Company: NWBI
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001471265-25-000137
Chunk: 111

Company: Northwest Bancshares, Inc.
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 8
Chunk 111
---
in thousands):  Current30-59 daysdelinquent60-89 daysdelinquent90 days orgreaterdelinquentPersonal Banking:Residential mortgage loans$492 — — 5 Home equity loans533 90 12 — Consumer loans2 — — — Total Personal Banking1,027 90 12 5 Commercial Banking:Commercial real estate loans29,974 — — — Commercial real estate loans - owner occupied697 — — — Commercial loans10 5 — 25 Total Commercial Banking30,681 5 — 25 Total loans$31,708 95 12 30 A modification is considered to be in default when the loan is 90 days or more past due. The following table provides the amortized cost basis of financing receivables that had a payment default during the periods indicated and were modified within the previous twelve months to borrowers experiencing financial difficulty (in thousands): For the quarter ended June 30,20252024Term extensionPayment delayTerm extensionPersonal Banking:Residential mortgage loans$— $183 5Home equity loans10 — 0Total Personal Banking10 183 5Commercial Banking:Commercial loans— 1,718 25 Total Commercial Banking— 1,718 25 Total$10 1,901 30 The modifications to borrowers experiencing financial distress are included in their respective portfolio segment and the current loan balance and updated loan terms are run through their respective ACL models to arrive at the quantitative portion of the ACL.  Subsequent performance of the loans will be measured by delinquency status and will be captured through our ACL models or our qualitative factor assessment, as deemed appropriate. If we no longer believe the loan demonstrates similar risks to their respective portfolio segment an individual assessment will be performed.  Upon the Company's determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.  

19

Table of Contents

The following table provides information related to the amortized cost basis of loan payment delinquencies at June 30, 2025 (in thousands): 30-59 daysdelinquent60-89 daysdelinquent90 days