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FIXnotes

NORTHWEST BANK

BANK

WARREN, PA · SI

Total Assets
$17.2B
—
Total Loans
$13.2B
—
4.3%
-0.0
NORTHWEST BANK in PA reported a Texas Ratio of 4.3% in Q2 2026, remaining stable from the prior quarter. Nonperforming assets declined to 0.69%, down -0.01pp from Q2 2026's predecessor.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)————
Commercial real estate————
Construction & land————
FOUNDATION Multifamily — Unlock to view
FOUNDATION Non-residential CRE — Unlock to view
FOUNDATION Residential real estate — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION Other loans — Unlock to view
FOUNDATION 1-4 family — 1st lien — Unlock to view
FOUNDATION 1-4 family — junior lien — Unlock to view
FOUNDATION 1-4 family — HELOC — Unlock to view
FOUNDATION Multifamily — Unlock to view
FOUNDATION CRE — owner-occupied — Unlock to view
FOUNDATION CRE — non-owner-occupied — Unlock to view
FOUNDATION Construction — 1-4 family — Unlock to view
FOUNDATION Construction — other — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Pennsylvania mortgage-note market & lender distress →

Recent acquisitions

Institutions NORTHWEST BANK absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • Jersey Shore State BankWilliamsport, PA · Jul 25, 2025 · Merger
    Inherited NPL volume
    $9M
    Inherited NPL %
    0.70%
    Total loans inherited
    $1.4B
    Total assets inherited
    $1.6B
    YTD charge-offs (at close)
    $695K
    Last filing
    Jun 30, 2025
  • The Luzerne BankLuzerne, PA · Jul 25, 2025 · Merger
    Inherited NPL volume
    $2M
    Inherited NPL %
    0.29%
    Total loans inherited
    $550M
    Total assets inherited
    $722M
    YTD charge-offs (at close)
    $379K
    Last filing
    Jun 30, 2025