Northwest Bank

Second At Liberty
Warren, PA 16365


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 28178
Date Established 1896
Assets $10.41 billion
Loans $8.53 billion
Deposits $8.77 billion
Capital $1.33 billion

Northwest Bank is an FDIC insured institution located in Warren, PA. It was founded in 1896 and has approximately $10.41 billion in assets. Customers can open an account at one of its 201 branches.

For a more detailed analysis of Northwest Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 20, 2019

Your Current Location: Virginia, VA 20146

30 Mo CD
0.55% $500 - Learn MoreShow Less
30 Mo CD
0.50% $500 - Learn MoreShow Less

Loan Rates - August 20, 2019

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


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Financial Details

Northwest Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northwest Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Northwest Bank U.S. Bank Average
5.44% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Northwest Bank had $72,866,000 in non-current loans and $2,345,000 in owned real estate. To cover these potential losses it had $1,327,942,000 in equity and $55,721,000 in loans loss reserves. That gives it a Texas Ratio of 5.44%.

Return on Equity
Northwest Bank U.S. Bank Average
8.27% 9.47%

Northwest Bank has a Return on Equity of 8.27% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Northwest Bank U.S. Bank Average
12.76% 12.49%

Northwest Bank has a Capitalization of 12.76% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Northwest Bank Balance Sheet Analysis

As of March 31, 2019, Northwest Bank had assets of $10,406,158,000, loans of $8,527,786,000, and deposits of $8,772,111,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.19 billion
Interest-bearing balances $0.02 billion
Total securities $0.86 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $8.53 billion
Loan loss allowance $0.06 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.37 billion
All other assets $0.27 billion
     Total Assets $9.08 billion
Total deposits $8.77 billion
      Interest-bearing deposits $6.71 billion
      Deposits held in domestic offices $8.77 billion
      % insured (estimated) 83.54%
Federal funds purchased and repurchase agreements $0.10 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.06 billion
Subordinated debt $0.00 billion
All other liabilities $0.15 billion
      Total Liabilities $9.08 billion
      Shareholders’ Equity $1.33 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.10 billion
Total Interest Expense $0.01 billion
Net interest income $0.09 billion
Provision for loan and lease losses $0.01 billion
Total non interest income $0.02 billion
Total non interest expense $0.07 billion
Pre-tax Net Operating Income $0.03 billion

Bank Loan Profile?

The top three loan types in Northwest Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Consumer Auto Loans.

Compared to other banks in Pennsylvania, Northwest Bank has a significantly higher percent of Credit Card Loans, Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.07
Credit Card Loans 0.64
Consumer Auto Loans 8.42
Small Business Loans 6.64
Construction and Development Loans 3.85
Commercial Real Estate 19.95
Commercial and Industrial Loans 6.61
Farm Loans 0.14

Frequently Asked Questions About Northwest Bank

Branches and Savings

Is Northwest Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28178.

Why does Northwest Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Northwest Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Northwest Bank a commercial bank?


Where are Northwest Bank locations?

See branch locations nearby.

Is Northwest Bank open on Saturdays?

Is Northwest Bank open on Sundays?

What time does Northwest Bank open?

What time does Northwest Bank close?

Are Northwest Bank ATMs Open 24/7?

Do Northwest Bank ATMs accept cash deposits?

Can Northwest Bank customers use other ATMs?

Do Northwest Bank branches have notaries?

Will Northwest Bank notarize my document?

What address for Northwest Bank should I put for incoming ACH transfers?

Will the Northwest Bank branch print checks?

Do Northwest Bank checks expire?

Does Northwest Bank require US citizenship to open account?

Can Northwest Bank close my account?

Does Northwest Bank Report to credit bureaus?

Does Northwest Bank Use Equifax?

What is Northwest Bank's ACH Routing Number?

What is Northwest Bank's SWIFT code?


Does Northwest Bank offer mortgages?

Compare mortgage rates here.

Does Northwest Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Northwest Bank offer personal loans?

Compare personal loan rates here.

Does Northwest Bank offer student loans?

Will Northwest Bank cash a check?

Will Northwest Bank redeem a savings bond?

Does Northwest Bank cash savings bonds?

Will Northwest Bank cash money orders?

Can Northwest Bank issue a money order?

Does Northwest Bank do currency exchange?

Background on The Bank

Who owns Northwest Bank?

How long has Northwest Bank been around?

Can Northwest Bank transfer to other banks?

Does Northwest Bank have quick pay?

Does Northwest Bank accept rolled coins?

Will Northwest Bank accept loose change?

Where is Northwest Bank headquarters?

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