024 | $11.36B | $12.41B | 17.89% | 15.07% | 18.23% |
| Q3 2024 | $11.31B | $12.37B | 18.10% | 16.43% | 17.58% |
| Q4 2024 | $11.26B | $12.45B | 18.11% | 17.62% | 17.63% |
| Q1 2025 | $11.29B | $12.51B | 17.80% | 18.33% | 18.34% |
| Q2 2025 | $11.35B | $12.51B | 17.20% | 18.68% | 19.35% |
| Q3 2025 | $12.96B | $13.93B | 17.01% | 16.92% | 18.80% |
| Q4 2025 | $13.03B | $14.16B | 17.67% | 18.56% | 19.59% |
| Q1 2026 | $13.07B | $14.43B | 16.04% | 19.79% | 20.27% |
| Q2 2026 | $13.24B | $14.39B | 15.01% | 20.89% | 21.32% |
Northwest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwest Bank, freeSource: Call Report Schedule RC-C, 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)