Northwest Bancshares is the holding company for Northwest Bank, a Pennsylvania-chartered community bank headquartered in Warren, Pennsylvania. Northwest Bank provides personal and commercial banking to individuals and small-to-mid-sized businesses across 161 branches in Pennsylvania, western New York, northeastern Ohio, and Indiana. Northwest's core business is originating loans funded by customer deposits gathered through its branch network. The loan book totals roughly $13B, split approximately 55% consumer and 45% commercial, with commercial real estate, C&I, auto and consumer, and residential mortgage loans making up the mix. Northwest earns a spread between the interest it collects on loans and investments and the interest it pays on deposits. Northwest's deposit base is granular and low-cost, with over 723,000 accounts averaging $19,000 in balance and 12 years of average customer tenure. Beyond traditional community banking, Northwest operates national specialty lending verticals in sports finance, franchise finance, equipment finance, and SBA lending, which generate both balance sheet loans and fee income from loan sales. Northwest is actively shifting its loan mix away from long-duration fixed-rate residential mortgages toward shorter-duration consumer and floating-rate commercial loans. Northwest is also expanding geographically through de novo branches in Columbus and Indianapolis, and completed its largest acquisition in history in 2025, acquiring Penns Woods Bancorp for roughly $230M in stock, adding approximately $2.2B in assets and 20 Pennsylvania branches.