Company: NWBI
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001471265-25-000137
Chunk: 69

Company: Northwest Bancshares, Inc.
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 2
Chunk 69
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Residential mortgage loans$6,905 4,931 Home equity loans1,879 2,250 Vehicle loans2,779 3,191 Other consumer loans707 776 Commercial real estate loans41,830 7,702 Commercial real estate - owner occupied45 — Commercial loans10,433 7,335 Total loans 90 days or more past due$64,578 26,185 Total real estate owned (REO)$48 35 Total loans 90 days or more past due and REO64,626 26,220 Total loans 90 days or more past due to net loans receivable0.58 %0.23 %Total loans 90 days or more past due and REO to total assets0.45 %0.18 %Nonperforming assets:Nonaccrual loans - loans 90 days or more past due64,085 25,529 Nonaccrual loans - loans less than 90 days past due38,309 35,872 Loans 90 days or more past due still accruing493 656 Total nonperforming loans102,887 62,057 Other nonperforming assets (1)— 16,102 Total nonperforming assets$102,935 78,194 Total nonaccrual loans to total loans0.90 %0.55 %

 (1)    Other nonperforming assets includes nonaccrual loans held for sale.

Allowance for Credit Losses 

On an ongoing basis, the Credit Administration department, as well as loan officers and department heads, review and monitor the loan portfolio for problem loans. This portfolio monitoring includes a review of the monthly delinquency reports as well as historical comparisons and trend analysis. Personal and small business commercial loans are classified primarily by delinquency status. In addition, a meeting is held every quarter with each vertical to monitor the performance and status of commercial loans on an internal watch list. On an on-going basis, the loan officer, in conjunction with a portfolio manager, grades or classifies problem commercial loans or potential problem commercial loans based upon their knowledge of the lending relationship and other information previously accumulated. This rating is also reviewed independently by our Loan Review department on a periodic basis. Our loan grading system for problem commercial loans is consistent with industry regulatory guidelines which classifies loans as “substandard”, “doubtful” or “loss”. Loans that do not