Northwest Bancshares, Inc. (NWBI): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Northwest Bancshares, Inc. (NWBI) representa una institución financiera dinámica que navega estratégicamente el complejo panorama bancario a través de un lienzo de modelo de negocio meticulosamente elaborado. Al combinar los principios de banca comunitaria tradicional con innovación digital de vanguardia, NWBI se ha posicionado como un proveedor de servicios financieros versátil que atiende a diversos segmentos de clientes en Pensilvania y Ohio. Este enfoque integral permite al banco ofrecer soluciones bancarias personalizadas, aprovechar los avances tecnológicos y mantener relaciones locales sólidas mientras se genera múltiples flujos de ingresos que impulsan el crecimiento sostenible y la satisfacción del cliente.

Northwest Bancshares, Inc. (NWBI) - Modelo de negocios: asociaciones clave

Instituciones financieras locales y regionales para servicios bancarios colaborativos

A partir del cuarto trimestre de 2023, el noroeste de Bancshares mantiene asociaciones estratégicas con 47 instituciones financieras locales y regionales en Pensilvania, Ohio y Nueva York.

Tipo de asociación	Número de instituciones	Servicios colaborativos
Redes bancarias compartidas	23	Servicios de cajeros automáticos y de transacción
Acuerdos de préstamos interbancarios	12	Intercambios de facilidades de crédito
Plataformas cooperativas regionales	12	Infraestructura bancaria digital

Proveedores de seguros para ofertas integradas de productos financieros

Northwest Bancshares colabora con 8 proveedores de seguros primarios para ofrecer productos financieros integrales.

• Asociación de seguro nacional
• Acuerdo de colaboración de la granja estatal
• Integración financiera mutua de Liberty
• Acuerdo de co-marketing de seguros de viajeros

Proveedores de tecnología que admiten plataformas de banca digital

En 2023, el noroeste de Bancshares invirtió $ 12.3 millones en asociaciones tecnológicas con proveedores de soluciones de banca digital.

Socio tecnológico	Monto de la inversión	Servicio principal
Soluciones de fiserv	$ 5.7 millones	Software bancario central
Jack Henry & Asociado	$ 3.9 millones	Plataforma de banca digital
Temenos Group AG	$ 2.7 millones	Tecnología de banca en la nube

Redes de pequeñas empresas y organizaciones de desarrollo comunitario

Northwest Bancshares se involucra activamente con 62 redes de pequeñas empresas en sus regiones operativas.

• Asociación de Administración de Pequeñas Empresas (SBA)
• Colaboraciones de la Cámara de Comercio local
• Consejos de desarrollo económico comunitario
• Redes de soporte de emprendimiento regional

Proveedores de servicios hipotecarios y de préstamos

El banco mantiene asociaciones con 15 proveedores de servicios hipotecarios y de préstamos, facilitando $ 487 millones en originaciones de préstamos en 2023.

Compañero de préstamo	Volumen de préstamo	Especialización
Préstamos para acelerar	$ 156 millones	Hipotecas residenciales
Wells Fargo Mortgage	$ 122 millones	Servicios de refinanciación
Pennymac Financial	$ 98 millones	Préstamos no conformes
Otros proveedores	$ 111 millones	Soluciones de préstamos diversas

Northwest Bancshares, Inc. (NWBI) - Modelo de negocios: actividades clave

Servicios de banca minorista y comercial

A partir del cuarto trimestre de 2023, el noroeste de Bancshares opera 164 oficinas de banca comunitaria en Pensilvania, Ohio, Nueva York e Indiana. Los activos totales reportados en $ 47.4 mil millones.

Categoría de servicio bancario	Volumen total (2023)
Cuentas bancarias minoristas	$ 23.6 mil millones
Préstamos bancarios comerciales	$ 14.2 mil millones
Banca de pequeñas empresas	$ 3.8 mil millones

Gestión de productos de depósito y préstamo

Northwest Bancshares administra diversas cartera de productos financieros.

• Depósitos totales: $ 40.1 mil millones
• Ingresos de intereses netos: $ 535.2 millones
• Composición de cartera de préstamos:
  • Bienes inmuebles comerciales: 42%
  • Hipotecas residenciales: 33%
  • Préstamos al consumidor: 25%

Desarrollo de la plataforma de banca digital

Los canales de banca digital procesaron $ 12.7 mil millones en transacciones durante 2023.

Canal digital	Compromiso de usuario
Usuarios de banca móvil	387,000
Cuentas bancarias en línea	542,000
Volumen de transacción digital	$ 12.7 mil millones

Gestión de riesgos y monitoreo de cumplimiento

Asignación del presupuesto de cumplimiento: $ 24.3 millones en 2023.

• Personal de cumplimiento regulatorio: 87 profesionales
• Inversión en tecnología de cumplimiento: $ 5.6 millones
• Cobertura del marco de gestión de riesgos:
  • Riesgo de crédito
  • Riesgo operativo
  • Riesgo de mercado
  • Riesgo de liquidez

Relación con el cliente y servicios de asesoramiento financiero

Los servicios de asesoramiento financiero generaron $ 127.5 millones en ingresos durante 2023.

Servicio de asesoramiento	Ganancia
Gestión de patrimonio	$ 82.3 millones
Aviso de inversión	$ 45.2 millones

Northwest Bancshares, Inc. (NWBI) - Modelo de negocios: recursos clave

Red de sucursales

A partir del cuarto trimestre de 2023, el noroeste de Bancshares opera 168 oficinas bancarias totales al otro lado de:

• Pensilvania: 112 ramas
• Ohio: 56 ramas

Categoría de recursos	Activos específicos	Cantidad/valor
Activo físico	Sucursales bancarias totales	168
Recursos financieros	Activos totales	$ 14.5 mil millones (31 de diciembre de 2023)
Infraestructura digital	Plataformas de banca en línea	Servicios de banca móvil y web

Infraestructura bancaria digital

Northwest Bancshares proporciona Servicios de banca digital integrales incluido:

• Aplicación de banca móvil
• Administración de cuentas en línea
• Sistemas de pago digital
• Captura de depósito remoto

Recursos humanos

A partir de 2023, el noroeste de Bancshares emplea Aproximadamente 1,200 profesionales a través de sus regiones operativas.

Sistemas de tecnología financiera

La inversión en plataformas tecnológicas incluye:

• Infraestructura avanzada de ciberseguridad
• Sistemas bancarios basados ​​en la nube
• Herramientas automatizadas de gestión de riesgos

Base de datos de clientes

Northwest Bancshares mantiene Más de 250,000 cuentas de clientes en segmentos de banca personal y comercial.

Northwest Bancshares, Inc. (NWBI) - Modelo de negocio: propuestas de valor

Soluciones bancarias centradas en la comunidad

A partir del cuarto trimestre de 2023, el noroeste de Bancshares opera 164 oficinas de banca comunitaria en Pensilvania, Ohio, Nueva York e Indiana. Los activos totales informados fueron de $ 24.3 mil millones.

Presencia geográfica	Número de ramas	Activos comunitarios totales
Pensilvania	98	$ 14.7 mil millones
Ohio	33	$ 5.2 mil millones
Nueva York	22	$ 3.4 mil millones
Indiana	11	$ 1.0 mil millones

Servicio al cliente personalizado

Métricas de servicio al cliente para 2023 demostradas:

• Calificación promedio de satisfacción del cliente: 4.3/5
• Tiempo de respuesta promedio para consultas de clientes: 2.1 horas
• Disponibilidad digital de atención al cliente: 24/7

Tasas de interés competitivas

Tasas de interés para productos bancarios primarios a partir de enero de 2024:

Producto	Tasa de interés
Cuenta de ahorro personal	3.25%
Cuenta del mercado monetario	4.10%
Cuenta correcta personal	1.50%
Préstamos hipotecarios	6.75%

Experiencia bancaria digital integral

Estadísticas de banca digital para 2023:

• Usuarios de banca móvil: 215,000
• Transacciones bancarias en línea: 3.6 millones mensuales
• Tiempo de actividad de la plataforma digital: 99.98%

Toma de decisiones locales y banca basada en relaciones

Préstamos locales y métricas de banca de relación:

Categoría de préstamo	Volumen total	Porcentaje de decisión local
Préstamos para pequeñas empresas	$ 872 millones	92%
Inmobiliario comercial	$ 1.3 mil millones	88%
Préstamos agrícolas	$ 246 millones	95%

Northwest Bancshares, Inc. (NWBI) - Modelo de negocios: relaciones con los clientes

Consultas bancarias personales

Northwest Bancshares ofrece consultas bancarias personalizadas a través de sus 163 sucursales en Pensilvania, Ohio, Nueva York e Indiana a partir de 2024.

Tipo de consulta	Duración promedio	Tasa de satisfacción del cliente
Aviso de cuenta personal	45 minutos	87.6%
Consulta de cuenta comercial	60 minutos	92.3%

Soporte bancario en línea y móvil

Northwest Bancshares proporciona a los servicios de banca digital las siguientes métricas:

• Descargas de aplicaciones de banca móvil: 124,567
• Usuarios activos de banca en línea: 276,890
• Volumen de transacciones digitales: 3.2 millones de transacciones mensuales

Programas de participación comunitaria

El banco mantiene Programas de inversión comunitaria activa Con las siguientes características:

Categoría de programa	Inversión anual	Número de comunidades atendidas
Desarrollo de la comunidad local	$ 2.3 millones	48 comunidades
Soporte de pequeñas empresas	$ 1.7 millones	36 redes comerciales locales

Canales de servicio al cliente dedicados

La infraestructura de atención al cliente incluye:

• Soporte telefónico 24/7: 3 centros de llamadas
• Tiempo de respuesta promedio: 2.4 minutos
• Representantes de servicio al cliente: 412 miembros del personal

Gestión de relaciones para cuentas comerciales y personales

Northwest Bancshares ofrece servicios especializados de gestión de relaciones:

Tipo de cuenta	Cuentas totales	Gerentes de relaciones dedicadas
Cuentas personales	287,456	156 gerentes
Cuentas comerciales	42,789	89 gerentes

Northwest Bancshares, Inc. (NWBI) - Modelo de negocios: canales

Ubicaciones de ramas físicas

A partir de 2024, Northwest Bancshares, Inc. opera 142 ubicaciones de sucursales físicas principalmente en Pensilvania, Ohio, Nueva York e Indiana.

Estado	Número de ramas
Pensilvania	89
Ohio	31
Nueva York	15
Indiana	7

Plataforma bancaria en línea

Northwest Bancshares ofrece una plataforma de banca en línea integral con las siguientes características:

• Gestión de cuentas
• Servicios de pago de facturas
• Transferencias de fondos
• Historial de transacciones
• Declaraciones electrónicas

Aplicación de banca móvil

La aplicación móvil del banco admite Más de 75,000 usuarios de banca móvil activa con funcionalidades que incluyen:

• Depósito de cheque móvil
• Alertas de cuenta
• Retiros de cajero automático sin tarjeta
• Transferencias de dinero instantáneos

Servicios de banca telefónica

Northwest Bancshares ofrece banca telefónica 24/7 a través de un centro de servicio al cliente dedicado que se maneja aproximadamente 42,000 interacciones del cliente mensualmente.

Red de cajeros automáticos

Tipo de cajero automático	Número total
Cajeros automáticos	168
ATM de red compartidos	387
Acceso total en cajero automático	555

Northwest Bancshares, Inc. (NWBI) - Modelo de negocios: segmentos de clientes

Consumidores bancarios minoristas

A partir del cuarto trimestre de 2023, el noroeste de Bancshares atiende a aproximadamente 235,000 clientes bancarios minoristas en Pensilvania, Ohio, Nueva York y Massachusetts.

Demográfico del cliente	Porcentaje
Cuentas corrientes personales	42%
Cuentas de ahorro personal	33%
Clientes adultos jóvenes (18-35)	22%

Empresas pequeñas a medianas

Northwest Bancshares admite 15.750 clientes comerciales pequeños a medianos con servicios financieros especializados.

• Portafolio de préstamos comerciales: $ 487 millones
• Tamaño promedio del préstamo comercial: $ 129,000
• Clientes de banca de negocios por industria

Sector industrial	Porcentaje de clientes comerciales
Minorista	24%
Servicios profesionales	19%
Cuidado de la salud	16%

Empresas comerciales locales

Northwest Bancshares atiende a 3.200 clientes comerciales locales con préstamos comerciales totales en $ 752 millones en 2023.

Inversores personales y comerciales

El segmento de servicios de inversión incluye 47,500 cuentas de inversión con activos totales bajo una administración de $ 1.3 mil millones.

Tipo de cuenta de inversión	Número de cuentas
Cuentas de jubilación	28,500
Cuentas de corretaje	12,000
Gestión de patrimonio	7,000

Organizaciones comunitarias y organizaciones sin fines de lucro

Northwest Bancshares apoya a 620 organizaciones comunitarias con servicios bancarios especializados sin fines de lucro.

• Cartera bancaria total sin fines de lucro: $ 95 millones
• Valor de cuenta sin fines de lucro promedio: $ 153,225

Northwest Bancshares, Inc. (NWBI) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

Para el año fiscal 2023, el noroeste de Bancshares reportó gastos de operación de sucursales totales de $ 94.3 millones.

Categoría de gastos	Monto ($)
Alquiler y ocupación	38,600,000
Utilidades	12,700,000
Mantenimiento	15,200,000
Seguridad	7,800,000

Mantenimiento de la infraestructura tecnológica

Noroeste de Bancshares invertido $ 42.6 millones en Mantenimiento de infraestructura tecnológica en 2023.

• Actualizaciones de sistemas de TI: $ 18.2 millones
• Inversiones de ciberseguridad: $ 14.5 millones
• Plataforma de banca digital: $ 9.9 millones

Compensación y beneficios de los empleados

Los gastos totales relacionados con los empleados para 2023 fueron de $ 213.4 millones.

Componente de compensación	Monto ($)
Salarios base	156,800,000
Seguro médico	31,600,000
Beneficios de jubilación	25,000,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio totalizaron $ 37.2 millones en 2023.

• Tarifas legales y de consultoría: $ 22.5 millones
• Software de cumplimiento: $ 8.7 millones
• Programas de capacitación: $ 6 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 alcanzaron $ 23.8 millones.

Canal de marketing	Monto ($)
Marketing digital	9,600,000
Publicidad tradicional	7,200,000
Patrocinios comunitarios	4,500,000
Programas de adquisición de clientes	2,500,000

Northwest Bancshares, Inc. (NWBI) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, el noroeste de Bancshares informó ingresos por intereses netos de $ 475.4 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total
Inmobiliario comercial	$ 3.2 mil millones
Inmobiliario residencial	$ 2.7 mil millones
Préstamos comerciales	$ 1.5 mil millones
Préstamos al consumo	$ 687 millones

Tarifas de servicio bancario

Los cargos de servicio en cuentas de depósito generaron $ 42.3 millones en ingresos para el año 2023.

Ingresos de origen hipotecario

Los ingresos de la banca hipotecaria para 2023 totalizaron $ 18.6 millones, con:

• Volumen de origen del préstamo hipotecario: $ 412 millones
• Tamaño promedio del préstamo hipotecario: $ 287,000

Comisiones de productos de inversión

Los ingresos por servicios de inversión y seguros para 2023 fueron de $ 22.1 millones, que comprenden:

• Tarifas de gestión de patrimonio: $ 14.7 millones
• Comisiones de corretaje: $ 7.4 millones

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital ascendieron a $ 9.7 millones en 2023, con:

• Usuarios bancarios en línea: 187,000
• Usuarios de banca móvil: 156,000
• Tarifa promedio de transacción digital: $ 1.75

Flujos de ingresos totales para 2023: $ 568.1 millones

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.