Company: NWBI
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001471265-25-000137
Chunk: 65

Company: Northwest Bancshares, Inc.
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 2
Chunk 65
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 and the regulatory framework for prompt corrective action, financial institutions must meet specific capital guidelines that involve quantitative measures of its assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting guidelines. Capital amounts and classifications are also subject to qualitative judgments made by the regulators about components, risk-weighting and other factors.

Applicable rules limit an organization’s capital distributions and certain discretionary bonus payments if the organization does not hold a “capital conservation buffer” consisting of 2.5% of Total, Tier 1 and Common Equity Tier 1 (“CET1”) capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements.

Quantitative measures, established by regulation to ensure capital adequacy, require financial institutions to maintain minimum amounts and ratios (set forth in the table below) of Total, CET1 and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to average assets (as defined). Capital requirements are presented in the tables below (dollars in thousands). 

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Table of Contents

 At June 30, 2025 Actual Minimum capital requirements (1)Well capitalized requirements (2) AmountRatioAmountRatioAmountRatioTotal capital (to risk weighted assets)      Northwest Bancshares, Inc.$1,756,799 16.32 %$1,130,037 10.50 %$1,076,226 10.00 %Northwest Bank1,521,646 14.15 %1,129,018 10.50 %1,075,255 10.00 %Tier 1 capital (to risk weighted assets)    Northwest Bancshares, Inc.1,507,385 14.01 %914,792 8.50 %645,735 6.00 %Northwest Bank1,387,064 12.90 %913,967 8.50 %860,204 8.00 %CET1 capital (to risk weighted assets)    Northwest Bancshares, Inc.1,381,410 12.84 %753,358 7.00 %N/AN/ANorthwest Bank1,387,064 12.90 %752,679 7.00 %698,916 6.50 %Tier 1 capital (leverage) (to average