Company: NWBI
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001471265-25-000161
Chunk: 20

Company: Northwest Bancshares, Inc.
Filing Date: 2025-11-10
Form: 10-Q
Item: Item 1
Chunk 20
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 - off-balance sheet exposurePersonal Banking:Home equity loans102 40 — 62 Total Personal Banking10240 — — — 62 Commercial Banking:Commercial real estate loans2,288 (1,866)— 4,154 Commercial real estate loans - owner occupied325 165 — 160 Commercial loans7,988 (1,585)— 9,573 Total Commercial Banking10,601 (3,286)— — — 13,887 Total off-balance sheet exposure$10,703 (3,246)— — — 13,949 (1)  Includes initial day 1 allowance on non-PCD loans acquired from Penns Woods of $20.6 million(2)  Net charge-offs and associated metrics for the quarter ended September 30, 2025 exclude $18.1 million of charge-offs recognized immediately upon completion of the Penns Woods acquisition and related to required purchase accounting treatment

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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, 2024 (in thousands): Balance as of September 30, 2024Current period provisionCharge-offsRecoveriesBalance as of December 31, 2023Allowance for Credit LossesPersonal Banking:Residential mortgage loans$13,553 (5,218)(669)1,247 18,193 Home equity loans4,704 53 (1,539)787 5,403 Vehicle loans22,162 444 (6,578)1,385 26,911 Consumer loans1,869 3,610 (4,116)1,176 1,199 Total Personal Banking42,288 (1,111)(12,902)4,595 51,706 Commercial Banking:Commercial real estate loans48,613 (2,289)(1,324)959 51,267 Commercial real estate loans - owner occupied3,849 42 — 32 3,775 Commercial loans31,063 15,488 (4,062)1,142 18,495 Total Commercial Banking83,525 13,241 (5,386)2,133 73,537 Total$125,813 12,130 (18,288)6