Company: NWBI
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001471265-25-000137
Chunk: 78

Company: Northwest Bancshares, Inc.
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 2
Chunk 78
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352 FHLB stock, at cost(42)(138)(180)Other interest-earning deposits(147)1,029 882 Total interest-earning assets5,228 (517)4,711 Interest-bearing liabilities:   Savings deposits364 200 564 Interest-bearing demand deposits397 149 546 Money market deposit accounts315 742 1,057 Time deposits(5,989)(2,106)(8,095)Borrowed funds(488)(1,128)(1,616)Subordinated debt(4)4 — Junior subordinated debentures(347)4 (343)Total interest-bearing liabilities(5,752)(2,135)(7,887)Net change in net interest income (FTE)$10,980 1,618 12,598 

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Table of Contents

Average Balance Sheet

(in thousands)

The following table sets forth certain information relating to the Company’s average balance sheet and reflects the average yield on interest-earning assets and average cost of interest-bearing liabilities for the periods indicated. Such yields and costs are derived by dividing income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances are calculated using daily averages

. Six months ended June 30, 20252024AveragebalanceInterestAvg.yield/cost (h)AveragebalanceInterestAvg.yield/cost (h)Assets      Interest-earning assets:      Residential mortgage loans$3,123,353 60,372 3.87 %$3,367,636 64,855 3.85 %Home equity loans1,142,708 32,429 5.72 %1,194,385 34,596 5.83 %Consumer loans2,011,012 54,921 5.51 %2,041,008 51,367 5.06 %Commercial real estate loans2,858,064 99,973 6.96 %3,011,493 89,066 5.85 %Commercial loans2,077,799 73,299 7.02 %1,742,506 65,083 7.39 %Loans receivable (a) (b) (d) (includes FTE adjustments of $1,442 and $1,442, respectively)11,212