Company: NWBI
Filing Date: 2025-02-25
Form Type: 10-K
Source: 0001471265-25-000016
Chunk: 114

Company: Northwest Bancshares, Inc.
Filing Date: 2025-02-25
Form: 10-K
Item: Item 1B
Chunk 114
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 in the same period by $30 million, representing a one-year gap ratio of 0.21%.

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The following table sets forth, on a carrying value basis, the amounts of interest-earning assets and interest-bearing liabilities outstanding at December 31, 2024, which are expected to re-price or mature, based upon certain assumptions, in each of the future time periods shown. Except as stated below, the amounts of assets and liabilities shown that re-price or mature during a particular period were determined in accordance with the earlier of the term of re-pricing or the contractual term of the asset or liability. We believe that these assumptions approximate the standards used in the financial services industry and consider them appropriate and reasonable.

 Amounts maturing or re-pricing Within1 yearOver 1-3 yearsOver 3-5 yearsOver 5-10 yearsOver 10 yearsTotal (Dollars in thousands)Rate-sensitive assets:      Interest-earning deposits$184,264 — — — — 184,264 Mortgage-backed securities:Fixed-rate221,194 379,645 267,350 439,545 257,745 1,565,479 Variable-rate49,352 — — — — 49,352 Investment securities7,284 41,952 111,682 61,245 22,536 244,699 Mortgage loans:Adjustable-rate28,076 11,935 42,733 12,071 29 94,844 Fixed-rate301,506 563,189 512,980 1,039,564 659,026 3,076,265 Home equity loans:Adjustable-rate423,282 — — — — 423,282 Fixed-rate146,859 242,853 178,705 148,734 5,009 722,160 Consumer loans777,908 989,699 154,749 2,744 15,256 1,940,356 Commercial real estate loans2,051,832 632,829 137,318 9,262 22,339 2,853,580 Commercial loans1,444,952 445,655 96,703 6,523 15,731 2,009,564 Total rate-sensitive assets5,636,509