Northwest Bancshares, Inc. (NWBI): Business Model Canvas

Northwest Bancshares, Inc. (NWBI) repräsentiert ein dynamisches Finanzinstitut, das sich mithilfe eines sorgfältig ausgearbeiteten Geschäftsmodells strategisch durch die komplexe Bankenlandschaft navigiert. Durch die Verbindung traditioneller Community-Banking-Prinzipien mit modernster digitaler Innovation hat sich NWBI als vielseitiger Finanzdienstleister positioniert, der unterschiedliche Kundensegmente in Pennsylvania und Ohio bedient. Dieser umfassende Ansatz ermöglicht es der Bank, personalisierte Banklösungen bereitzustellen, technologische Fortschritte zu nutzen und starke lokale Beziehungen aufrechtzuerhalten und gleichzeitig mehrere Einnahmequellen zu generieren, die nachhaltiges Wachstum und Kundenzufriedenheit fördern.

Northwest Bancshares, Inc. (NWBI) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Finanzinstitute für kollaborative Bankdienstleistungen

Seit dem vierten Quartal 2023 unterhält Northwest Bancshares strategische Partnerschaften mit 47 lokalen und regionalen Finanzinstituten in Pennsylvania, Ohio und New York.

Partnerschaftstyp	Anzahl der Institutionen	Kollaborative Dienste
Gemeinsame Banknetzwerke	23	Geldautomaten- und Transaktionsdienste
Interbank-Kreditverträge	12	Kreditfazilitätsbörsen
Regionale Kooperationsplattformen	12	Digitale Banking-Infrastruktur

Versicherungsanbieter für integrierte Finanzproduktangebote

Northwest Bancshares arbeitet mit 8 Erstversicherungsanbietern zusammen, um umfassende Finanzprodukte anzubieten.

• Bundesweite Versicherungspartnerschaft
• State Farm-Kooperationsvereinbarung
• Liberty Mutual Financial Integration
• Co-Marketing-Vereinbarung für Reiseversicherungen

Technologieanbieter, die digitale Banking-Plattformen unterstützen

Im Jahr 2023 investierte Northwest Bancshares 12,3 Millionen US-Dollar in Technologiepartnerschaften mit Anbietern digitaler Banklösungen.

Technologiepartner	Investitionsbetrag	Primärer Dienst
Fiserv-Lösungen	5,7 Millionen US-Dollar	Kernbankensoftware
Jack Henry & Mitarbeiter	3,9 Millionen US-Dollar	Digitale Banking-Plattform
Temenos Group AG	2,7 Millionen US-Dollar	Cloud-Banking-Technologie

Netzwerke kleiner Unternehmen und Organisationen zur Gemeindeentwicklung

Northwest Bancshares arbeitet aktiv mit 62 Kleinunternehmensnetzwerken in seinen Geschäftsregionen zusammen.

• Small Business Administration (SBA)-Partnerschaft
• Kooperationen mit der örtlichen Handelskammer
• Gemeinschaftliche Wirtschaftsentwicklungsräte
• Regionale Netzwerke zur Unterstützung des Unternehmertums

Hypotheken- und Kreditdienstleister

Die Bank unterhält Partnerschaften mit 15 Hypotheken- und Kreditdienstleistern und ermöglicht so die Aufnahme von Krediten in Höhe von 487 Millionen US-Dollar im Jahr 2023.

Kreditpartner	Kreditvolumen	Spezialisierung
Kredite beschleunigen	156 Millionen Dollar	Wohnhypotheken
Wells Fargo Hypothek	122 Millionen Dollar	Refinanzierungsdienstleistungen
PennyMac Financial	98 Millionen Dollar	Nicht konforme Kredite
Andere Anbieter	111 Millionen Dollar	Vielfältige Kreditlösungen

Northwest Bancshares, Inc. (NWBI) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im vierten Quartal 2023 betreibt Northwest Bancshares 164 Community-Banking-Filialen in Pennsylvania, Ohio, New York und Indiana. Die Gesamtaktiva belaufen sich auf 47,4 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Privatkundenkonten	23,6 Milliarden US-Dollar
Kommerzielle Bankdarlehen	14,2 Milliarden US-Dollar
Banking für kleine Unternehmen	3,8 Milliarden US-Dollar

Einlagen- und Kreditproduktmanagement

Northwest Bancshares verwaltet ein vielfältiges Finanzproduktportfolio.

• Gesamteinlagen: 40,1 Milliarden US-Dollar
• Nettozinsertrag: 535,2 Millionen US-Dollar
• Zusammensetzung des Kreditportfolios:
  • Gewerbeimmobilien: 42 %
  • Wohnhypotheken: 33 %
  • Verbraucherkredite: 25 %

Entwicklung einer digitalen Banking-Plattform

Digitale Bankkanäle verarbeiteten im Jahr 2023 Transaktionen im Wert von 12,7 Milliarden US-Dollar.

Digitaler Kanal	Benutzerinteraktion
Mobile-Banking-Benutzer	387,000
Online-Banking-Konten	542,000
Digitales Transaktionsvolumen	12,7 Milliarden US-Dollar

Risikomanagement und Compliance-Überwachung

Zuweisung des Compliance-Budgets: 24,3 Millionen US-Dollar im Jahr 2023.

• Mitarbeiter zur Einhaltung gesetzlicher Vorschriften: 87 Fachleute
• Investition in Compliance-Technologie: 5,6 Millionen US-Dollar
• Abdeckung des Risikomanagement-Rahmenwerks:
  • Kreditrisiko
  • Operationelles Risiko
  • Marktrisiko
  • Liquiditätsrisiko

Kundenbeziehungs- und Finanzberatungsdienste

Finanzberatungsdienste erwirtschafteten im Jahr 2023 einen Umsatz von 127,5 Millionen US-Dollar.

Beratungsdienst	Einnahmen
Vermögensverwaltung	82,3 Millionen US-Dollar
Anlageberatung	45,2 Millionen US-Dollar

Northwest Bancshares, Inc. (NWBI) – Geschäftsmodell: Schlüsselressourcen

Filialnetz

Ab dem vierten Quartal 2023 ist Northwest Bancshares in Betrieb Insgesamt 168 Bankfilialen quer:

• Pennsylvania: 112 Filialen
• Ohio: 56 Filialen

Ressourcenkategorie	Spezifische Vermögenswerte	Menge/Wert
Physische Vermögenswerte	Gesamtzahl der Bankfilialen	168
Finanzielle Ressourcen	Gesamtvermögen	14,5 Milliarden US-Dollar (31. Dezember 2023)
Digitale Infrastruktur	Online-Banking-Plattformen	Mobile- und Web-Banking-Dienste

Digitale Banking-Infrastruktur

Northwest Bancshares bietet umfassende digitale Bankdienstleistungen einschließlich:

• Mobile-Banking-Anwendung
• Online-Kontoverwaltung
• Digitale Zahlungssysteme
• Fernerfassung von Einzahlungen

Personalwesen

Ab 2023 beschäftigt Northwest Bancshares rund 1.200 Fachkräfte in seinen operativen Regionen.

Finanztechnologiesysteme

Zu den Investitionen in Technologieplattformen gehören:

• Fortschrittliche Cybersicherheitsinfrastruktur
• Cloudbasierte Banksysteme
• Automatisierte Risikomanagement-Tools

Kundendatenbank

Northwest Bancshares behauptet über 250.000 Kundenkonten in allen Privat- und Geschäftsbanksegmenten.

Northwest Bancshares, Inc. (NWBI) – Geschäftsmodell: Wertversprechen

Community-orientierte Banking-Lösungen

Im vierten Quartal 2023 betreibt Northwest Bancshares 164 Community-Banking-Filialen in Pennsylvania, Ohio, New York und Indiana. Das gemeldete Gesamtvermögen belief sich auf 24,3 Milliarden US-Dollar.

Geografische Präsenz	Anzahl der Filialen	Gesamtvermögen der Gemeinschaft
Pennsylvania	98	14,7 Milliarden US-Dollar
Ohio	33	5,2 Milliarden US-Dollar
New York	22	3,4 Milliarden US-Dollar
Indiana	11	1,0 Milliarden US-Dollar

Persönlicher Kundenservice

Die Kundendienstkennzahlen für 2023 zeigten:

• Durchschnittliche Kundenzufriedenheitsbewertung: 4,3/5
• Durchschnittliche Antwortzeit für Kundenanfragen: 2,1 Stunden
• Verfügbarkeit des digitalen Kundensupports: 24/7

Wettbewerbsfähige Zinssätze

Zinssätze für Primärbankprodukte ab Januar 2024:

Produkt	Zinssatz
Persönliches Sparkonto	3.25%
Geldmarktkonto	4.10%
Persönliches Girokonto	1.50%
Hypothekendarlehen für Eigenheime	6.75%

Umfassende Erfahrung im digitalen Banking

Digital-Banking-Statistiken für 2023:

• Mobile-Banking-Nutzer: 215.000
• Online-Banking-Transaktionen: 3,6 Millionen monatlich
• Verfügbarkeit der digitalen Plattform: 99,98 %

Lokale Entscheidungsfindung und beziehungsbasiertes Banking

Kennzahlen zur lokalen Kreditvergabe und zum Relationship-Banking:

Kreditkategorie	Gesamtvolumen	Lokaler Entscheidungsprozentsatz
Kredite für kleine Unternehmen	872 Millionen US-Dollar	92%
Gewerbeimmobilien	1,3 Milliarden US-Dollar	88%
Agrarkredite	246 Millionen Dollar	95%

Northwest Bancshares, Inc. (NWBI) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankberatung

Northwest Bancshares bietet ab 2024 über seine 163 Filialen in Pennsylvania, Ohio, New York und Indiana personalisierte Bankberatungen an.

Beratungstyp	Durchschnittliche Dauer	Kundenzufriedenheitsrate
Persönliche Kontoberatung	45 Minuten	87.6%
Beratung zum Geschäftskonto	60 Minuten	92.3%

Online- und Mobile-Banking-Unterstützung

Northwest Bancshares bietet digitale Bankdienstleistungen mit den folgenden Kennzahlen an:

• Downloads von Mobile-Banking-Apps: 124.567
• Aktive Online-Banking-Nutzer: 276.890
• Digitales Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen

Community-Engagement-Programme

Die Bank behauptet aktive gemeinschaftliche Investitionsprogramme mit folgenden Eigenschaften:

Programmkategorie	Jährliche Investition	Anzahl der betreuten Gemeinden
Lokale Gemeinschaftsentwicklung	2,3 Millionen US-Dollar	48 Gemeinden
Unterstützung für kleine Unternehmen	1,7 Millionen US-Dollar	36 lokale Unternehmensnetzwerke

Dedizierte Kundendienstkanäle

Die Kundensupport-Infrastruktur umfasst:

• Telefonsupport rund um die Uhr: 3 Callcenter
• Durchschnittliche Antwortzeit: 2,4 Minuten
• Kundendienstmitarbeiter: 412 Mitarbeiter

Beziehungsmanagement für Geschäfts- und Privatkonten

Northwest Bancshares bietet spezialisierte Beziehungsmanagementdienste:

Kontotyp	Gesamtkonten	Engagierte Beziehungsmanager
Persönliche Konten	287,456	156 Manager
Geschäftskonten	42,789	89 Manager

Northwest Bancshares, Inc. (NWBI) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Ab 2024 betreibt Northwest Bancshares, Inc. 142 physische Filialen, hauptsächlich in Pennsylvania, Ohio, New York und Indiana.

Staat	Anzahl der Filialen
Pennsylvania	89
Ohio	31
New York	15
Indiana	7

Online-Banking-Plattform

Northwest Bancshares bietet eine umfassende Online-Banking-Plattform mit den folgenden Funktionen:

• Kontoverwaltung
• Rechnungszahlungsdienste
• Geldtransfers
• Transaktionsverlauf
• E-Kontoauszüge

Mobile-Banking-Anwendung

Die mobile App der Bank unterstützt über 75.000 aktive Mobile-Banking-Nutzer mit Funktionen wie:

• Mobile Scheckeinzahlung
• Kontobenachrichtigungen
• Kartenloses Abheben am Geldautomaten
• Sofortige Geldüberweisungen

Telefonbanking-Dienste

Northwest Bancshares bietet rund um die Uhr Telefonbanking über ein spezielles Kundendienstzentrum an, das rund um die Uhr betreut 42.000 Kundeninteraktionen monatlich.

ATM-Netzwerk

Geldautomatentyp	Gesamtzahl
Bankeigene Geldautomaten	168
Gemeinsam genutzte Netzwerk-Geldautomaten	387
Vollständiger Zugang zu Geldautomaten	555

Northwest Bancshares, Inc. (NWBI) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im vierten Quartal 2023 betreut Northwest Bancshares etwa 235.000 Privatkunden in Pennsylvania, Ohio, New York und Massachusetts.

Kundendemografie	Prozentsatz
Persönliche Girokonten	42%
Persönliche Sparkonten	33%
Junge erwachsene Kunden (18–35)	22%

Kleine bis mittlere Unternehmen

Northwest Bancshares unterstützt 15.750 kleine und mittlere Geschäftskunden mit spezialisierten Finanzdienstleistungen.

• Geschäftskreditportfolio: 487 Millionen US-Dollar
• Durchschnittliche Höhe eines Geschäftskredits: 129.000 $
• Geschäftsbankkunden nach Branche

Industriesektor	Prozentsatz der Geschäftskunden
Einzelhandel	24%
Professionelle Dienstleistungen	19%
Gesundheitswesen	16%

Lokale Handelsunternehmen

Northwest Bancshares betreut 3.200 lokale Gewerbekunden mit einem Gesamtkreditvolumen von 752 Millionen US-Dollar im Jahr 2023.

Privat- und Geschäftsinvestoren

Das Segment der Wertpapierdienstleistungen umfasst 47.500 Anlagekonten mit einem verwalteten Gesamtvermögen von 1,3 Milliarden US-Dollar.

Art des Anlagekontos	Anzahl der Konten
Altersvorsorgekonten	28,500
Maklerkonten	12,000
Vermögensverwaltung	7,000

Gemeinschaftsorganisationen und gemeinnützige Organisationen

Northwest Bancshares unterstützt 620 Gemeinschaftsorganisationen mit spezialisierten gemeinnützigen Bankdienstleistungen.

• Gesamtportfolio gemeinnütziger Banken: 95 Millionen US-Dollar
• Durchschnittlicher Wert des gemeinnützigen Kontos: 153.225 $

Northwest Bancshares, Inc. (NWBI) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Für das Geschäftsjahr 2023 meldete Northwest Bancshares Gesamtkosten für den Filialbetrieb in Höhe von 94,3 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Miete und Belegung	38,600,000
Dienstprogramme	12,700,000
Wartung	15,200,000
Sicherheit	7,800,000

Wartung der Technologieinfrastruktur

Northwest Bancshares investierte 42,6 Millionen US-Dollar in der Wartung der Technologieinfrastruktur im Jahr 2023.

• IT-System-Upgrades: 18,2 Millionen US-Dollar
• Investitionen in Cybersicherheit: 14,5 Millionen US-Dollar
• Digitale Banking-Plattform: 9,9 Millionen US-Dollar

Vergütung und Zusatzleistungen für Mitarbeiter

Die gesamten mitarbeiterbezogenen Ausgaben beliefen sich im Jahr 2023 auf 213,4 Millionen US-Dollar.

Vergütungskomponente	Betrag ($)
Grundgehälter	156,800,000
Krankenversicherung	31,600,000
Altersvorsorgeleistungen	25,000,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Aufwendungen für die Einhaltung gesetzlicher Vorschriften beliefen sich auf insgesamt 37,2 Millionen US-Dollar im Jahr 2023.

• Rechts- und Beratungskosten: 22,5 Millionen US-Dollar
• Compliance-Software: 8,7 Millionen US-Dollar
• Schulungsprogramme: 6 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 erreichten 23,8 Millionen US-Dollar.

Marketingkanal	Betrag ($)
Digitales Marketing	9,600,000
Traditionelle Werbung	7,200,000
Gemeinschaftspatenschaften	4,500,000
Kundengewinnungsprogramme	2,500,000

Northwest Bancshares, Inc. (NWBI) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 meldete Northwest Bancshares einen Nettozinsertrag von 475,4 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo
Gewerbeimmobilien	3,2 Milliarden US-Dollar
Wohnimmobilien	2,7 Milliarden US-Dollar
Gewerbliche Kredite	1,5 Milliarden US-Dollar
Verbraucherkredite	687 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Die Servicegebühren auf Einlagenkonten generierten im Jahr 2023 Einnahmen in Höhe von 42,3 Millionen US-Dollar.

Einnahmen aus der Hypothekenvergabe

Die Einnahmen aus dem Hypothekenbankgeschäft beliefen sich im Jahr 2023 auf insgesamt 18,6 Millionen US-Dollar, mit:

• Vergabevolumen für Hypothekendarlehen: 412 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 287.000 $

Provisionen für Anlageprodukte

Die Einnahmen aus Investment- und Versicherungsdienstleistungen beliefen sich im Jahr 2023 auf 22,1 Millionen US-Dollar und setzten sich zusammen aus:

• Vermögensverwaltungsgebühren: 14,7 Millionen US-Dollar
• Maklerprovisionen: 7,4 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banktransaktionen beliefen sich im Jahr 2023 auf 9,7 Millionen US-Dollar, wobei:

• Online-Banking-Nutzer: 187.000
• Mobile-Banking-Nutzer: 156.000
• Durchschnittliche Gebühr für digitale Transaktionen: 1,75 $

Gesamteinnahmequellen für 2023: 568,1 Millionen US-Dollar

Northwest Bancshares, Inc. (NWBI) - Canvas Business Model: Value Propositions

You're looking at the core reasons customers choose Northwest Bancshares, Inc. over the competition, grounded in their recent operational scale and financial commitments as of late 2025.

Northwest Bancshares, Inc. offers a full suite of personal, business, and wealth management services. This comprehensive approach means they aim to be the single financial partner for diverse needs, from basic checking to complex commercial financing and trust administration.

The commitment to personalized, community-focused banking relationships is supported by a physical presence across Pennsylvania, New York, Ohio, and Indiana. This local touch is maintained even after significant growth, such as the recent acquisition of Penns Woods Bancorp, Inc., which closed on July 25, 2025.

For investors, the financial stability is a major draw. Northwest Bancshares, Inc. has delivered its 124th consecutive quarter of paying a cash dividend as of the third quarter of 2025. The declared quarterly cash dividend for that period was $0.20 per share, translating to an annualized dividend of $0.80 per share, representing a dividend yield of approximately 6.5% based on the September 30, 2025 market value.

The bank demonstrates expertise in commercial lending for business expansion through strategic portfolio rebalancing. This focus is evident in the loan growth figures:

• Commercial and industrial (C&I) loan growth was 25.3% year-over-year in Q3 2025.
• The C&I portfolio saw a growth of $332 million in the second quarter of 2025.
• The loan yield increased to 5.63% in the third quarter of 2025.

Convenience through a large branch and fee-free ATM footprint is a tangible benefit. Following the integration of the recent merger, the operational footprint as of September 30, 2025, includes:

Metric	Value as of Q3 2025
Full-Service Financial Centers	151
Free Standing Drive-Up Facilities	10
Total Assets (Pro Forma Context)	$16.4 billion

The bank is also planning for further physical expansion, with management indicating plans to open three new financial centers in the Columbus market.

Here's a quick look at the financial scale underpinning these value propositions for the quarter ended September 30, 2025:

Financial Metric	Q3 2025 Amount
Record Quarterly Revenue	$168 million
Net Interest Margin (NIM)	3.65%
Total Noninterest Income/(Loss)	$32.2 million
Total Assets	$16.4 billion
Total Deposits	$13.7 billion

The successful integration of the Penns Woods Bancorp acquisition added $2.2 billion in total assets, including $1.8 billion in loans, enhancing the scale of services offered.

Northwest Bancshares, Inc. (NWBI) - Canvas Business Model: Customer Relationships

You're looking at how Northwest Bancshares, Inc. keeps its clients engaged, balancing that traditional community feel with the digital tools everyone expects now. The relationship strategy is clearly segmented, especially for the higher-value commercial and wealth segments.

Dedicated relationship managers for commercial and wealth clients

Northwest Bancshares, Inc. emphasizes dedicated support for its business clients. This focus is evident in the strong growth seen in the commercial sector; as of the second quarter of 2025, Commercial and Industrial (C&I) lending showed a 19% growth year-over-year. Furthermore, the bank made a strategic move to bolster its wealth services, announcing the hiring of a Managing Director, Wealth Management, on October 2, 2025. This structure suggests a commitment to personalized, high-touch service for these segments, where experienced representatives work with businesses to pursue goals.

Community-focused, high-touch service model in branches

The physical footprint supports a community-focused approach. As of June 30, 2025, Northwest Bancshares, Inc. operated 131 full-service financial centers and ten free standing drive-up facilities across Pennsylvania, New York, Ohio, and Indiana. Following the Penns Woods merger, the bank expanded its physical presence to over 150 financial centers. This scale, supporting about $17 billion in assets post-merger, allows for localized decision-making and personalized service delivery within those communities.

Metric	Value as of Late 2025	Reference Point
Total Full-Service Financial Centers (Q2 2025)	131	June 30, 2025
Total Free Standing Drive-Up Facilities (Q2 2025)	10	June 30, 2025
Estimated Financial Centers Post-Merger	Over 150	Q2 2025 Earnings
Total Assets (Post-Merger Estimate)	About $17 billion	Q2 2025 Earnings

Self-service options via online and mobile banking

While maintaining a physical presence, Northwest Bancshares, Inc. operates within a market where digital adoption is the norm. Nationally, 77% of U.S. adults manage their bank accounts via mobile app or computer. For the millennial segment, which is a key demographic, 80% prefer digital banking. This environment necessitates robust self-service channels for routine transactions.

Direct, personalized assistance through Live Banker ATMs

The physical infrastructure includes ten free standing drive-up facilities as of June 30, 2025. These facilities likely house advanced service options, such as Live Banker ATMs, to provide direct, personalized assistance outside of standard lobby hours, bridging the gap between full-service centers and pure digital channels.

Long-term loyalty fostered by consistent dividend payments

Shareholder loyalty is reinforced through a consistent history of returning capital. Northwest Bancshares, Inc. has paid a cash dividend for 123 consecutive quarters. The most recently announced payment was $0.20 per share, payable on November 18, 2025, to shareholders of record as of November 6, 2025. This translates to an annual dividend of $0.80 per share.

• Annual Dividend Amount: $0.80 per share
• Most Recent Quarterly Payout: $0.20 per share
• Ex-Dividend Date for Latest Payment: November 6, 2025
• Consecutive Quarters of Dividend Payment: 123

Here's the quick math on the yield based on recent quotes: a forward yield was reported around 6.57%. What this estimate hides is the stability of that payout ratio, which was cited at 66% of earnings in one report.

Dividend Metric	Value (Late 2025 Data)	Date/Context
Quarterly Dividend Amount	$0.20	Declared October 2025
Annual Dividend Amount	$0.80	Current Annual Rate
Forward Dividend Yield	6.53% to 6.64%	Based on recent market data
Payout Ratio	66%	Of earnings

Finance: draft 13-week cash view by Friday.

Northwest Bancshares, Inc. (NWBI) - Canvas Business Model: Channels

You're looking at how Northwest Bancshares, Inc. reaches its customers, which is a mix of the traditional and the digital, especially after recent growth. The physical footprint is still key, but the digital side is what keeps things running 24/7.

The physical network as of September 30, 2025, includes 151 full-service financial centers across Pennsylvania, New York, Ohio, and Indiana. This physical presence is supported by ten free standing drive-up facilities as of the same date.

For customer access points, here's a breakdown of the physical and digital infrastructure, using the most recent figures available:

Channel Component	Metric/Count (Latest Available)	Reference Date/Context
Full-Service Financial Centers	151	As of September 30, 2025
Free Standing Drive-Up Facilities	10	As of September 30, 2025
Owned/Operated ATMs	192	As of December 31, 2023
External ATM Network Access	More than 55,000 free ATMs (Allpoint Network)	As of December 31, 2023

Online and mobile banking platforms provide round-the-clock access, which is crucial for modern banking convenience. While specific active user counts for late 2025 aren't public in the latest filings, the company has been focused on digital transformation, aiming for consistent and accessible customer journeys in an omni channel environment.

For specialized services, the direct sales force for commercial and wealth management is an important channel. An executive overseeing these areas, along with retail operations and the customer contact center, managed approximately 1,100 employees as of March 2025. This suggests a significant human capital investment supporting direct client engagement.

The customer contact center provides support, working alongside the physical and digital channels. The executive oversight mentioned above covers this function, indicating it is integrated into the broader retail and service delivery structure. The bank's emphasis remains on offering trust, investment management, insurance, employee benefit plans, and financial planning services with a personal touch.

The channels used for service delivery include:

• Physical locations: 151 financial centers
• Digital access: Online and mobile platforms
• ATM access: 192 owned ATMs plus external network access
• Direct relationship management for commercial/wealth services
• Customer contact center support

Finance: draft 13-week cash view by Friday.

Northwest Bancshares, Inc. (NWBI) - Canvas Business Model: Customer Segments

Northwest Bancshares, Inc. serves a defined set of customer groups across its operational footprint in Pennsylvania, New York, Ohio, and Indiana.

Retail consumers and households in the four-state footprint

• The company operates 151 full-service financial centers and ten free standing drive-up facilities across Pennsylvania, New York, Ohio, and Indiana as of September 30, 2025.
• Customers have fee-free access to more than 55,000 ATMs nationwide.
• Total assets for the combined entity reached $16.4 billion as of September 30, 2025.
• Average deposits grew by $1.1 billion from the quarter ended June 30, 2025, primarily due to the Penns Woods acquisition.

Small to mid-sized businesses seeking commercial loans and services

The focus on commercial lending is a key driver, with the commercial banking portfolio growing by $145 million in the second quarter of 2025. Commercial and Industrial (C&I) lending showed 19% growth over the past year as of Q2 2025. The loan portfolio composition as of December 31, 2024, illustrates the focus on business and real estate lending:

Loan Category	Amount (as of 12/31/2024)	Percentage of Gross Loans
Commercial Real Estate Loans	$2.9 billion	26%
Commercial Loans	$2.0 billion	18%
Other Consumer Loans (including auto, personal, credit card)	$1.9 billion	17%

The acquisition of Penns Woods Bancorp, Inc. added $1.8 billion in loans to the portfolio as of July 25, 2025.

High-net-worth individuals utilizing wealth management and trust services

• Northwest Bancshares, Inc. offers wealth management and trust services.
• The company added a Managing Director, Wealth Management in October 2025.

Local community organizations and municipalities

• Northwest Bancshares, Inc. serves municipalities.

Shareholders seeking consistent dividend income

• The Board of Directors declared a quarterly cash dividend of $0.20 per share for the third quarter of 2025.
• This marked the 124th consecutive quarter in which the Company has paid a cash dividend as of Q3 2025.
• The annualized dividend yield was approximately 6.5% based on the market value as of September 30, 2025.
• Total shareholders' equity was $1.60 billion at the end of 2024.

Northwest Bancshares, Inc. (NWBI) - Canvas Business Model: Cost Structure

You're looking at the expense side of Northwest Bancshares, Inc. following the big Penns Woods integration, so the numbers are definitely showing the strain of that transition. The cost structure is heavily influenced by one-time integration charges right now, which is common after a major acquisition like the one completed on July 25, 2025.

Significant noninterest expense, including $133.5 million in Q3 2025

For the third quarter of 2025, Northwest Bancshares, Inc. reported total noninterest expense on a GAAP basis of $133.5 million. This represented a substantial year-over-year increase of 47.1%. To get a clearer picture of the ongoing operational costs versus the one-time charges, management often separates these figures. The core noninterest expense, after backing out the merger impact, was reported around $102 million for the quarter. This means the integration costs accounted for a significant portion of the total spend.

Here's a quick look at how the major expense categories stacked up for Q3 2025, using the reported GAAP total and its primary components:

Expense Category	Amount (Q3 2025)
Total Noninterest Expense (GAAP)	$133.5 million
Merger and Restructuring Costs	Approximately $31 million
Core Noninterest Expense (Adjusted)	$102 million

High personnel costs for branch staff and relationship managers

Personnel costs are a major driver of the operating expense base, especially after adding the staff from Penns Woods Bancorp. While the specific Q3 2025 personnel expense isn't explicitly detailed in the same breakdown as the total, we can see the trend. For the second quarter of 2025, the personnel expense stood at $55,213 thousand, or $55.213 million. The increase in core expenses from Q2 to Q3 was $11 million, which management attributed to higher compensation and other expenses from the newly acquired employees and facilities. This suggests that personnel costs are definitely elevated as the bank works to integrate the new team members and manage the expanded branch network of 151 financial centers.

Interest expense on deposits and borrowings (increased post-merger)

Interest expense is the cost of funding the bank's balance sheet. While the overall interest expense trend compared to the prior year isn't explicitly detailed as an increase for Q3 2025, the cost of funding has been a key focus. For Q3 2025, the cost of deposits remained relatively stable at 1.55%. This stability in deposit costs, despite the large influx of deposits from the acquisition (which added $2.0 billion in liabilities, primarily deposits), is a positive sign for margin management, as the Net Interest Margin (NIM) expanded to 3.65%.

You should keep an eye on the cost of borrowings, as that can fluctuate more quickly than deposit costs.

Merger and restructuring expenses from the Penns Woods integration

These one-time costs are what really skewed the GAAP results, leading to a GAAP net income of just $3 million for Q3 2025. The merger and restructuring expenses related to the Penns Woods acquisition were a primary culprit. Specifically, Northwest Bancshares incurred approximately $31 million in merger-related costs during the third quarter of 2025. One report noted an increase of $25 million in merger and restructuring expenses for the quarter ending September 30, 2025. These charges cover everything from severance to systems conversion and rebranding efforts across the former Jersey Shore State Bank and Luzerne Bank locations.

The acquisition itself was valued at approximately $270.4 million.

Technology and infrastructure investment costs

Beyond the direct merger integration costs, ongoing technology and infrastructure expenses are present. While a total technology investment figure isn't provided, we see related operating cost movements. For instance, one component of the non-personnel expense change in Q3 2025 was an increase in processing expense of $2 million, which was noted as being based on lower software spend in the prior quarter. Furthermore, the bank is actively investing in its physical footprint, with management indicating plans to open three new financial centers in the Columbus market.

• The acquisition added 21 new branch locations across Pennsylvania.
• The combined entity now operates 151 financial centers across four states.
• Core deposit intangibles (CDI) amortization in Q3 2025 was $1.6 million.

Finance: draft 13-week cash view by Friday.

Northwest Bancshares, Inc. (NWBI) - Canvas Business Model: Revenue Streams

You're looking at how Northwest Bancshares, Inc. actually brings in the money, which for a bank like this, boils down to two main buckets: interest earned and fees charged. Honestly, the interest side is still the engine room.

The core of the revenue stream is Net Interest Income (NII), which is the difference between what Northwest Bancshares, Inc. earns on its assets, like loans, and what it pays out on its liabilities, like deposits. For the third quarter of 2025, that NII hit $135.97 million. That figure shows the direct benefit from their asset/liability management, especially with the recent acquisition providing more earning assets.

The quality and growth of the loan book directly feed this NII. You'll see strong interest income coming from the growing commercial loan portfolio. Management has been pushing business lending, which typically carries higher yields. In Q3 2025, the commercial and industrial portfolio showed particular strength, growing 25.3% year-over-year, and the overall loan yield climbed to 5.63% that quarter. Here's the quick math: higher yields on a bigger loan base mean more interest revenue flowing in.

Here's a snapshot of the key revenue drivers we're seeing from the Q3 2025 results:

Revenue Component	Q3 2025 Actual Amount	Context/Detail
Net Interest Income (NII)	$135.97 million	The required benchmark for the quarter.
Total Revenue	$168.1 million	A record quarterly performance.
Total Noninterest Income/(Loss)	$32.2 million	Compared to an estimate of $32.47 million.
Net Interest Margin (NIM)	3.65%	An improvement quarter-over-quarter.

The second part of the revenue picture is Noninterest income. This comes from things that aren't direct lending interest, like fees, wealth management, and insurance services offered through Northwest Investment Services. For Q3 2025, total noninterest income was $32.2 million, which was up 4% quarter over quarter, driven by an increase in service charges. Looking ahead, management projected that noninterest expense would be between $102 million and $104 million for Q4 2025, and they expected noninterest income to remain in the $32-33 million range for that same quarter. What this estimate hides is the full-year impact of the merger on fee income, as the annual projection you're looking for-between $124 million and $129 million for 2025-is still being finalized with the full integration.

Also, don't forget about the one-time boosts that can hit NII, even if they aren't sustainable. For instance, in the first quarter of 2025, there was a significant interest recovery on non-accrual loans, which was cited as an example of $13.1 million that positively impacted that quarter's earnings. This kind of recovery, while welcome, isn't a steady stream you can bank on every quarter.

So, the revenue streams are clearly centered on a growing, higher-yielding loan book, supplemented by fee income, with the overall structure benefiting from the scale achieved through the recent acquisition. Finance: draft 13-week cash view by Friday.