Company: NWBI
Filing Date: 2025-05-06
Form Type: 10-Q
Source: 0001471265-25-000077
Chunk: 57

Company: Northwest Bancshares, Inc.
Filing Date: 2025-05-06
Form: 10-Q
Item: Item 2
Chunk 57
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alance 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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 At March 31, 2025 Actual Minimum capital requirements (1)Well capitalized requirements (2) AmountRatioAmountRatioAmountRatioTotal capital (to risk weighted assets)      Northwest Bancshares, Inc.$1,743,294 16.46 %$1,111,756 10.50 %$1,058,816 10.00 %Northwest Bank1,504,953 14.23 %1,110,377 10.50 %1,057,502 10.00 %Tier 1 capital (to risk weighted assets)    Northwest Bancshares, Inc.1,496,161 14.13 %899,993 8.50 %635,289 6.00 %Northwest Bank1,372,608 12.98 %898,877 8.50 %846,002 8.00 %CET1 capital (to risk weighted assets)    Northwest Bancshares, Inc.1,370,251 12.94 %741,171 7.00 %N/AN/ANorthwest Bank1,372,608 12.98 %740,251 7.00 %687,376 6.50 %Tier 1 capital (leverage) (to average assets)    Northwest Bancshares, Inc.1,496,161 10.51 %569,466 4.00 %N