Northwest Bank
Warren, Pennsylvania, Warren County
$17.2B in total assets, the 119th largest of 4,309 US banks and 6th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 28178
- Established
- 1896
- Owned by
- Northwest Bancshares Inc
- Primary regulator
- FDIC
- Website
- WWW.NORTHWEST.COM
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $17.2B | 35% | $22.5B | |
| Loans | $13.2B | 42% | $14.5B | |
| Deposits | $14.4B | 36% | $18.4B | |
| Return on assets | 1.04% | 29% | 1.30% | |
| Net interest margin | 3.88% | 69% | 3.61% | |
| Efficiency ratio | 55.4% | 52% | 55.1% | |
| Equity to assets | 11.60% | 51% | 11.57% | |
| Loans to deposits | 92% | 71% | 87% |
Growth
Total assets grew 3.6% a year over the last 5 years and 6.7% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2025 | Jersey Shore State Bank Williamsport, PA | $1.6B |
| Jul 2025 | The Luzerne Bank Luzerne, PA | $722M |
| Apr 2020 | MutualBank Muncie, IN | $2.1B |
| Mar 2019 | Union Community Bank Mount Joy, PA | $554M |
| Aug 2015 | The Lorain National Bank Lorain, OH | $1.2B |
| Oct 2009 | Keystone State Savings Bank Sharpsburg, PA | $25M |
| Jun 2007 | CSB Bank Curwensville, PA | $208M |
| May 2006 | Maryland Permanent Bank & Trust Company Owings Mills, MD | $94M |
| Oct 2005 | Equinox Bank, FSB Pembroke Pines, FL | $85M |
| May 2005 | Jamestown Savings Bank Lakewood, NY | $422M |
| Nov 2004 | First Carnegie Deposit Carnegie, PA | $96M |
| Sep 2004 | Leeds Federal Savings Bank Baltimore, MD | $468M |
| Oct 2003 | Bell Federal Savings and Loan Association Bellevue, PA | $818M |
| Sep 2002 | Prestige Bank, A Federal Savings Bank Pittsburgh, PA | $189M |
| Oct 1998 | Corry Savings Bank Corry, PA | $28M |
| Feb 1997 | Bridgeville Savings Bank, F.S.B. Bridgeville, PA | $56M |
| Apr 1996 | The First National Bank of Centre Hall Centre Hall, PA | $39M |
| Mar 1996 | First Federal Savings Bank of Kane Kane, PA | $48M |
| Mar 1992 | American Federal Saving Franklin, PA | $118M |
| Jun 1990 | Steitz Savings and Loan Association Lebanon, PA | $62M |
| Apr 1990 | Horizon Savings Association Lewistown, PA | $35M |
| Sep 1985 | Bakerstown Savings and Loan Association Valencia, PA | $26M |
| Jan 1984 | Mutual Savings and Loan Association Erie, PA | n/a |
| Apr 1983 | Ridgway Federal Savings and Loan Association Ridgway, PA | n/a |
Where they operate
161 branches in 43 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Warren County, PA | $2.4B | 89.1% | 1 of 6 |
| Erie County, NY | $2.0B | 3.1% | 6 of 20 |
| Erie County, PA | $1.3B | 16.5% | 3 of 11 |
| Lorain County, OH | $704M | 10.9% | 3 of 17 |
| Niagara County, NY | $675M | 18.2% | 3 of 8 |
| Lancaster County, PA | $568M | 3.0% | 8 of 25 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 18 branches since 2016 (179 to 161, −10.1%). 23 opened, 70 acquired, 111 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 179 | |||
| 2016 | Opened BuffaloClosed 22 in 3 states | 1 | 22 | −21 | 158 |
| 2017 | Sold 3 branches to Shore United Bank, National AssociationOpened 19 in New York, closed Williamsville | 19 | 4 | +15 | 173 |
| 2019 | Acquired Union Community BankOpened Buffalo, closed 4 in 2 states | 14 | 4 | +10 | 183 |
| 2020 | Acquired MutualBankOpened Muncie, closed 48 in 4 states | 36 | 48 | −12 | 171 |
| 2022 | Closed 20 in 4 states | 0 | 20 | −20 | 151 |
| 2023 | Closed 8 in 3 states | 0 | 8 | −8 | 143 |
| 2024 | Closed 4 in 2 states | 0 | 4 | −4 | 139 |
| 2025 | Acquired Jersey Shore State Bank and The Luzerne BankOpened Fishers, closed Lock Haven | 23 | 1 | +22 | 161 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 36% | 21% | |
| Consumer | 21% | 9% | |
| Business (C&I) | 21% | 17% | |
| Commercial real estate | 15% | 25% | |
| Multifamily | 4% | 8% | |
| Construction and land | 1% | 6% | |
| Other | 1% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 62% | |
| Noninterest-bearing | 23% | 20% | |
| Time deposits | 20% | 18% |
Brokered deposits are 1.7% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.63% | 0.63% |
| Net charge-offs, annualized | 0.15% | 0.14% |
| Reserves to loans | 1.13% | 1.15% |
| Leverage ratio | 9.84% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Warren County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/northwest-bank-warren-pa