Company: NWBI
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001471265-25-000161
Chunk: 19

Company: Northwest Bancshares, Inc.
Filing Date: 2025-11-10
Form: 10-Q
Item: Item 1
Chunk 19
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 Losses - off-balance sheet exposurePersonal Banking:Residential mortgage loans$— (1)— — 1 Home equity loans59 (4)— — 63 Total Personal Banking59 (5)— — 64 Commercial Banking:Commercial real estate loans3,407 (1,043)— — 4,450 Commercial real estate loans - owner occupied159 8 — — 151 Commercial loans9,308 188 — — 9,120 Total Commercial Banking12,874 (847)— — 13,721 Total off-balance sheet exposure$12,933 (852)— — 13,785 

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Table of Contents

The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the nine months ended September 30, 2025 (in thousands):Balance as of September 30, 2025Current period provision (1)Charge-offs (2)Recoveries Initial ACL on loans purchased with credit deteriorationBalance as of December 31, 2024Allowance for Credit LossesPersonal Banking:Residential mortgage loans$11,592 (2,581)(998)553 271 14,347 Home equity loans7,375 1,811 (1,022)750 991 4,845 Vehicle loans26,498 8,284 (6,566)1,506 885 22,389 Consumer loans2,703 4,210 (4,564)1,173 1 1,883 Total Personal Banking48,168 11,724 (13,150)3,982 2,148 43,464 Commercial Banking:Commercial real estate loans69,515 23,317 (4,385)2,767 3,488 44,328 Commercial real estate loans - owner occupied5,022 1,394 (336)82 — 3,882 Commercial loans34,691 14,671 (6,563)1,045 393 25,145 Total Commercial Banking109,228 39,382 (11,284)3,894 3,881 73,355 Total$157,396 51,106 (24,434)7,876 6,029 116,819 Allowance for Credit Losses