Penns Woods Bancorp, Inc. (PWOD): Business Model Canvas

Penns Woods Bancorp, Inc. (PWOD) liegt im Herzen von Pennsylvania und ist ein dynamisches Finanzinstitut, das das traditionelle Bankwesen durch einen strategischen, gemeinschaftsorientierten Ansatz transformiert. Durch die nahtlose Verbindung personalisierter lokaler Dienstleistungen mit modernsten digitalen Funktionen hat diese Regionalbank ein einzigartiges Geschäftsmodell entwickelt, das den vielfältigen Finanzbedürfnissen der Wohn- und Geschäftsgemeinden in Pennsylvania gerecht wird. Ihre innovative Leinwand offenbart eine umfassende Strategie, die über das bloße Transaktionsbanking hinausgeht und PWOD als entscheidenden Wirtschaftskatalysator in seinen Serviceregionen positioniert.

Penns Woods Bancorp, Inc. (PWOD) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und Gemeinschaftsorganisationen in Pennsylvania

Ab 2024 unterhält Penns Woods Bancorp strategische Partnerschaften mit:

Partnertyp	Anzahl der Partnerschaften	Geografische Abdeckung
Lokale Handelskammern	17	West-Pennsylvania
Gemeinschaftsentwicklungsorganisationen	12	Zentral-Pennsylvania
Netzwerke für kleine Unternehmen	23	Landesweit

Regionale Finanzdienstleister und Technologieanbieter

Zu den wichtigsten Technologie- und Servicepartnerschaften gehören:

• Jack Henry & Associates für Kernbankentechnologie
• FIS Global für die Zahlungsabwicklungsinfrastruktur
• Fiserv für digitale Banklösungen
• Visa und Mastercard für die Integration von Zahlungsnetzwerken

Netzwerke für Hypothekendarlehen und Immobilienprofis

Kategorie „Partnerschaft“.	Anzahl aktiver Beziehungen	Jährliches Hypothekenvolumen
Immobilienmakler	46	127,3 Millionen US-Dollar
Netzwerke für Hypothekendarlehen	8	92,6 Millionen US-Dollar

Kleinunternehmerverbände in Dienstleistungsgebieten

Penns Woods Bancorp arbeitet mit:

• Pennsylvania Economic Development Association
• National Federation of Independent Business (Kapitel Pennsylvania)
• Lokale Entwicklungszentren für Kleinunternehmen

Versicherungs- und Investmentpartnerfirmen

Partnertyp	Anzahl der Partnerschaften	Gesamtes Empfehlungsvolumen
Regionale Versicherungsanbieter	9	43,7 Millionen US-Dollar
Anlageberatungsfirmen	6	61,2 Millionen US-Dollar

Penns Woods Bancorp, Inc. (PWOD) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im vierten Quartal 2023 betrieb Penns Woods Bancorp 35 Full-Service-Filialen in ganz Pennsylvania. Die gemeldeten Gesamtaktiva beliefen sich auf 2,74 Milliarden US-Dollar, wobei die gesamten Kredite 2,06 Milliarden US-Dollar erreichten.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	854,3 Millionen US-Dollar
Verbraucherkredite	1,21 Milliarden US-Dollar

Hypothekendarlehen und Kreditvergabe

Im Jahr 2023 bearbeitete die Bank Hypothekendarlehen mit folgenden Merkmalen:

• Gesamtes Hypothekendarlehensportfolio: 652,4 Millionen US-Dollar
• Wohnimmobilienkredite: 487,6 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 276.000 $

Verwaltung von Einlagenkonten

Einlagenkennzahlen für Penns Woods Bancorp im Jahr 2023:

Einzahlungsart	Gesamtsaldo
Sichteinlagen	621,5 Millionen US-Dollar
Sparkonten	412,3 Millionen US-Dollar
Festgelder	896,7 Millionen US-Dollar

Wartung der digitalen Banking-Plattform

Kennzahlen zum digitalen Banking:

• Online-Banking-Nutzer: 42.600
• Mobile-Banking-App-Downloads: 28.300
• Digitales Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen

Investment- und Vermögensverwaltungsdienstleistungen

Leistung der Wertpapierdienstleistungen im Jahr 2023:

Servicekategorie	Gesamtes verwaltetes Vermögen
Vermögensverwaltung	345,6 Millionen US-Dollar
Anlageberatung	214,2 Millionen US-Dollar

Penns Woods Bancorp, Inc. (PWOD) – Geschäftsmodell: Schlüsselressourcen

Physisches Filialnetz in Pennsylvania

Ab 2023 betreibt Penns Woods Bancorp, Inc. 36 Full-Service-Filialen in ganz Pennsylvania.

Niederlassungsstandorte	Anzahl der Filialen
Nordwestliches Pennsylvania	12
Nordöstliches Pennsylvania	8
Zentral-Pennsylvania	10
Südwestliches Pennsylvania	6

Erfahrene Bankfachleute und Managementteam

Zusammensetzung des Managementteams:

• Gesamtzahl der Mitarbeiter: 336 (Stand 31. Dezember 2022)
• Durchschnittliche Bankerfahrung: 15,4 Jahre
• Senior Leadership mit über 20 Jahren Erfahrung: 7 Führungskräfte

Fortschrittliche digitale Banking-Technologie-Infrastruktur

Details zu Technologieinvestitionen:

• Jährliches Technologiebudget: 2,3 Millionen US-Dollar (2022)
• Online-Banking-Nutzer: 68 % des gesamten Kundenstamms
• Akzeptanzrate für mobiles Banking: 52 %

Starke Kapitalreserven und finanzielle Stabilität

Finanzkennzahl	Wert 2022
Gesamtvermögen	2,1 Milliarden US-Dollar
Gesamteigenkapital	189,4 Millionen US-Dollar
Kernkapitalquote	13.6%
Eigenkapitalrendite (ROE)	9.2%

Lokale Marktkenntnisse und Kundenbeziehungen

Kundenstammkennzahlen:

• Gesamtzahl der Kundenkonten: 48.200
• Durchschnittliche Kundenbeziehungsdauer: 8,7 Jahre
• Firmenkunden: 1.340
• Persönliche Bankkunden: 46.860

Penns Woods Bancorp, Inc. (PWOD) – Geschäftsmodell: Wertversprechen

Personalisiertes Community-Banking-Erlebnis

Im vierten Quartal 2023 unterhielt Penns Woods Bancorp 16 Community-Bankfilialen mit umfassendem Service in ganz Zentral-Pennsylvania. Die Gesamtaktiva belaufen sich auf 2,28 Milliarden US-Dollar, davon entfallen 1,87 Milliarden US-Dollar auf Kredite und 1,99 Milliarden US-Dollar auf Einlagen.

Metrisch	Wert
Gesamtvermögen	2,28 Milliarden US-Dollar
Gesamtkredite	1,87 Milliarden US-Dollar
Gesamteinlagen	1,99 Milliarden US-Dollar
Anzahl der Filialen	16

Wettbewerbsfähige Zinssätze

Aktuelle Zinssätze für wichtige Bankprodukte:

• Persönliche Sparkonten: 0,50 % – 1,25 % effektiver Jahreszins
• Geldmarktkonten: 1,75 % – 2,50 % effektiver Jahreszins
• Privatkreditzinsen: 6,99 % – 15,99 % effektiver Jahreszins
• Gewerbekreditzinsen: 5,50 % – 8,75 % effektiver Jahreszins

Lokale Entscheidungsfindung und schnelle Kreditbearbeitung

Durchschnittliche Kreditbearbeitungszeit: 3–5 Werktage für Privatkredite, 7–10 Werktage für Gewerbekredite.

Umfassende Finanzdienstleistungen

Servicekategorie	Produktangebote
Persönliches Banking	Schecks, Ersparnisse, CDs, Online-Banking
Geschäftsbanking	Geschäftsprüfung, Gewerbekredite, Händlerdienstleistungen
Wertpapierdienstleistungen	Altersvorsorge, Vermögensverwaltung

Regionale Wirtschaftsentwicklung

Im Jahr 2023 vergab Penns Woods Bancorp Kleinunternehmenskredite in Höhe von 42,7 Millionen US-Dollar an lokale Unternehmen und unterstützte damit 237 regionale Unternehmen.

• Gesamtkredit für Kleinunternehmen: 42,7 Millionen US-Dollar
• Anzahl der unterstützten Unternehmen: 237
• Durchschnittliche Kredithöhe: 180.000 $

Penns Woods Bancorp, Inc. (PWOD) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankbeziehungen mit lokalen Kunden

Ab 2024 unterhält Penns Woods Bancorp 33 Community-Bankfilialen mit umfassendem Service in ganz Pennsylvania. Die Bank betreut rund 48.300 lokale Kunden mit personalisierten Bankdienstleistungen.

Kundensegment	Anzahl der Kunden	Durchschnittlicher Kontostand
Persönliches Banking	34,200	$52,340
Geschäftsbanking	14,100	$187,500

Dedizierte Kundenbetreuer für Geschäftskunden

Penns Woods Bancorp beschäftigt 22 engagierte Kundenbetreuer speziell für die Interaktion mit Geschäftskunden.

• Durchschnittliche Portfoliogröße pro Kundenbetreuer: 64 Geschäftskunden
• Mittlerer Jahresumsatz von Geschäftskunden: 3,2 Millionen US-Dollar
• Bindungsrate von Geschäftskunden: 87,5 %

Online- und Mobile-Banking-Unterstützung

Digitale Banking-Plattformen bedienen 62 % des Kundenstamms der Bank, mit 28.446 aktiven Digital-Banking-Nutzern im Jahr 2024.

Digitale Plattform	Aktive Benutzer	Monatliche Transaktionen
Mobile-Banking-App	24,300	412,000
Online-Banking-Website	22,100	356,000

Kundendienst in der Filiale

Die Bank beschäftigt durchschnittlich 4,7 Kundendienstmitarbeiter pro Filiale, wobei die durchschnittliche Kundeninteraktionszeit 22 Minuten beträgt.

Regelmäßige Finanzberatungsgespräche

Penns Woods Bancorp bietet kostenlose Finanzberatungsgespräche erreicht 37 % seines Kundenstamms und führt monatlich etwa 1.800 Beratungsgespräche durch.

Beratungsdiensttyp	Anzahl der Konsultationen	Durchschnittliche Beratungsdauer
Persönliche Finanzplanung	1,200	45 Minuten
Finanzstrategie für Unternehmen	600	60 Minuten

Penns Woods Bancorp, Inc. (PWOD) – Geschäftsmodell: Kanäle

Standorte physischer Bankfilialen

Ab 2023 betreibt Penns Woods Bancorp 37 physische Bankfilialen, die sich hauptsächlich auf Pennsylvania konzentrieren.

Region	Anzahl der Filialen
Zentral-Pennsylvania	22
West-Pennsylvania	15

Online-Banking-Plattform

Die Bank stellt eine umfassende Online-Banking-Plattform mit folgenden Funktionen zur Verfügung:

• Kontostandverfolgung
• Geldtransfers
• Rechnungszahlungsdienste
• Elektronische Kontoauszüge

Mobile-Banking-Anwendung

Statistiken zu Mobile-Banking-Apps, Stand 4. Quartal 2023:

Metrisch	Wert
Gesamtzahl der Downloads mobiler Apps	48,675
Monatlich aktive Benutzer	32,410

Telefon-Banking-Dienste

Kundensupport per Telefon-Banking rund um die Uhr mit einer durchschnittlichen Reaktionszeit von 2,5 Minuten.

ATM-Netzwerk

Das gesamte Geldautomatennetzwerk umfasst 62 bankeigene Geldautomaten in ganz Pennsylvania.

Typ des Geldautomatenstandorts	Anzahl Geldautomaten
Niederlassungsstandorte	37
Eigenständige Standorte	25

Penns Woods Bancorp, Inc. (PWOD) – Geschäftsmodell: Kundensegmente

Lokale Privatkunden in Pennsylvania

Im vierten Quartal 2023 betreut Penns Woods Bancorp rund 78.000 Privatkunden in ganz Pennsylvania. Gesamtportfolio an Wohnbaukrediten: 642,3 Millionen US-Dollar.

Kundenkategorie	Anzahl der Kunden	Gesamtkreditwert
Persönliche Girokonten	52,400	287,6 Millionen US-Dollar
Persönliche Sparkonten	45,600	355,7 Millionen US-Dollar

Kleine und mittlere Unternehmen

Das Geschäftsbanksegment betreut 3.425 Geschäftskunden mit einem gesamten Geschäftskreditportfolio von 413,8 Millionen US-Dollar.

• Durchschnittliche Kredithöhe für Unternehmen: 120.500 $
• Geschäftsgirokonten: 2.675
• Geschäftssparkonten: 750

Landwirtschaftliche und ländliche Gemeinschaftsunternehmen

Agrarkreditportfolio: 87,6 Millionen US-Dollar für 612 ländliche Unternehmen in Pennsylvania.

Agrarsektor	Anzahl der Kunden	Gesamtkreditwert
Landwirtschaftliche Betriebe	412	62,3 Millionen US-Dollar
Ländliche Kleinunternehmen	200	25,3 Millionen US-Dollar

Individuelle Altersvorsorge- und Anlagekunden

Das Segment Investment Services verwaltet 276,4 Millionen US-Dollar an Vermögenswerten für 4.850 Einzelkunden.

• Individuelle Altersvorsorgekonten (IRAs): 2.300 Kunden
• Vermögensverwaltungskonten: 1.250 Kunden
• Maklerkonten: 1.300 Kunden

Lokale kommunale und staatliche Stellen

Das Kommunalbanksegment betreut 87 lokale Regierungskunden mit kommunalen Gesamteinlagen von 124,6 Millionen US-Dollar.

Typ der Regierungseinheit	Anzahl der Kunden	Gesamteinzahlungswert
Bezirksregierungen	22	48,3 Millionen US-Dollar
Kommunalverwaltungen	65	76,3 Millionen US-Dollar

Penns Woods Bancorp, Inc. (PWOD) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Zum Jahresbericht 2022 unterhielt Penns Woods Bancorp 16 Bankbüros mit umfassendem Service. Die gesamten filialbezogenen Belegungsaufwendungen beliefen sich im Jahr 2022 auf 2,47 Millionen US-Dollar.

Filialausgabenkategorie	Jährliche Kosten ($)
Miet- und Pachtkosten	1,150,000
Dienstprogramme	620,000
Wartung und Reparaturen	700,000

Gehälter und Leistungen der Mitarbeiter

Im Jahr 2022 beliefen sich die gesamten Vergütungskosten auf 19,3 Millionen US-Dollar.

• Gehälter: 14,2 Millionen US-Dollar
• Leistungen an Arbeitnehmer: 5,1 Millionen US-Dollar

Wartung der Technologieinfrastruktur

Die Ausgaben für Technologie und Datenverarbeitung beliefen sich im Jahr 2022 auf insgesamt 3,6 Millionen US-Dollar.

Kategorie „Technologiekosten“.	Jährliche Kosten ($)
Softwarelizenzierung	1,200,000
Hardwarewartung	850,000
Cybersicherheit	1,550,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben beliefen sich im Jahr 2022 auf etwa 1,8 Millionen US-Dollar.

• Kosten für die behördliche Einreichung: 450.000 US-Dollar
• Prüfungs- und Prüfungskosten: 780.000 US-Dollar
• Gehälter für Compliance-Mitarbeiter: 570.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2022 beliefen sich auf 620.000 US-Dollar.

Kategorie der Marketingausgaben	Jährliche Kosten ($)
Digitale Werbung	240,000
Print und traditionelle Medien	180,000
Sponsoring von Gemeinschaftsveranstaltungen	200,000

Penns Woods Bancorp, Inc. (PWOD) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Im vierten Quartal 2023 meldete Penns Woods Bancorp einen Gesamtzinsertrag von 59,4 Millionen US-Dollar, mit der wichtigsten Aufschlüsselung wie folgt:

Kreditkategorie	Zinserträge
Gewerbliche Kredite	24,6 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	18,2 Millionen US-Dollar
Verbraucherkredite	12,7 Millionen US-Dollar
Agrarkredite	3,9 Millionen US-Dollar

Gebühren für Hypothekendarlehen

Die Gebühren für Hypothekendarlehen beliefen sich im Jahr 2023 auf insgesamt 3,8 Millionen US-Dollar, mit folgender Struktur:

• Erstellungsgebühren: 2,1 Millionen US-Dollar
• Bearbeitungsgebühren: 0,9 Millionen US-Dollar
• Zeichnungsgebühren: 0,8 Millionen US-Dollar

Kontoführungsgebühren

Die Einnahmen aus der Kontoführung beliefen sich im Jahr 2023 auf 2,5 Millionen US-Dollar und verteilten sich auf:

• Girokontogebühren: 1,2 Millionen US-Dollar
• Gebühren für Sparkonten: 0,7 Millionen US-Dollar
• Geschäftskontogebühren: 0,6 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Der Umsatz aus Wertpapierdienstleistungen erreichte im Jahr 2023 4,6 Millionen US-Dollar:

Servicekategorie	Einnahmen
Vermögensverwaltung	2,3 Millionen US-Dollar
Finanzberatung	1,5 Millionen Dollar
Ruhestandsplanung	0,8 Millionen US-Dollar

Gebühren für Treasury-Management-Services

Treasury-Management-Dienstleistungen erwirtschafteten im Jahr 2023 3,2 Millionen US-Dollar:

• Cash-Management-Dienste: 1,4 Millionen US-Dollar
• Zahlungsabwicklung: 1,1 Millionen US-Dollar
• Devisendienstleistungen: 0,7 Millionen US-Dollar

Penns Woods Bancorp, Inc. (PWOD) - Canvas Business Model: Value Propositions

You're looking at the value proposition of Penns Woods Bancorp, Inc. (PWOD) right before its integration into Northwest Bancshares, Inc. in July 2025. This was the core offering that made the company attractive for acquisition, focusing on deep local ties and a full service spectrum for its specific market.

Comprehensive commercial and retail banking services formed the bedrock of the value proposition. The entity, through its subsidiaries Jersey Shore State Bank and Luzerne Bank, provided banking and financial services to individuals, partnerships, non-profit organizations, and corporations across its service area. As of March 31, 2025, the total assets stood at $2.3 billion. The core lending strength showed growth, with net loans increasing by $43.3 million in the first quarter of 2025, reaching a total of $1.9 billion. On the funding side, total deposits reached $1.7 billion, marking an increase of $105.4 million in that same quarter.

The commitment to localized, community-focused financial services was central, as operations were concentrated specifically in north-central and northeastern Pennsylvania. This regional focus allowed for tailoring financial products to the specific needs of those community banking markets. The structure leveraged two distinct community banks:

• Jersey Shore State Bank (JSSB)
• Luzerne Bank (LUZ)

The full suite of loan products supported both consumer and business needs. The strategy emphasized growth in specific lending categories. Here's a look at the non-interest income components that reflect service breadth, based on the three months ended March 31, 2025:

Income Source	Amount (In Thousands)
Loan broker income	252
Debit card income	308
Gain on sale of loans	408

The loan portfolio included residential, commercial, and a noted focus on indirect auto lending.

Beyond traditional lending and deposits, the value proposition included integrated financial planning, brokerage, and insurance offerings, primarily delivered through subsidiaries like M-Group D/B/A The Comprehensive Financial Group and United Insurance Solutions (UIS). These fee-based services provided a diversified revenue stream, as seen in the following non-interest income figures for Q1 2025:

• Insurance commissions: $152 thousand.
• Brokerage commissions: $167 thousand.
• Service charges: $483 thousand.

The annualized return on average assets for the first quarter of 2025 was 1.31%, demonstrating the efficiency of this combined service model.

Penns Woods Bancorp, Inc. (PWOD) - Canvas Business Model: Customer Relationships

You're looking at the customer relationships for Penns Woods Bancorp, Inc. (PWOD) as of late 2025. Honestly, the most important number right now is that the entity was acquired by Northwest Bancshares, Inc. on July 25, 2025, so the relationships are now operating under the Northwest Bank brand and structure. Still, we can map the relationship types based on the services offered by the former PWOD subsidiaries, Jersey Shore State Bank and Luzerne Bank, and the resulting scale.

The relationship model centers on a local, high-touch approach, now scaled within a larger regional footprint. The former Penns Woods Bancorp, Inc. had approximately $1.7 billion in total deposits as of September 30, 2024, which represents the core deposit relationship base now integrated.

Relationship-based banking via local branch network.

• The acquisition added 21 branch locations across North Central and Northeastern Pennsylvania to the acquiring bank's network.
• The combined entity now operates 151 full-service financial centers across Pennsylvania, New York, Ohio, and Indiana.
• Former PWOD served customers in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania.

Dedicated commercial lending officers for business clients.

The business banking segment, which included commercial loans for real estate acquisition, equipment purchase, and working capital, relied on direct officer engagement. The former PWOD offered commercial loans totaling approximately $1.9 billion in total loans as of September 30, 2024.

Relationship Component	Former PWOD Metric (As of 9/30/2024)	Post-Merger Scale (As of 7/25/2025)
Total Assets Under Management/Supervision	Approximately $2.3 billion	In excess of $17 billion (Combined)
Total Deposits	Approximately $1.7 billion	Not explicitly stated for combined entity
Total Loans	Approximately $1.9 billion	Not explicitly stated for combined entity
Branch Footprint Contribution	21 branches added	151 total financial centers

Automated service via Internet and telephone banking.

• Former PWOD offered Internet and telephone banking services.
• The integrated entity offers Business E-Banking and Mobile Banking Apps.

Personalized financial planning and wealth management advice.

This relationship stream includes investment products, life insurance, annuities, and estate planning services. The former PWOD had a subsidiary, United Insurance Solutions (UIS), providing Home, Auto, Property & Casualty, Commercial, Medicare, and Life Insurance.

Finance: draft 13-week cash view by Friday.

Penns Woods Bancorp, Inc. (PWOD) - Canvas Business Model: Channels

You're looking at the channels for Penns Woods Bancorp, Inc. as of late 2025. Honestly, the most important thing to note right away is that Penns Woods Bancorp, Inc. completed its merger with Northwest Bancshares, Inc. on July 25, 2025. So, the channels you see now are largely integrated into the Northwest Bank structure, which is the surviving entity.

The physical branch network, which was the traditional backbone, has been consolidated. The former Penns Woods footprint, spanning counties like Blair, Centre, Clinton, Luzerne, Lycoming, Montour, and Union in Pennsylvania, now feeds into a much larger regional system. The digital channels are where the industry is clearly heading; for context, in 2025, a significant majority of consumers-77 percent-prefer managing their bank accounts through a mobile app or a computer. This means the success of the combined entity hinges on how well these digital platforms perform.

Here's a look at the physical footprint data following the integration, which is the most concrete channel information available for late 2025:

Channel Component	Metric	Value as of Late 2025 (Post-Merger Context)
Physical Branch Network (Total)	Total Financial Centers (Across PA, NY, OH, IN)	151 financial centers
Physical Branch Network (PA Expansion)	New Branch Locations Added from PWOD Acquisition	21 branch locations
Physical Branch Network (Drive-up)	Free-standing Drive-up Locations	10 locations
Digital Banking Adoption (US Market Context)	Expected US Digital Banking Users (2025 Estimate)	216.8 million users

The direct sales force component, crucial for commercial and mortgage lending, is now part of Northwest Bank's lending operations. We know that mortgage banking revenue was a driver for noninterest income in the third quarter of 2025 for the combined company. While I can't give you the exact headcount for the former Penns Woods Bancorp, Inc. direct sales team, you should know that the overall employee count for PWOD was approximately 201 as of May 2025, before the merger closed.

For basic transactions, the ATM network is now subsumed into the larger Northwest Bank infrastructure. The focus for customers using these channels is on convenience and speed. The digital platforms are expected to support the general trend where online & mobile payments in the digital payments market are anticipated to hit US$20.09 trillion in 2025. This shows the relative importance of maintaining a seamless digital experience.

You can expect the customer access points to be managed through these primary avenues:

• Physical Branch Network: Integrated into Northwest Bank's 151 financial centers across four states.
• Digital Channels: Internet and mobile banking platforms, critical given that 77 percent of consumers prefer these for account management.
• ATM Network: Access points now part of the broader Northwest system, which includes 10 drive-up locations.
• Direct Sales Force: Relationship managers focused on commercial and mortgage lending, contributing to revenue streams like the mortgage banking revenue seen in Q3 2025.

Finance: draft the integration plan's impact on branch staffing ratios by end of Q4 2025.

Penns Woods Bancorp, Inc. (PWOD) - Canvas Business Model: Customer Segments

You're looking at the customer base for Penns Woods Bancorp, Inc. right before it fully integrated into Northwest Bank in the summer of 2025. Honestly, the core customer base was geographically concentrated, serving communities across North Central and Northeastern Pennsylvania through its subsidiary banks, Jersey Shore State Bank and Luzerne Bank. The scale of the operation being segmented, as of March 31, 2025, involved total assets of about $2.3 billion and total deposits reaching $1.7 billion.

The first segment is definitely the local folks. This includes individuals and households across the operational footprint, which covers Blair, Centre, Clinton, Luzerne, Lycoming, Montour, and Union Counties in Pennsylvania. These customers use the standard retail banking products. For instance, at the end of the first quarter of 2025, noninterest-bearing deposits, which often reflect retail and small business operating accounts, stood at $465.8 million of the total deposits.

Next up, we have the engine of the local economy: small to medium-sized businesses (SMBs) and corporations. Penns Woods Bancorp, Inc. provided commercial banking services to these entities. The bank placed a continued emphasis on commercial loan growth in the period leading up to the acquisition. The total net loans on the books at March 31, 2025, were $1.9 billion. Here's a quick look at the financial scale of the business whose customers we're segmenting:

Metric	Amount (as of March 31, 2025)
Total Consolidated Assets	$2,300,000,000
Total Deposits	$1,700,000,000
Net Loans	$1,900,000,000
Q1 2025 Net Income	$7,400,000

The third group covers non-profit organizations and municipal entities. These customers are served alongside the commercial base, utilizing the commercial and retail banking services offered by Jersey Shore State Bank and Luzerne Bank. The types of accounts and services they use include time, demand, and savings deposits, as well as checking and Individual Retirement Accounts (IRAs).

Finally, a key area for loan generation was indirect auto loan customers across the region. The company specifically noted a focus on indirect auto lending as part of its net loan growth strategy in early 2025. This consumer lending segment was supported by various consumer loan products offered:

• Automobile financing.
• Residential mortgages.
• Home equity loans and lines.
• Personal loans and lines of credit.
• Revolving credit loans with overdraft protection.

The total net loans grew by $43.3 million in the first quarter of 2025 alone. Finance: draft the 2026 pro-forma customer retention plan for the acquired branches by Friday.

Penns Woods Bancorp, Inc. (PWOD) - Canvas Business Model: Cost Structure

You're analyzing the cost base for Penns Woods Bancorp, Inc. (PWOD) as of late 2025, keeping in mind the Q1 2025 figures reflect the company just before its integration into Northwest Bancshares, Inc. The cost structure is heavily influenced by personnel and the operational footprint of its branch network.

The total Non-interest expense for the first quarter of 2025 was reported at $12.6 million. This figure included specific, non-recurring costs related to the pending acquisition.

The primary drivers of the operating cost structure for Penns Woods Bancorp, Inc. during Q1 2025, based on the reported figures in thousands, are detailed below:

Cost Component	Q1 2025 Amount (in thousands)	Q1 2025 Amount (in millions)
Personnel costs (Salaries and employee benefits)	$6,483	$6.483
Total Interest Expense on Deposits and Borrowings	$12,238	$12.238
One-time Merger-related Expenses (Pre-tax)	$1,090	$1.09

Interest expense on deposits and borrowings, which is a key cost for any bank, totaled $12.238 million for the first quarter of 2025. This total is broken down across the funding sources as follows:

• Interest expense on Deposits: $8,744 thousand.
• Interest expense on Long-term borrowings: $2,438 thousand.
• Interest expense on Short-term borrowings: $1,056 thousand.

Personnel costs represent the largest controllable operating expense. For the three months ended March 31, 2025, Salaries and employee benefits amounted to $6,483 thousand. This was a slight increase of 0.95 percent compared to the same period in 2024.

The costs associated with the physical footprint, which supported the 24 branch locations Penns Woods Bancorp, Inc. operated across Pennsylvania before the July 2025 merger, are itemized:

• Occupancy costs: $874 thousand for Q1 2025.
• Furniture and equipment costs: $997 thousand for Q1 2025.

The one-time merger-related expenses impacting the Q1 2025 cost structure were explicitly stated as $1.09 million pre-tax. This cost is separate from the ongoing operational costs but was a material factor in the period's expense profile.

Penns Woods Bancorp, Inc. (PWOD) - Canvas Business Model: Revenue Streams

You're looking at the revenue streams for Penns Woods Bancorp, Inc. as of its last reported standalone period in Q1 2025, right before the merger closed in July 2025. Honestly, for a bank holding company like Penns Woods Bancorp, Inc., the revenue engine is primarily interest income, but the fee side is what shows diversification.

The core of the revenue generation is Net Interest Income (NII). For the first quarter of 2025, Penns Woods Bancorp, Inc. reported $16.1 million in NII. This NII performance was supported by a net interest margin that expanded to 3.13% in Q1 2025, up from 2.69% in Q1 2024. The net loans portfolio, which funded this income, stood at $1.9 billion at March 31, 2025.

Interest income flows directly from the deployment of assets, mainly the loan portfolio. Penns Woods Bancorp, Inc. generated this interest from a mix of lending activities across its subsidiary banks, Jersey Shore State Bank and Luzerne Bank. You can see the primary sources of interest-earning assets here:

• Interest income from commercial real estate loans.
• Interest income from residential real estate loans.
• Interest income from construction real estate loans.
• Interest income from agricultural loans.
• Interest income from commercial loans for equipment and working capital.
• Interest income from consumer loans, including auto financing and home equity lines.

Beyond the balance sheet interest, non-interest income provides a secondary, fee-based revenue stream. The company's services included various charges and fees associated with deposit accounts and transactional activities. For instance, core deposits were stable at about $1.2 billion over the five quarters leading up to Q1 2025, which supports fee generation from those accounts.

The revenue streams from specialized services are important for showing a broader service offering. These revenues come from wealth management and insurance activities:

• Revenue from securities brokerage services.
• Revenue from financial planning services.
• Revenue from the sale of life insurance products and annuities.
• Revenue from property and casualty, and auto insurance products.

Finally, the income statement includes realized gains or losses from the investment portfolio. For Q1 2025, net income was $7.4 million, but core earnings (which exclude net securities gains or losses and merger expenses) were $8.1 million. Here's the quick math: the difference suggests that net securities gains/losses and merger expenses combined resulted in an exclusion of approximately $0.7 million from core earnings for the quarter.

To give you a clearer picture of the income components for the three months ended March 31, 2025, based on the available data points:

Revenue Component	Q1 2025 Amount (Millions USD)	Source Context
Net Interest Income (NII)	$16.1	As specified for Q1 2025.
Net Income (GAAP)	$7.4	Reported for the three months ended March 31, 2025.
Core Earnings (Excluding Securities Gains/Losses & Merger Exp.)	$8.1	Non-GAAP measure for the three months ended March 31, 2025.
Net Loans Portfolio	$1.9	Balance as of March 31, 2025.
Net Interest Margin (NIM)	3.13%	Reported for Q1 2025.

The loan portfolio growth, up $43.3 million to $1.9 billion in Q1 2025, was driven by continued emphasis on commercial loan growth and indirect auto lending, which directly impacts the interest income stream. Also, the investment portfolio decreased by $14.3 million as cash flow was redirected to fund this loan growth, which affects the potential for investment security gains or losses.

Finance: draft 13-week cash view by Friday.