TellerScore

Headquartered in Warren, Pennsylvania, Northwest Bank is a si with $17.2B in total assets and $14.4B in deposits as of Q2 2026. It operates 165 offices across 4 states. Its charter dates back to 1896.

Based on its Q2 2026 filing, Northwest Bank scores 66/100, which we describe as moderate. That is higher than 58% of 132 banks with $10 billion – $100 billion. Among 110 banks headquartered in Pennsylvania, it ranks 60th. Its strongest component is problem-loan coverage (91/100; 4.3%), and its lowest is capital cushion (48/100; 9.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.84%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.69%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 91.0% · 27.4% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.29%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (62 → 66), mostly because the loan quality component improved by 7 points.

TellerScore
576267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202460
Q4 202461
Q1 202567
Q2 202562
Q3 202559
Q4 202561
Q1 202666
Q2 202666
Tier 1 leverage ratio
5.00%7.42%9.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.74%
Q3 20249.37%
Q4 20249.50%
Q1 20259.65%
Q2 20259.71%
Q3 20259.76%
Q4 20259.77%
Q1 20269.72%
Q2 20269.84%
Noncurrent loans
0.53%0.76%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.92%
Q3 20240.69%
Q4 20240.69%
Q1 20250.53%
Q2 20250.91%
Q3 20251.00%
Q4 20250.83%
Q1 20260.70%
Q2 20260.69%
Return on assets
0.56%0.94%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.72%
Q4 20240.79%
Q1 20251.30%
Q2 20251.16%
Q3 20250.82%
Q4 20250.92%
Q1 20261.30%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$17.2B9.84%0.69%1.32%91.0%
Q1 202666$16.9B9.72%0.70%1.30%89.5%
Q4 202561$16.8B9.77%0.83%0.92%90.9%
Q3 202559$16.4B9.76%1.00%0.82%91.9%
Q2 202562$14.5B9.71%0.91%1.16%89.8%
Q1 202567$14.5B9.65%0.53%1.30%89.3%
Q4 202461$14.5B9.50%0.69%0.79%89.5%
Q3 202460$14.4B9.37%0.69%0.72%90.4%
Q2 202457$14.4B9.74%0.92%0.56%90.5%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.84%
41st
Total risk-based capital14.04%
50th
Problem loans0.69%
47th
Net charge-offs0.15%
45th
Return on assets1.32%
56th
Net interest margin3.88%
70th
Efficiency ratio55.4%
45th
Loans to deposits91.0%
29th
Uninsured deposits27.4%
76th
Loan-loss reserves1.13%
50th
Texas ratio4.3%
41st

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Dollar Bank, Federal Savings BankBank Pittsburgh, PA62 out of 100, Moderate$12.7B11.0%0.72%vs
First Commonwealth BankBank Indiana, PA65 out of 100, Moderate$12.2B10.2%0.89%vs
TriState Capital BankBank Pittsburgh, PA56 out of 100, Moderate$24.3B7.4%0.30%vs
Customers BankBank Malvern, PA65 out of 100, Moderate$26.5B9.3%0.33%vs
BNY Mellon, National AssociationBank Pittsburgh, PA57 out of 100, Moderate$30.6B6.5%0.06%vs
Fulton Bank, National AssociationBank Lancaster, PA65 out of 100, Moderate$32.6B10.2%0.71%vs

Deposit insurance

Is my money safe at Northwest Bank?

Yes. Northwest Bank is an FDIC-insured institution (FDIC certificate #28178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.4% of deposits ($3.9B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.04% (benchmark: 10%).

Check how much of your own balance is covered

165 locations

Branches

Northwest Bank lists 153 offices in 120 cities across 4 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 158 consumer complaints about NORTHWEST BANCSHARES INC to the company (76 in the last 12 months). 100.0% received a timely response. That is 11.0 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Northwest Bank reported 5,827 home-loan applications under HMDA (LEI LVR1UQE8OOCO93IHEB52): 4,158 originated ($560,380,000 total), 1,087 denied, and 539 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Northwest Bank
Former names
Northwest Savings Bank; Northwest Mutual Savings Association
Type
SI
FDIC certificate #
28178
RSSD ID
1002878
Primary regulator
FDIC
Holding company
Northwest Bancshares Inc
Established
January 1, 1896
Headquarters
100 Liberty St, Warren, PA 16365
Employees
2,183

Quick answers

Northwest Bank: common questions

Is Northwest Bank FDIC insured?

Yes. Northwest Bank is an FDIC-insured institution (FDIC certificate #28178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northwest Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Northwest Bank ever failed?

There is no failure record for FDIC certificate #28178 in the FDIC failed bank list.

How many branches does Northwest Bank have?

165 offices as of the latest FDIC data, in 4 states.

Nearby

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