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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Northwest Bank

Warren, Pennsylvania · $17.21B in assets · beside the 7 other Pennsylvania banks over $10B

The filing

14.8%
CRE / loans
2nd of 8
1.32%
ROA
2nd of 8
109.4%
CRE / capital
2nd of 8

Northwest Bank is the sixth largest of the 8 Pennsylvania banks over $10B, with $17.21B in assets at 30 June 2026. Loans are 92.1% of deposits, 6th of 8 against a median of 90.5%, and equity is 11.6% of assets, 3rd of 8. Loans grew +16.6% in the year, 3rd of 8, and deposits grew 15.0%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.69% of the book, 5th of 8 against a median of 0.54%; 0.31% is 30 to 89 days past due, and the allowance covers them 1.6 times. Net charge-offs are 0.15% of loans, 4th of 8. Commercial real estate is 14.8% of loans, 2nd of 8 against a median of 24.6%, and 109% of capital, below the 300% screen, with construction at 8% against the 100% screen.

Return on assets is 1.32%, 2nd of 8 against a median of 1.18%, on an efficiency ratio of 56.6%, 5th of 8. Five years ago it was 1.29%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansPA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 24.6% BM BNY Mellon National Association 4.2% NB Northwest Bank 14.8% TC Tristate Capital Bank 16.8% FN First National Bank of Pennsylvania 24.2% DB Dollar Bank FSB 25.0% CB Customers Bank 25.3% FB Fulton Bank National Association 26.8% FC First Commonwealth Bank 29.7%
Loans, year over yearPA banks over $10B · 30 June 2026 · no better direction, largest first
median +4.5% TC Tristate Capital Bank +23.5% CB Customers Bank +16.9% NB Northwest Bank +16.6% DB Dollar Bank FSB +5.8% FN First National Bank of Pennsylvania +3.1% FB Fulton Bank National Association +1.5% FC First Commonwealth Bank -1.1% BM BNY Mellon National Association -1.2%

SBA 7(a), FY2008 to FY2026

Northwest Bank is the 16th largest 7(a) lender into Ohio of 361, with $170M across 418 loans, 1.1% of everything approved in the state (The Huntington National Bank leads with $5.20B). 76 of its 213 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cuyahoga, OH$49M6th of 1452.6%+1.2 pts
Erie, PA$33M1st of 5621.2%-0.9 pts
Franklin, OH$27M17th of 1661.3%thin
Lorain, OH$27M2nd of 697.9%+13.4 pts
Erie, NY$26M6th of 943.1%+6.5 pts
Allegheny, PA$21M10th of 1401.6%+2.2 pts
Summit, OH$13M15th of 1061.5%-0.1 pts
Marion, IN$11M31st of 1720.7%+2.9 pts
Lancaster, PA$9M19th of 1041.7%+1.2 pts
Knox, ME$8M1st of 3116.0%thin
Rockingham, NH$8M16th of 1081.4%thin
Delaware, IN$7M4th of 476.1%+12.7 pts
Niagara, NY$7M5th of 445.5%+2.0 pts
200 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance184$90M14.7%0.19%82nd of 2,172
Manufacturing157$79M12.9%0.20%86th of 2,246
Accommodation & food services243$79M12.9%0.10%170th of 2,596
Construction153$61M9.9%0.19%84th of 2,063
Wholesale trade73$54M8.9%0.21%84th of 1,651
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and Northwest Bank
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans NB Northwest Bank 1.1% $170M · 418 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Northwest BankRankCohort median
Total CRE against capital, the 300% screen109%2nd of 8172%
Construction against capital, the 100% screen8%3rd of 818%
Construction and land development, share of loans1.1%4th of 82.4%
Non-owner-occupied nonfarm nonresidential, share of loans10.2%3rd of 812.6%
Total CRE, the guidance definition, share of loans14.8%2nd of 824.6%
CRE growth over 36 months, the third prong-4.2%1st of 8+13.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank of Pennsylvania$50.80B1.2%53.2%0.38%0.19%1.2%92.2%13.4%
Fulton Bank National Association$32.56B1.3%58.9%0.71%0.30%1.5%89.0%11.0%
BNY Mellon National Association$30.62B0.9%71.5%0.06%0.00%0.1%71.4%11.6%
Customers Bank$26.50B1.2%48.9%0.33%0.31%0.9%82.4%8.8%
Tristate Capital Bank$24.26B0.7%47.8%0.30%0.13%0.3%87.3%7.0%
Northwest Bank$17.21B1.3%56.6%0.69%0.15%1.1%92.1%11.6%
Dollar Bank FSB$12.70B0.6%72.8%0.72%0.08%1.0%99.0%10.3%
First Commonwealth Bank$12.18B1.4%53.6%0.89%0.41%1.3%92.0%12.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Northwest BankCohort median
20212026Change20212026Change
Loans$10.31B$13.24B+28%$13.64B$18.30B+34%
Deposits$12.41B$14.39B+16%$13.19B$22.10B+68%
NPA / loans2.01%0.69%-1.31 pts0.61%0.54%-0.07 pts
Efficiency61.6%56.6%-5.0 pts56.9%55.1%-1.8 pts
ROA1.29%1.32%+0.03 pts1.10%1.18%+0.07 pts

This read was prepared for Northwest Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Northwest Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks over $10B
Institution WWW.NORTHWEST.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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