← Back to Institutions
Northwest Bank
Warren, PA·FDIC Cert #28178·Charter: STATE·Est. 18960101.0·HC: NORTHWEST BANCSHARES INC
Total Assets
$16.8B
Q4 2025
Return on Assets
0.92%
+0.10%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.71%
Peer avg: 55.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.92%+0.10
ROE
8.11%+0.86
Efficiency
63.71%-1.37
Equity/Assets
0.00%+0.00
NPL Ratio
0.84%-0.17
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.94%-0.97
Charge-offs
0.25%+0.06
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.6 | 0.7 | 0.8 | 1.3 | 1.2 | 0.8 | 0.9 |
| ROE | 8.6 | 5.3 | 6.7 | 7.3 | 11.7 | 10.3 | 7.3 | 8.1 |
| Efficiency | 66.8 | 66.1 | 65.3 | 64.0 | 56.5 | 59.5 | 65.1 | 63.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.9 | 0.7 | 0.7 | 0.5 | 0.9 | 1.0 | 0.8 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.3 | 0.1 | 0.1 | 0.2 | 0.2 |
| Loan/Deposit | 91.6 | 90.5 | 90.4 | 89.5 | 89.3 | 89.8 | 91.9 | 90.9 |
Balance Sheet
Total Assets$16.8B
Total Deposits$14.2B
Total Loans$12.9B
Total Equity$2.0B
Profitability
ROA0.92%
ROE8.11%
Efficiency Ratio63.71%
Net Income$141.4M
Risk & Asset Quality
NPL Ratio0.84%
Charge-off Rate0.25%
Loan/Deposit90.94%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans