Company: NWBI
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001471265-25-000161
Chunk: 21

Company: Northwest Bancshares, Inc.
Filing Date: 2025-11-10
Form: 10-Q
Item: Item 1
Chunk 21
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,728 125,243 Allowance for Credit Losses -  off-balance sheet exposurePersonal Banking:Residential mortgage loans$— (2)— — 2 Home equity loans59 (6)— — 65 Total Personal Banking59(8)— — 67 Commercial Banking:Commercial real estate loans3,407 (2,740)— — 6,147 Commercial real estate loans - owner occupied159 (14)— — 173 Commercial loans9,308 (1,428)— — 10,736 Total Commercial Banking12,874 (4,182)— — 17,056 Total off-balance sheet exposure$12,933 (4,190)— — 17,123 The following table presents additional information related to the acquired Penns Woods loan portfolio at the acquisition date, including the initial ACL at acquisition on the PCD loans (dollars in thousands): TotalPCD loans:Unpaid principal balance of loans at acquisition$118,528 Allowance for credit losses at acquisition (6,029)Non-credit discount at acquisition (2,798)Purchase price$109,701 

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Table of Contents

The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at September 30, 2025 (in thousands): Total loansreceivableAllowance forcredit lossesNonaccrualloansLoans 90 days past due and accruingPersonal Banking:    Residential mortgage loans$3,157,853 11,592 11,497 — Home equity loans1,520,893 7,375 6,979 — Vehicle loans2,316,692 26,498 5,570 — Consumer loans137,113 2,703 328 699 Total Personal Banking7,132,551 48,168 24,374 699 Commercial Banking:    Commercial real estate loans3,094,236 69,515 80,690 — Commercial real estate loans - owner occupied401,428 5,022 1,890 — Commercial loans2,312,718 34,691 21,371 2 Total Commercial Banking5,808,382 109,228 103,951 2 Total$12,940,933 157,396 128,