# NORTHWEST BANK
WARREN, PA · FDIC certificate 28178 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $17.21B | |
| Deposits | $14.39B | |
| Loans and leases | $13.24B | |
| Total equity | $2.00B | |
| Loans / deposits | 91.03% (p71 of band) | 85.78% |
| Liquid assets / assets | 15.83% (p17 of band) | |
| Uninsured deposits / deposits | 27.43% (p25 of band) | 38.39% |
| Brokered deposits | 1.40% | |
| Wholesale funding | 4.96% (p35 of band) | |
| FHLB advances / assets | 3.56% | |
| Tier 1 leverage | 9.84% (p41 of band) | 10.17% |
| Unrealized securities loss / equity | -11.19% (p30 of band) | -7.43% |
| AOCI / equity | -0.60% (p33 of band) | |
| ROA (annualized) | 1.32% (p57 of band) | 1.24% |
| Net interest margin | 3.88% (p71 of band) | 3.57% |
| Efficiency ratio | 55.39% (p55 of band) | |
| Noncurrent loans | 0.69% (p54 of band) | 0.66% |
| Net charge-offs (annualized) | 0.12% (p62 of band) | |
| Reserve coverage of noncurrent | 162.44% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 7.14% (p22 of band) | |
| Auto loans | $2.52B (19.06% of loans; DQ 0.63%, NCO 0.04%) | |
| Loans to nondepository financials | $65.0M (3% of equity) (p36 of band) | |
| Deposits YoY | 15.0% | |
| Employees | 2183 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | capital falling, charge-offs p90 |  |
| 2014-09 | 3 | loans exceed deposits | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2015-09 | 2 | reserve under noncurrent | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | expense ratio p90 |  |
| 2016-09 | 3 | capital falling | loans exceed deposits |
| 2016-12 | 2 |  | expense ratio p90 |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 3 | liquid assets <10% |  |
| 2019-03 | 1 |  | charge-offs p90, liquid assets <10% |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2019-12 | 2 |  | loans exceed deposits |
| 2020-03 | 0 |  | reserve under noncurrent, liquid assets <10% |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | noncurrent p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | reserve under noncurrent |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-26 [Northwest Bank moving corporate offices to new Ohio site - - Times Observer](https://news.google.com/rss/articles/CBMisAFBVV95cUxNZ2JzeDVLT29uTjVQcHNULUpnR0JaNWEzUEhJUHpPVWlyVVIyeHFBUERTMzhzZXZtOU0waW1sQzZfVEhWRjY0OWdvUUdMMlB5Q2tWVFJPWEZXMTBWaC1xRk1LdDR3UHhnY0FLR2VPZkNpQnd3VmVfN3RDRkNER2RYenJIanU3NEhJSVJXaVdDVmNrNlBtMExwWl8xcnFicGhiMmxtb2VaUjZGcVM1MTByOQ?oc=5) · Times Observer
- 2026-08-28 [Northwest Bank announces plan for new headquarters in Dublin, OH - yourerie.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNVzhOcVRBTU41MUgzSnVkQl9yV3BHY1Z3OXB5T0NOczNlcktBWEg0b3RpRHNXQkpxYVhWMUxtNmZHQVRodXI2b2dNMHpWbUNDbHdQY1VDWjRwU2NLcmwyOFlwOGZZWnp5T3NiR0dFZjlXMjZ5TXh1d3FVV1gtMm1zMm8tYjRlbHJPWkNWUWp6UDYzT3ZhajZlM2stWGxXaGJnUVFiUUlidkjSAa4BQVVfeXFMTTM5TDhncHltM2Jkdl90WHc4RDZqblNBRGRiRkdJQ1hVc0ZyUnpJbVJqQlo1NmoyaGJ2TGZPdVJaenNWcnRaUGZBeS1hbl9RUDA4RnpaZnR6dkI1OVZ1UnZzV2VhNndtOVZfdmhhalo4QXBLNndWdzVoOFFOU0Z5X1pFZ25pNGQ0Y2VycDNzVVZPM2J4SHhQeGtWRk1LamtkbDdRMnZSdFFZVmpBQUJ3?oc=5) · yourerie.com
- 2026-08-27 [Northwest Bank Announces 2029 Headquarters Move - erienewsnow.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNXzlqT01ibV9xNW1SYXVuX2ZwaTNFTnJ2MUZHVXlGUklfSk4tZDB6TmpISUtObGVYSFRBSVN0LXM0UU43MDlkQWV5eHA3ZVRyNmFHTk02YkJab3ZWenlHUnhIejdVT0RSWEtFdzJqOXcxaXZYZVVuMmJlZDAtOEVIRFdRaE4yWV9mRGJHM2RCTGcxckc5ajVURUxBdDZGc2g3U0V3UTJoaktVTDB5dGx2Ni1rOHFnQ0ZyRjc0WUN6T1NBSmZpUEhfa25R?oc=5) · erienewsnow.com
- 2025-11-28 [Northwest Bank Accelerates Growth and Transformation in 2025 - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMipwFBVV95cUxOZ0gycTFJT0xsTWRhcEtia2NWUWRFTDdoODJnZWY0S2JVSnBEeGl6Y25JcHNXcTNwUWdxckduZFNpYlBzQ3NULTFmMklVVndHWktEZXozVjVZeEpYb0lpZGxXcmRjYk1OQnlNbjNoYlhPaF9SaXEtSHJ5TGlVT19MQmRHdkZ2Q2Y4cWozSTFQb3J2anJmYnNReHRKOVVtTXhXVHNhS1JScw?oc=5) · Pennsylvania Business Central
- 2025-12-22 [Northwest Bank's former top WNY executive to depart at year's end - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdkd4TFhxc0N5NS1OQ3lwZVNaeUIxakM4RjBuTmV2OC00OGEwdzMwT0E2Sm40dnpyZXN3R09NZHF1bkNsUm0zcVROeFJZMFVjX2NqRTctcXZFUW5lVGJRUmhkWU8wZzJhekxLRG1ZOHlZVjBIZGVzSy1PUXA5bGgxUFlxbmViLUN5OU9weXdsSC1xTkFHbk1zci1xMmFoanJSYmc?oc=5) · The Business Journals
- 2025-10-03 [Matthew Bower joins Northwest Bank in Newly Created Role of Managing Director, Wealth Management - AdvisorHub](https://news.google.com/rss/articles/CBMizgFBVV95cUxQTE9yVFU4U1ViU3hXTlFkZ2dmb2ZYRnhyaFM0ZUtBc2pxUmkzU3BtOUl3Q1hIaUNjREhxc0VyOU16MzlHdjFEdWpSWFNwakNVWUpLSUpYRHVGOFpnUS1VR3RMR1VHN290NnliMnNWeXpTYVc2TE5ic3BOclRWdVZZMXBVcUtLa2dSYnp2Y000VlNWVWxiZnpINDk5TDZlUldubGtRMUNaRDFNZmhLakRpTFlfNFZPTGhwcVBiTmpVMnpCUEtqdEJ2NFFuMUZJdw?oc=5) · AdvisorHub
- 2025-10-21 [Michael Kashnicki | Northwest Bank - Lehigh Valley Business](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9UVzdYeE1FVTFMTWc4LUNQcU16cUxQQlBZOFBQR1NlOHExWGhMcHgwTFJDNEw0Ty13T21yQnFtMW1mbmZYM29aUXRSNFpxeFFzc1Fkam9aV0cxQkNfYWc?oc=5) · Lehigh Valley Business
- 2025-10-22 [City OKs liquor license transfer from Porter Twp.; Former Northwest Bank building looks to development with new owner - lockhaven.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNREgyT2liZmhSQW9pZjBzS2NlSEJIZDdXU1pNdjAwaFBkQ0FJUk1oVmxLa0liMGFuTTFHTzFhYUFlVVVkQmIyaEhUTnRuMVRrUTZUTzA4VjZlS1ZBUTBfM1Q3MUhWVTBMRVhPYkE4MEI3eGtRSGxBeFNMamdQQmZ0Ym9URS1NenJ3ZzNBV1FTQUhIa0FkTUc5RkRfQ3JERVk4bGZudWwzdl9ycTlXLUdoVTlfQzNWQzdQSHUxemp3dmNvTU5lZ1lCaEE3YUVtN25KcEpUYjZWU2tTRTFtaklMTXFaR3lRS0p0bm5yd3RVX3BaVW9CRXN6WHZR?oc=5) · lockhaven.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28178 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "28178", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide