Company: NWBI
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001471265-25-000161
Chunk: 114

Company: Northwest Bancshares, Inc.
Filing Date: 2025-11-10
Form: 10-Q
Item: Item 8
Chunk 114
---
, we did not recognize any interest income on nonaccrual loans.The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2024 (in thousands): December 31, 2024 Nonaccrual loans at December 31, 2023Nonaccrual loans with an allowanceNonaccrual loans with no allowanceTotal nonaccrual loans at the end               of the periodPersonal Banking:Residential mortgage loans$8,727 6,590 361 6,951 Home equity loans4,492 3,200 132 3,332 Vehicle loans4,816 3,958 871 4,829 Consumer loans229 198 1 199 Total Personal Banking18,264 13,946 1,365 15,311 Commercial Banking:Commercial real estate loans71,297 22,813 13,370 36,183 Commercial real estate loans - owner occupied       676 784 — 784 Commercial loans4,147 7,471 1,652 9,123 Total Commercial Banking76,120 31,068 15,022 46,090 Total$94,384 45,014 16,387 61,401  During the year ended December 31, 2024, we did not recognize any interest income on nonaccrual loans.

20

Table of Contents

A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. The following table presents the amortized cost basis of collateral-dependent loans by class of loans and collateral type as of as of September 30, 2025 (in thousands): Real estateEquipmentOtherTotalCommercial Banking:   Commercial real estate loans$60,220 51 — 60,271Commercial loans7518,997 2,375 12,123Total Commercial Banking60,9719,0482,37572,394Total$60,971 9,0482,37572,394 The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2024 (in thousands): Real estateEquipmentOtherTotalCommercial Banking:Commercial real estate loans$27,907 — 339 28,246 Commercial loans