Northwest Bank (FDIC #28178): Bank Stress & Real-Estate Credit Exposure

Northwest Bank (FDIC Cert #28178): bank stress 58/100, moderate, STABLE over 7 days; parent NORTHWEST BANCSHARES INC.

Northwest Bank (#28178) lends in 43 counties across 4 states; Northwest Bank (#28178) reaches 1,246 ZIP codes: Pennsylvania 28 counties, 840 ZIPs; Indiana 9 counties, 157 ZIPs; New York 4 counties, 182 ZIPs; Ohio 2 counties, 67 ZIPs.

Northwest Bank (#28178) largest markets: Allegheny County, PA (1,071 branches, 119 ZIPs) (#28178), Erie County, NY (1,152 branches, 72 ZIPs) (#28178), Washington County, PA (195 branches, 65 ZIPs) (#28178), Lancaster County, PA (488 branches, 61 ZIPs) (#28178), Monroe County, NY (104 branches, 52 ZIPs) (#28178), Clearfield County, PA (156 branches, 52 ZIPs) (#28178).

Northwest Bank (#28178) reports $17.21 billion in total assets; Northwest Bank (#28178) equity $2.00 billion (11.6% of Northwest Bank (#28178) assets); Northwest Bank (#28178) domestic deposits $14.39 billion; Northwest Bank (#28178) net income $112.3 million; Northwest Bank (#28178) return on assets 1.32%; Northwest Bank (#28178) return on equity 11.35%; Northwest Bank (#28178) net interest income $301.0 million; Northwest Bank (#28178) call report June 30, 2026.

Northwest Bank (#28178) noncurrent real-estate loans 0.05% of its book; Northwest Bank (#28178) residential -0.04%; Northwest Bank (#28178) net charge-offs on real estate 0.87%; Northwest Bank (#28178) multifamily charge-offs 0.12%; Northwest Bank (#28178) residential charge-offs 1.97%.

Northwest Bank (#28178) net interest margin 3.88% against an eight-quarter Northwest Bank (#28178) average of 3.80% (Northwest Bank (#28178) compression -0.08 points); Northwest Bank (#28178) real-estate loans 4.8% of equity; Northwest Bank (#28178) non-residential real estate 196.9% of equity; Northwest Bank (#28178) rate-exposure score 40/100, Northwest Bank (#28178) fixed-rate trap 40/100; Northwest Bank (#28178) risk type credit driven; Northwest Bank (#28178) rate regime rates elevated, Northwest Bank (#28178) snapshot October 20, 2026.

Northwest Bank (#28178) stress score moved from 57.2 on June 22, 2026 to 58.4 on October 20, 2026; Northwest Bank (#28178) ranged 57.2 to 58.4 over 117 snapshots.

Northwest Bank (#28178) alerts: 40 counties; top Northwest Bank (#28178) alert scores: Washington County, PA 42 (moderate); York County, PA 30 (low); Altoona County, PA 21 (low); Bloomington County, PA 21 (low); Coudersport County, PA 21 (low).