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Northwest Bancshares(NWBI) - 2025 Q2 - Earnings Call Presentation

Financial Performance - Northwest Bancshares' total assets reached $14.5 billion for the quarter ended June 30, 2025[6] - Diluted EPS was $0.26, with an adjusted (non-GAAP) EPS of $0.30[6] - Net interest margin (NIM) stood at 3.56%[6] - Revenue increased by 53.5% year-over-year (YoY)[18], driven by higher average loan yields and reduced deposit costs[16] Balance Sheet and Loan Portfolio - Total deposits amounted to $12.2 billion[6] - Total loans reached $11.3 billion[6] - Commercial C&I loan growth increased by 19% YoY[16] - Average loans grew by $72 million quarter-over-quarter (QoQ), with a shift towards commercial loans[19] Penns Woods Acquisition - The merger with Penns Woods successfully closed on July 25, 2025[12] - Equity consideration paid for the acquisition was $230.2 million[12] - The acquisition is expected to result in a 23.4% EPS accretion in 2026[12] - Anticipated cost savings from the merger are projected to be $13 million in 2026, representing 40% of Penns Woods' non-interest expense (NIE)[12]