Company: NWBI
Filing Date: 2025-02-20
Form Type: S-4/A
Source: 0001193125-25-030716
Chunk: 18

Company: Northwest Bancshares, Inc.
Filing Date: 2025-02-20
Form: S-4/A
Chunk 18
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 Reserve”). Northwest was incorporated under the laws of
the State of Maryland in 2009 to be the successor corporation to Northwest Bancorp, Inc., the former stock holding company for Northwest Bank, upon completion of the
mutual-to-stock conversion of Northwest Bancorp, MHC. Northwest operates principally through its wholly-owned subsidiary, Northwest Bank, a Pennsylvania-chartered
savings bank which was first chartered in 1896, with 130 full-service financial centers and 11 free standing drive-through facilities in Pennsylvania, New York, Ohio and Indiana. Northwest Bank provides a complete line of business and personal
banking products, employee benefits and wealth management services, as well as business and personal insurance products and services. Northwest Bank’s principal sources of funds are personal and business deposits, borrowed funds and the
principal and interest payments on loans and marketable securities.

Northwest’s primary business activities are conducted through
Northwest Bank, a full-service community bank. Northwest Bank, as a Pennsylvania-chartered savings bank, is subject to regulation, examination and oversight by the Federal Deposit Insurance Corporation (“FDIC”), Pennsylvania Department of
Banking and Securities (the “DoBS”), and the Consumer Financial Protection Bureau (the “CFPB”). Northwest Bank’s products and services include traditional banking products, such as deposit accounts, lending products and
trust services. Northwest Bank provides services through traditional branch offices, ATMs and mobile and internet-based banking. Brokerage services are offered exclusively through an unaffiliated registered broker-dealer located at Northwest
Bank’s offices. Northwest also makes available credit cards to consumers and businesses, as well as merchant credit card processing services, through joint marketing arrangements with third parties.

Northwest Bank has three active, wholly-owned subsidiaries: Great Northwest Corporation, Northwest Capital Group, Inc., and Mutual Federal
Interest Corporation. Great Northwest Corporation holds equity investments in government-assisted, low-income housing projects in various locations throughout Northwest’s market area. Northwest Capital
Group, Inc.’s principal activity is to own, operate and ultimately divest of properties that were acquired in foreclosure. Mutual Federal Interest Corporation, which is a Nevada corporation, holds and manages a portion of the Northwest Bank
investment portfolio and consumer closed-end first mortgage loans.

8

At September 30, 2024, Northwest had total assets of approximately $14.4 billion,
total loans of approximately $11.3 billion, total deposits of approximately $12.1 billion, and total stockholders’ equity of approximately $1.6 billion.

Northwest’s common