Northwest Bank (Warren, PA): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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)
- Offices
- 165 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Northwest Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Northwest Bank, freeNorthwest Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no 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
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 161 branches →
| 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
What the public regulatory sources show for Northwest Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.7% of deposits in PA, rank 13 of 148 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Northwest Bank headquartered?
Northwest Bank is headquartered in Warren, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Northwest Bank founded?
Northwest Bank was established in 1896, per the FDIC institution directory.
Is Northwest Bank FDIC-insured?
Yes. Northwest Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Northwest Bank's CET1 capital ratio?
Northwest Bank 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?
Northwest Bank operates 165 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?
Northwest Bank's Texas Ratio is 4.99% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
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