Northwest Bancshares, Inc. (NWBI): Modelo de Negócios Canvas [Jan-2025 Atualizado]

A Northwest Bancshares, Inc. (NWBI) representa uma instituição financeira dinâmica que navega estrategicamente no complexo cenário bancário através de uma tela de modelo de negócios meticulosamente criada. Ao misturar princípios bancários tradicionais da comunidade com inovação digital de ponta, o NWBI se posicionou como um versátil provedor de serviços financeiros que atende a diversos segmentos de clientes em toda a Pensilvânia e Ohio. Essa abordagem abrangente permite que o banco forneça soluções bancárias personalizadas, alavancem os avanços tecnológicos e mantenham relacionamentos locais fortes, gerando vários fluxos de receita que impulsionam o crescimento sustentável e a satisfação do cliente.

Northwest Bancshares, Inc. (NWBI) - Modelo de negócios: Parcerias -chave

Instituições financeiras locais e regionais para serviços bancários colaborativos

No quarto trimestre 2023, o Northwest Bancshares mantém parcerias estratégicas com 47 instituições financeiras locais e regionais em toda a Pensilvânia, Ohio e Nova York.

Tipo de parceria	Número de instituições	Serviços colaborativos
Redes bancárias compartilhadas	23	ATM e serviços de transação
Acordos de empréstimos interbancários	12	Trocas de instalações de crédito
Plataformas cooperativas regionais	12	Infraestrutura bancária digital

Provedores de seguros para ofertas integradas de produtos financeiros

O Northwest Bancshares colabora com 8 provedores de seguros primários para oferecer produtos financeiros abrangentes.

• Parceria de Seguro em todo o país
• Acordo de Colaboração da Fazenda Estadual
• Liberty Mutual Financial Integration
• Travelers Insurance Concloweting Acording

Fornecedores de tecnologia que suportam plataformas bancárias digitais

Em 2023, a Northwest Bancshares investiu US $ 12,3 milhões em parcerias de tecnologia com provedores de soluções bancárias digitais.

Parceiro de tecnologia	Valor do investimento	Serviço primário
Soluções Fiserv	US $ 5,7 milhões	Software bancário principal
Jack Henry & Associados	US $ 3,9 milhões	Plataforma bancária digital
TEMENOS GROUP AG	US $ 2,7 milhões	Tecnologia bancária em nuvem

Redes de pequenas empresas e organizações de desenvolvimento comunitário

O Northwest Bancshares se envolve ativamente com 62 redes de pequenas empresas em suas regiões operacionais.

• Parceria para Administração de Pequenas Empresas (SBA)
• Colaborações da Câmara de Comércio Locais
• Conselhos de Desenvolvimento Econômico Comunitário
• Redes regionais de suporte ao empreendedorismo

Provedores de serviços de hipoteca e empréstimo

O banco mantém parcerias com 15 provedores de serviços de hipoteca e empréstimos, facilitando US $ 487 milhões em origens de empréstimos em 2023.

Parceiro de empréstimo	Volume de empréstimo	Especialização
Quicken empréstimos	US $ 156 milhões	Hipotecas residenciais
Wells Fargo Mortgage	US $ 122 milhões	Serviços de refinanciamento
Pennymac Financial	US $ 98 milhões	Empréstimos não conformes
Outros fornecedores	US $ 111 milhões	Diversas soluções de empréstimos

Northwest Bancshares, Inc. (NWBI) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, a Northwest Bancshares opera 164 escritórios bancários comunitários em toda a Pensilvânia, Ohio, Nova York e Indiana. Total de ativos relatados em US $ 47,4 bilhões.

Categoria de serviço bancário	Volume total (2023)
Contas bancárias de varejo	US $ 23,6 bilhões
Empréstimos bancários comerciais	US $ 14,2 bilhões
Bancos de pequenas empresas	US $ 3,8 bilhões

Gerenciamento de produtos de depósito e empréstimo

Northwest Bancshares gerencia diversas portfólio de produtos financeiros.

• Total de depósitos: US $ 40,1 bilhões
• Receita líquida de juros: US $ 535,2 milhões
• Composição do portfólio de empréstimos:
  • Imóveis comerciais: 42%
  • Hipotecas residenciais: 33%
  • Empréstimos ao consumidor: 25%

Desenvolvimento da plataforma bancária digital

Os canais bancários digitais processaram US $ 12,7 bilhões em transações durante 2023.

Canal digital	Engajamento do usuário
Usuários bancários móveis	387,000
Contas bancárias online	542,000
Volume de transação digital	US $ 12,7 bilhões

Gerenciamento de riscos e monitoramento de conformidade

Alocação de orçamento de conformidade: US $ 24,3 milhões em 2023.

• Equipe de conformidade regulatória: 87 profissionais
• Investimento em tecnologia de conformidade: US $ 5,6 milhões
• Cobertura da estrutura de gerenciamento de riscos:
  • Risco de crédito
  • Risco operacional
  • Risco de mercado
  • Risco de liquidez

Relacionamento do cliente e serviços de consultoria financeira

Os serviços de consultoria financeira geraram US $ 127,5 milhões em receita durante 2023.

Serviço de consultoria	Receita
Gestão de patrimônio	US $ 82,3 milhões
Aviso de investimento	US $ 45,2 milhões

Northwest Bancshares, Inc. (NWBI) - Modelo de negócios: Recursos -chave

Rede de filiais

A partir do quarto trimestre 2023, o Northwest Bancshares opera 168 escritórios bancários totais entre:

• Pensilvânia: 112 ramos
• Ohio: 56 ramos

Categoria de recursos	Ativos específicos	Quantidade/valor
Ativos físicos	Total de agências bancárias	168
Recursos financeiros	Total de ativos	US $ 14,5 bilhões (31 de dezembro de 2023)
Infraestrutura digital	Plataformas bancárias online	Serviços bancários móveis e web

Infraestrutura bancária digital

Northwest Bancshares fornece serviços bancários digitais abrangentes incluindo:

• Aplicativo bancário móvel
• Gerenciamento de contas on -line
• Sistemas de pagamento digital
• Captura de depósito remoto

Recursos Humanos

A partir de 2023, o Northwest Bancshares emprega Aproximadamente 1.200 profissionais em suas regiões operacionais.

Sistemas de Tecnologia Financeira

O investimento em plataformas de tecnologia inclui:

• Infraestrutura avançada de segurança cibernética
• Sistemas bancários baseados em nuvem
• Ferramentas de gerenciamento de riscos automatizados

Banco de dados do cliente

Northwest Bancshares mantém Mais de 250.000 contas de clientes nos segmentos bancários pessoais e comerciais.

Northwest Bancshares, Inc. (NWBI) - Modelo de negócios: proposições de valor

Soluções bancárias focadas na comunidade

A partir do quarto trimestre de 2023, a Northwest Bancshares opera 164 escritórios bancários comunitários em toda a Pensilvânia, Ohio, Nova York e Indiana. O total de ativos relatados foi de US $ 24,3 bilhões.

Presença geográfica	Número de ramificações	Total de ativos da comunidade
Pensilvânia	98	US $ 14,7 bilhões
Ohio	33	US $ 5,2 bilhões
Nova Iorque	22	US $ 3,4 bilhões
Indiana	11	US $ 1,0 bilhão

Atendimento ao cliente personalizado

Métricas de atendimento ao cliente para 2023 demonstraram:

• Classificação média de satisfação do cliente: 4.3/5
• Tempo médio de resposta para consultas de clientes: 2,1 horas
• Disponibilidade de suporte ao cliente digital: 24/7

Taxas de juros competitivas

Taxas de juros para produtos bancários primários em janeiro de 2024:

Produto	Taxa de juro
Conta de poupança pessoal	3.25%
Conta do mercado monetário	4.10%
Conta de corrente pessoal	1.50%
Empréstimos hipotecários domésticos	6.75%

Experiência bancária digital abrangente

Estatísticas bancárias digitais para 2023:

• Usuários bancários móveis: 215.000
• Transações bancárias online: 3,6 milhões mensais
• Tempo de atividade da plataforma digital: 99,98%

Tomada de decisão local e bancos baseados em relacionamento

Métricas bancárias de empréstimos e relacionamento locais:

Categoria de empréstimo	Volume total	Porcentagem de decisão local
Empréstimos para pequenas empresas	US $ 872 milhões	92%
Imóveis comerciais	US $ 1,3 bilhão	88%
Empréstimos agrícolas	US $ 246 milhões	95%

Northwest Bancshares, Inc. (NWBI) - Modelo de Negócios: Relacionamentos do Cliente

Consultas bancárias pessoais

A Northwest Bancshares oferece consultas bancárias personalizadas por meio de seus 163 filiais em toda a Pensilvânia, Ohio, Nova York e Indiana a partir de 2024.

Tipo de consulta	Duração média	Taxa de satisfação do cliente
Aviso de conta pessoal	45 minutos	87.6%
Consulta de conta comercial	60 minutos	92.3%

Suporte bancário online e móvel

Northwest Bancshares fornece serviços bancários digitais com as seguintes métricas:

• Downloads de aplicativos bancários móveis: 124.567
• Usuários ativos bancários online: 276.890
• Volume de transação digital: 3,2 milhões de transações mensais

Programas de envolvimento da comunidade

O banco mantém Programas ativos de investimento comunitário Com as seguintes características:

Categoria de programa	Investimento anual	Número de comunidades servidas
Desenvolvimento da comunidade local	US $ 2,3 milhões	48 comunidades
Suporte para pequenas empresas	US $ 1,7 milhão	36 redes de negócios locais

Canais de atendimento ao cliente dedicados

A infraestrutura de suporte ao cliente inclui:

• Suporte ao telefone 24/7: 3 call centers
• Tempo médio de resposta: 2,4 minutos
• Representantes de atendimento ao cliente: 412 funcionários

Gerenciamento de relacionamento para contas comerciais e pessoais

Northwest Bancshares fornece serviços especializados de gerenciamento de relacionamento:

Tipo de conta	Contas totais	Gerentes de relacionamento dedicados
Contas pessoais	287,456	156 gerentes
Contas de negócios	42,789	89 gerentes

Northwest Bancshares, Inc. (NWBI) - Modelo de Negócios: Canais

Locais de ramificação física

A partir de 2024, a Northwest Bancshares, Inc. opera 142 localizações de filiais físicas principalmente em toda a Pensilvânia, Ohio, Nova York e Indiana.

Estado	Número de ramificações
Pensilvânia	89
Ohio	31
Nova Iorque	15
Indiana	7

Plataforma bancária online

Northwest Bancshares fornece uma plataforma bancária on -line abrangente com os seguintes recursos:

• Gerenciamento de contas
• Serviços de pagamento de contas
• Transferências de fundos
• Histórico de transações
• States eletrônicos

Aplicativo bancário móvel

O aplicativo móvel do banco suporta Mais de 75.000 usuários de bancos móveis ativos com funcionalidades, incluindo:

• Depósito de cheque móvel
• Alertas da conta
• Retiradas de caixas eletrônicos sem cartão
• Transferências de dinheiro instantâneas

Serviços bancários telefônicos

O Northwest Bancshares oferece o Banking por telefone 24/7 por meio de um centro de atendimento ao cliente dedicado, lidando aproximadamente 42.000 interações com o cliente mensalmente.

Rede ATM

Tipo de atm	Número total
Caixas eletrônicos de propriedade de bancos	168
Caixas eletrônicos de rede compartilhada	387
Acesso total ao caixa eletrônico	555

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

Consumidores bancários de varejo

A partir do quarto trimestre de 2023, a Northwest Bancshares atende a aproximadamente 235.000 clientes bancários de varejo em toda a Pensilvânia, Ohio, Nova York e Massachusetts.

Demografia demográfica do cliente	Percentagem
Contas de corrente pessoal	42%
Contas de poupança pessoal	33%
Clientes adultos jovens (18-35)	22%

Pequenas e médias empresas

A Northwest Bancshares suporta 15.750 clientes comerciais pequenos e médios com serviços financeiros especializados.

• Portfólio de empréstimos comerciais: US $ 487 milhões
• Tamanho médio do empréstimo comercial: US $ 129.000
• Clientes bancários de negócios pela indústria

Setor da indústria	Porcentagem de clientes comerciais
Varejo	24%
Serviços profissionais	19%
Assistência médica	16%

Empresas comerciais locais

A Northwest Bancshares atende 3.200 clientes comerciais locais com empréstimos comerciais totais em US $ 752 milhões em 2023.

Investidores pessoais e de negócios

O segmento de serviços de investimento inclui 47.500 contas de investimento com ativos totais sob gestão de US $ 1,3 bilhão.

Tipo de conta de investimento	Número de contas
Contas de aposentadoria	28,500
Contas de corretagem	12,000
Gestão de patrimônio	7,000

Organizações comunitárias e organizações sem fins lucrativos

O Northwest Bancshares suporta 620 organizações comunitárias com serviços bancários especializados sem fins lucrativos.

• Portfólio bancário sem fins lucrativos: US $ 95 milhões
• Valor médio da conta sem fins lucrativos: US $ 153.225

Northwest Bancshares, Inc. (NWBI) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

Para o ano fiscal de 2023, o Northwest Bancshares registrou despesas totais de operação de US $ 94,3 milhões.

Categoria de despesa	Valor ($)
Aluguel e ocupação	38,600,000
Utilitários	12,700,000
Manutenção	15,200,000
Segurança	7,800,000

Manutenção de infraestrutura de tecnologia

Northwest Bancshares investiu US $ 42,6 milhões em Manutenção de Infraestrutura de Tecnologia em 2023.

• Atualizações de sistemas de TI: US $ 18,2 milhões
• Investimentos de segurança cibernética: US $ 14,5 milhões
• Plataforma bancária digital: US $ 9,9 milhões

Compensação e benefícios dos funcionários

As despesas totais relacionadas aos funcionários em 2023 foram de US $ 213,4 milhões.

Componente de compensação	Valor ($)
Salários da base	156,800,000
Seguro de saúde	31,600,000
Benefícios de aposentadoria	25,000,000

Custos de conformidade regulatória

Despesas de conformidade regulatória totalizaram US $ 37,2 milhões em 2023.

• Taxas legais e de consultoria: US $ 22,5 milhões
• Software de conformidade: US $ 8,7 milhões
• Programas de treinamento: US $ 6 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 atingiram US $ 23,8 milhões.

Canal de marketing	Valor ($)
Marketing digital	9,600,000
Publicidade tradicional	7,200,000
Patrocínio da comunidade	4,500,000
Programas de aquisição de clientes	2,500,000

Northwest Bancshares, Inc. (NWBI) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, o Northwest Bancshares registrou receita de juros líquidos de US $ 475,4 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total
Imóveis comerciais	US $ 3,2 bilhões
Imóveis residenciais	US $ 2,7 bilhões
Empréstimos comerciais	US $ 1,5 bilhão
Empréstimos ao consumidor	US $ 687 milhões

Taxas de serviço bancário

As taxas de serviço nas contas de depósito geraram US $ 42,3 milhões em receita para o ano de 2023.

Receitas de originação hipotecária

As receitas bancárias de hipotecas para 2023 totalizaram US $ 18,6 milhões, com:

• Volume de originação de empréstimos hipotecários: US $ 412 milhões
• Tamanho médio de empréstimo hipotecário: US $ 287.000

Comissões de produtos de investimento

A receita de serviços de investimento e seguro para 2023 foi de US $ 22,1 milhões, compreendendo:

• Taxas de gerenciamento de patrimônio: US $ 14,7 milhões
• Comissões de corretagem: US $ 7,4 milhões

Taxas de transação bancária digital

As taxas de transação bancária digital totalizaram US $ 9,7 milhões em 2023, com:

• Usuários bancários online: 187.000
• Usuários bancários móveis: 156.000
• Taxa média de transação digital: US $ 1,75

Fluxos totais de receita para 2023: US $ 568,1 milhões

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.