Northwest Bancshares (NWBI) 10-K 24 Feb 23 2022 FY Annual report Financial data

Cover

Cover - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Feb. 17, 2023	Jun. 30, 2022
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2022
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-34582
Entity Registrant Name	NORTHWEST BANCSHARES, INC.
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	27-0950358
Entity Address, Address Line One	3 Easton Oval,
Entity Address, City or Town	Columbus,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43219
City Area Code	814
Local Phone Number	726-2140
Title of 12(b) Security	Common Stock, $0.01 Par Value
Trading Symbol	NWBI
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		127,047,704
Entity Public Float			$ 1,624
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE Proxy Statement for the 2023 Annual Meeting of Stockholders of the Registrant (Part III).
Entity Central Index Key	0001471265
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Amendment Flag	false

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2022
Audit Information [Abstract]
Auditor Name	KPMG LLP
Auditor Location	Pittsburgh, PA
Auditor Firm ID	185

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and cash equivalents	$ 139,365	$ 1,279,259
Marketable securities available-for-sale (amortized cost of $1,431,728 and $1,565,002, respectively)	1,218,108	1,548,592
Marketable securities held-to-maturity (fair value of $751,384 and $751,513, respectively)	881,249	768,154
Total cash and cash equivalents and marketable securities	2,238,722	3,596,005
Loans held-for-sale	9,913	25,056
Loans held for investment	10,910,539	9,991,336
Allowance for credit losses	(118,036)	(102,241)
Loans receivable, net	10,802,416	9,914,151
FHLB stock, at cost	40,143	14,184
Accrued interest receivable	35,528	25,599
Real estate owned, net	413	873
Premises and equipment, net	145,909	156,524
Bank-owned life insurance	255,062	256,213
Goodwill	380,997	380,997
Other intangible assets, net	8,560	12,836
Other assets	205,574	144,126
Total assets	14,113,324	14,501,508
Liabilities:
Deposits	11,464,548	12,301,165
Borrowed funds	681,166	139,093
Subordinated debt	113,840	123,575
Junior subordinated debentures	129,314	129,054
Advances by borrowers for taxes and insurance	47,613	44,582
Accrued interest payable	3,231	1,804
Other liabilities	182,126	178,664
Total liabilities	12,621,838	12,917,937
Shareholders’ equity:
Preferred stock, $0.01 par value: 50,000,000 authorized, no shares issued	0	0
Common stock, $0.01 par value: 500,000,000 shares authorized, 127,028,848 and 126,612,183 shares issued and outstanding, respectively	1,270	1,266
Additional paid-in capital	1,019,647	1,010,405
Retained earnings	641,727	609,529
Accumulated other comprehensive loss	(171,158)	(37,629)
Total shareholders’ equity	1,491,486	1,583,571
Total liabilities and shareholders’ equity	$ 14,113,324	$ 14,501,508

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Marketable securities available-for-sale, amortized cost	$ 1,431,728	$ 1,565,002
Securities held-to-maturity	$ 751,384	$ 751,513
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	50,000,000	50,000,000
Preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	127,028,848	126,612,183
Common stock, shares outstanding (in shares)	127,028,848	126,612,183

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest income:
Loans receivable	$ 407,828	$ 390,343	$ 410,907
Mortgage-backed securities	30,804	21,463	17,416
Taxable investment securities	3,070	2,616	1,985
Tax-free investment securities	2,767	2,485	2,060
FHLB stock dividends	730	407	981
Interest-earning deposits	3,599	1,194	719
Total interest income	448,798	418,508	434,068
Interest expense:
Deposits	14,120	19,122	35,896
Borrowed funds	13,997	8,124	6,444
Total interest expense	28,117	27,246	42,340
Net interest income	420,681	391,262	391,728
Current period provision	17,860	(11,883)	83,975
Net interest income after provision for credit losses	402,821	403,145	307,753
Noninterest income:
(Loss)/gain on sale of investments	(8)	(176)	236
Gain on sale of loans	0	0	1,302
Service charges and fees	55,188	51,837	55,613
Trust and other financial services income	27,765	27,921	20,922
Insurance commission income	0	3,633	9,132
Gain/(loss) on real estate owned, net	603	442	(106)
Income from bank-owned life insurance	7,129	6,050	5,190
Mortgage banking income	4,865	15,892	31,391
Gain on sale of insurance business	0	25,327	0
Other operating income	15,307	11,963	8,585
Total noninterest income	110,849	142,889	132,265
Noninterest expense:
Compensation and employee benefits	188,359	193,887	178,375
Premises and occupancy costs	29,618	31,073	30,622
Office operations	13,318	13,769	15,728
Collections expense	1,808	1,932	3,275
Processing expenses	52,496	55,763	50,050
Marketing expenses	9,095	8,237	7,695
Federal deposit insurance premiums	4,778	4,975	4,767
Professional services	14,703	17,621	12,482
Amortization of intangible assets	4,277	5,553	6,856
Real estate owned expense	223	298	359
Merger, asset disposition and restructuring expense	5,617	3,453	20,789
Other expenses	15,686	8,349	16,494
Total noninterest expense	339,978	344,910	347,492
Income before income taxes	173,692	201,124	92,526
Provision for income taxes:
Federal	30,910	35,306	14,896
State	9,116	11,495	2,776
Total provision for income taxes	40,026	46,801	17,672
Net income available to common shareholders	$ 133,666	$ 154,323	$ 74,854
Basic earnings per share (in dollars per share)	$ 1.05	$ 1.22	$ 0.62
Diluted earnings per share (in dollars per share)	$ 1.05	$ 1.21	$ 0.62

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 133,666	$ 154,323	$ 74,854
Net unrealized holding (losses)/gains on marketable securities:
Unrealized holding (losses)/gains, net of tax of $45,321, $10,333, and $(5,607), respectively	(151,888)	(28,873)	13,711
Reclassification adjustment for gains included in net income, net of tax of $0, $92, and $6, respectively	(1)	(287)	(15)
Net unrealized holding (losses)/gains on marketable securities	(151,889)	(29,160)	13,696
Change in fair value of interest rate swaps:
Unrealized holding losses on interest rate swaps, net of tax of $0, $0, and $209, respectively	0	0	(946)
Reclassification adjustment for losses included in net income, net of tax of $0, $0, and $(209), respectively	0	0	946
Net change in fair value of interest rate swaps	0	0	0
Defined benefit plan:
Net gain/(loss), net of tax $(7,182), $(9,144), $4,169, respectively	18,884	23,748	(11,301)
Reclassification adjustments for prior period service costs and actuarial (gains)/losses included in net income, net of tax of $202, $(515), and $(395), respectively	(524)	1,332	997
Net gain/(loss) on defined benefit plans	18,360	25,080	(10,304)
Other comprehensive (loss)/income	(133,529)	(4,080)	3,392
Total comprehensive income	$ 137	$ 150,243	$ 78,246

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statement of Comprehensive Income [Abstract]
Income tax (expense) benefit related to unrealized holding gains/ losses on securities	$ 45,321	$ 10,333	$ (5,607)
Income tax (expense) benefit related to (gain) loss on securities	0	92	6
Unrealized holding losses on interest rate swaps, tax	0	0	209
Reclassification adjustment for losses included in net income, tax	0	0	(209)
Net loss, tax	(7,182)	(9,144)	4,169
Reclassification adjustments for prior period service costs and net losses included in net income, tax	$ 202	$ (515)	$ (395)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Common  stock	Additional paid-in capital	Retained earnings	Retained earnings Cumulative Effect, Period of Adoption, Adjustment	Accumulated other comprehensive income/(loss)
Balance at beginning of the period at Dec. 31, 2019	$ 1,353,285	$ (9,649)	$ 1,069	$ 805,750	$ 583,407	$ (9,649)	$ (36,941)
Net income
Net income	74,854				74,854
Other comprehensive (loss) income net of tax	3,392						3,392
Total comprehensive income	78,246				74,854		3,392
Acquisition of Mutual Bank	213,406		206	213,200
Exercise of stock options	1,479		1	1,478
Share repurchases	(9,276)		(7)	(9,269)
Stock-based compensation expense	4,239		3	4,236
Stock-based compensation forfeited	0		(2)	2
Other	105			105
Dividends paid	(93,132)				(93,132)
Balance at end of the period at Dec. 31, 2020	1,538,703		1,270	1,015,502	555,480		(33,549)
Net income
Net income	154,323				154,323
Other comprehensive (loss) income net of tax	(4,080)						(4,080)
Total comprehensive income	150,243				154,323		(4,080)
Exercise of stock options	14,011		12	13,999
Share repurchases	(23,854)		(18)	(23,836)
Stock-based compensation expense	4,742		3	4,739
Stock-based compensation forfeited	0		(1)	1
Dividends paid	(100,274)				(100,274)
Balance at end of the period at Dec. 31, 2021	1,583,571		1,266	1,010,405	609,529		(37,629)
Net income
Net income	133,666				133,666
Other comprehensive (loss) income net of tax	(133,529)						(133,529)
Total comprehensive income	137				133,666		(133,529)
Exercise of stock options	5,173		4	5,169
Stock-based compensation expense	4,074		1	4,073
Stock-based compensation forfeited	(1)		(1)
Dividends paid	(101,468)				(101,468)
Balance at end of the period at Dec. 31, 2022	$ 1,491,486		$ 1,270	$ 1,019,647	$ 641,727		$ (171,158)

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statement of Stockholders' Equity [Abstract]
Other comprehensive income, tax (expense) benefit	$ 38,341	$ 766	$ (1,827)
Dividends paid, per share (in dollars per share)	$ 0.80	$ 0.79	$ 0.76

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating activities:
Net income	$ 133,666	$ 154,323	$ 74,854
Adjustments to reconcile net income to net cash provided by operating activities:
Current period provision	17,860	(11,883)	83,975
Net (gain)/loss on sale of assets	42	(1,201)	(3,249)
Mortgage banking activity	(3,512)	(20,120)	(25,798)
Gain on sale of insurance business	0	(25,327)	0
Net depreciation, amortization and accretion	6,448	6,633	4,738
(Increase)/decrease in other assets	(33,751)	22,163	(16,097)
Increase in other liabilities	30,230	4,025	47,018
Net amortization on marketable securities	4,808	7,757	3,797
Noncash compensation expense related to stock benefit plans	4,074	4,742	4,239
Noncash write-down of real estate owned	54	173	321
Deferred income tax (benefit)/expense	(5,504)	12,314	(8,084)
Origination of loans held-for-sale	(362,867)	(752,831)	(729,939)
Proceeds from sale of loans held-for-sale	383,883	804,690	704,660
Net cash provided by operating activities	175,431	205,458	140,435
Investing activities:
Purchase of marketable securities held-to-maturity	(212,892)	(658,817)	(164,629)
Purchase of marketable securities available-for-sale	(102,178)	(705,146)	(830,487)
Proceeds from maturities and principal reductions of marketable securities held-to-maturity	98,701	68,495	3,760
Proceeds from maturities and principal reductions of marketable securities available-for-sale	231,728	449,372	392,511
Proceeds from sale of marketable securities available-for-sale	0	59,579	1,096
Proceeds of bank-owned life insurance	5,096	3,984	596
Loan originations	(4,585,563)	(3,961,816)	(4,655,969)
Loan purchases	(371,121)	0	0
Proceeds from loan maturities and principal reductions	4,047,147	4,490,089	4,383,933
Proceeds from sale of loans held for investment	0	0	50,791
Net (proceeds)/redemptions of FHLB stock	(25,959)	7,564	6,107
Proceeds from sale of real estate owned	1,633	2,700	1,651
Proceeds from sale of real estate owned for investment, net	305	305	607
Purchases of premises and equipment	(4,320)	(17,517)	(12,254)
Proceeds from sale of insurance business	0	28,238	0
Acquisitions, net of cash received	0	0	261,712
Net cash used in investing activities	(917,423)	(232,970)	(560,575)
Financing activities:
Net (decrease)/increase in deposits	(836,617)	701,932	1,390,187
Proceeds from long-term borrowings	0	0	123,211
Repayments of long-term borrowings	(10,094)	(22,105)	(206,908)
Net increase/(decrease) in short-term borrowings	542,073	1,432	(108,675)
Increase/(decrease) in advances by borrowers for taxes and insurance	3,031	(648)	(1,315)
Cash dividends paid on common stock	(101,468)	(100,274)	(93,132)
Proceeds from stock options exercised	5,173	14,011	1,479
Purchase of common stock for retirement	0	(23,854)	(9,276)
Net cash (used)/provided by financing activities	(397,902)	570,494	1,095,571
Net (decrease)/increase in cash and cash equivalents	(1,139,894)	542,982	675,431
Cash and cash equivalents at beginning of period	1,279,259	736,277	60,846
Cash and cash equivalents at end of period	139,365	1,279,259	736,277
Cash paid during the period for:
Interest on deposits and borrowings (including interest credited to deposit accounts of $13,399, $18,711, and $34,313, respectively)	26,690	27,496	41,428
Income taxes	39,365	33,576	29,767
Business acquisitions:
Fair value of assets acquired	0	0	2,090,599
Northwest Bancshares, Inc. common stock issued	0	0	(213,406)
Net cash paid	0	0	0
Liabilities assumed	0	0	1,877,193
Noncash activities:
Loan foreclosures and repossessions	4,076	4,897	5,643
Sale of real estate owned financed by the Company	$ 175	$ 54	$ 126

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statement of Cash Flows [Abstract]
Interest on deposits and borrowings, interest credited to deposit accounts	$ 13,399	$ 18,711	$ 34,313

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies (a) Nature of Operations Northwest Bancshares, Inc., a Maryland corporation headquartered in Columbus, Ohio, is the b ank holding company for its wholly owned subsidiary, Northwest Bank. Northwest Bank, a Pennsylvania chartered savings bank, offering a complete line of business and personal banking products, as well as treasury management solutions and wealth management services through its 150 banking locations in Pennsylvania, New York, Ohio, and Indiana. We have determined that we have one reportable business segment. (b) Principles of Consolidation The Consolidated Financial Statements include the accounts of the Company and its wholly owned subsidiaries after elimination of all intercompany accounts and transactions. (c) Cash and Cash Equivalents For purposes of the statements of financial condition and cash flows, cash and cash equivalents include cash and amounts due from banks, interest-bearing deposits in other financial institutions, federal funds sold, and other short-term investments with original maturities of three months or less. (d) Marketable Securities We classify marketable securities at the time of purchase as held-to-maturity, available-for-sale, or trading. Securities for which management has the intent and ability to hold until maturity are classified as held-to-maturity and are carried at cost, adjusted for amortization of premiums and accretion of discounts on a level yield basis (amortized cost). If it is management’s intent at the time of purchase to hold securities for an indefinite period of time and/or to use such securities as part of its asset/liability management strategy, the securities are classified as available-for-sale and are carried at fair value, with unrealized gains and losses reported as accumulated other comprehensive income/(loss), a separate component of shareholders’ equity, net of tax. Securities classified as available-for-sale include securities that may be sold in response to changes in interest rates, resultant prepayment risk, or other market factors. Securities that are bought and held principally for the purpose of selling them in the near term are classified as trading and are reported at fair value, with changes in fair value included in earnings. The cost of securities sold is determined on a specific identification basis. We held no securities classified as trading at or during the years ended December 31, 2022 and 2021. Fair values are determined as described in Note 15. Throughout the year we validate the prices received from third parties by comparing them to prices provided by a different independent pricing service. We have reviewed the detailed valuation methodologies provided to us by our pricing services. On a quarterly basis, we measure expected credit losses on held-to-maturity debt securities on a collective basis by major security type and all of our held-to-maturity debt securities are residential mortgage-backed securities. Accrued interest receivable on held-to-maturity debt securities total ed $2.8 million and $2.2 million at December 31, 2022 and December 31, 2021, respectively, and is excluded from estimated credit losses. All of our r esidential mortgage-backed securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. For available-for-sale debt securities in an unrealized loss position, on at least a quarterly basis, we review our investments for impairment. An investment security is deemed impaired if the fair value of the investment is less than its amortized cost. We consider both our intent to sell and the likelihood that we will not have to sell the investment securities before recovery of their amortized cost basis during our evaluation. If we intend to sell the investment security or if it is more likely than not that we will be required to sell the investment security, the entire impairment is recorded in earnings. For available-for-sale debt securities that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment we consider the issuer of the securities and their creditworthiness, any changes to the rating of the security and any adverse conditions specifically related to the security, among other factors. Also, we may evaluate the business and financial outlook of the issuer, as well as broader economic performance indicators. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security is compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than amortized cost. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when we believe the uncollectibility of an available-for-sale security is confirmed or when there is an intent or requirement to sell the security. Accrued interest receivable on available-for-sale debt securities totale d $2.0 million and $1.9 million at December 31, 2022 and December 31, 2021, respectively , and is excluded from the estimate of credit losses. A debt security is placed on nonaccrual status at the time any principal or interest payments become 90 days past due. The receivable for interest income that is accrued but not collected is reversed against interest income when the debt security is placed on nonaccrual status. (e) Loans Receivable Our portfolio segments are based on the class of financing receivable. Additionally, the class of financing receivables are based on several factors including the method for monitoring and assessing credit risk and the risk characteristics of the financing receivables. Based on evaluation of the nature of our financing receivables, along with the nature and extent of exposure to credit risk arising from these receivables, our portfolio segments were determined to be Personal Banking and Business Banking loans. • Personal Banking loans consist of the following classes of financing receivables: ◦ Residential mortgage loans - fixed and adjustable rate mortgage loans ◦ Home equity loans - first and second mortgage loans and home equity lines of credit ◦ Vehicle loans - direct and indirect automobile and motorcycle loans ◦ Consumer loans - unsecured lines of credit, credit card loans, and other consumer loans • Business Banking loans consist of the following classes of financing receivables: ◦ Commercial real estate - multi-family commercial real estate loans are secured by multi-family residences, such as rental properties and loans secured by nonresidential properties such as hotels, commercial offices, medical buildings, manufacturing facilities and retail establishments, excluding owner-occupied loans, and including small business commercial real estate loans ◦ Commercial real estate - owner-occupied loans - commercial real estate loans secured by residential or non-residential properties ◦ Commercial loans - other commercial loans, including small business commercial loans and equipment finance loans Loans are reported at amortized cost. Amortized cost is the principal balance outstanding, net of any deferred purchased premiums an d discounts, deferred origination fees or costs and the allowance for credit losses. Accrued interest receivable totaled $30.4 million and $21.3 million at December 31, 2022 and December 31, 2021, respectively, and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition. Accrued interest receivable is excluded from the amortized cost basis of loans and from the estimate of allowance for credit losses. Interest income on loans is credited to income as earned. Interest earned on loans for which no payments were received during the month is accrued at month end. Generally accrued interest on loans more than 90 days delinquent is reversed and such loans are placed on nonaccrual status, except for credit card loans which are not placed in nonaccrual status based on delinquency. All loans are placed on nonaccrual status when principal or interest is 90 days or more delinquent or when there is reasonable doubt that interest or principal will not be collected in accordance with the contractual terms. Interest receipts on all nonaccrual loans are recognized as interest income when it has been determined that all principal and interest will be collected or are applied to principal when collectability of contractual principal is in doubt. Nonaccrual loans generally are restored to an accrual basis when principal and interest become current and a period of performance has been established in accordance with the contractual terms, typically six months. A loan is considered to be a troubled debt restructuring loan (“TDR”) when the borrower is experiencing financial difficulties and the restructuring constitutes a concession. TDRs may include modifications of terms of loans, receipts of assets from borrowers in partial or full satisfaction of loans, or a combination thereof. A modified loan is determined to be a TDR based on the contractual terms as specified by the original loan agreement or the most recent modification. Once classified as a TDR, a loan is removed from such classification under three circumstances: (1) the loan is paid off, (2) the loan is charged off, or (3) if, at the beginning of the current fiscal year, the loan has performed in accordance with the modified terms for a minimum of six consecutive months and at the time of modification the loan’s interest rate represented a then current market interest rate for a loan of similar risk. Loan delinquency is measured based on the number of days since the payment due date. Past due status is measured using the loan’s contractual maturity date. Personal Banking loans are charged-off or charged down when they become 180 da ys delinquent, unless the borrower has filed for bankruptcy. Business Banking loans are charged-off or charged down when, in our opinion, they are no longer collectible or when it has been determined that the collateral value no longer supports the carrying value of the loan for loans that are collateral dependent. Loan fees and certain direct loan origination costs are deferred and the net deferred fee or cost is then recognized using the level-yield method over the contractual life of the loan as an adjustment to interest income. We identify certain residential mortgage loans which will be sold prior to maturity, as loans held-for-sale. These loans are recorded at fair value less estimated cost to sell. At December 31, 2022 and 2021, there were $9.9 million and $25.1 million of residential mortgage loans classified as held-for-sale, respectively. Acquired loans that are not considered purchased with credit deterioration (“PCD”) are initially measured at fair value with no carryover of the related allowance for credit losses. Determining the fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest. Acquired loans may be classified as PCD loans upon acquisition if they have experienced more than insignificant credit deterioration since origination. Loans are considered to have experienced more than insignificant credit deterioration if they are greater than 30 days past due, classified special mention or worse or on nonaccrual status. An allowance for credit losses on day 1 is determined using the same methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The allowance is recognized on day 1 by adding it to the fair value of the loan, which is the “Day 1 amortized cost”. There is no credit loss expense recognized on PCD loans because the initial allowance is established by grossing-up the amortized cost of the PCD loan. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through provision expense. (f) Allowance for Credit Losses and Provision for Credit Losses The allowance for credit losses is deducted from, or added to, the loan’s amortized cost basis to present the net amount expected to be collected on our lending portfolios. We estimate the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Loans are charged off against the allowance when we believe that a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Expected credit losses are estimated over the contractual term of the loans, adjusted for prepayments. The contractual term excludes expected extensions, renewals and modifications unless we had a reasonable expectation at the reporting date that a TDR will be executed for an individual borrower or the extension or renewal option is included in the contract and is not unconditionally cancellable by the Company. Credit card receivables do not have stated maturities. In determining the estimated life of a credit card receivable, we first estimate the future cash flows expected to be received and then apply those expected future cash flows to the credit card balance. The allowance for credit losses is measured on a collective (“pool”) basis when similar risk characteristics exist. For the purpose of calculating portfolio-level reserves, we have grouped our loans into seven segments: residential mortgage loans, home equity loans, vehicle loans, consumer loans, commercial real estate loans, commercial real estate owner-occupied and commercial loans. The allowance for credit losses is measured at the pool level utilizing loan-level inputs wherever possible. We use a twenty-four month forecasting period and revert to historical average loss rates thereafter. The reasonable and supportable forecast is based on a probability-weighted multiple economic scenario approach and obtained from a third party vendor. Reversion to the mean takes place over a twelve-month period. Our loss rate models utilize a linear reversion method. For our probability of default (“PD”)/loss given default (“LGD”) models we revert the PD utilizing exponential reversion, which is an accelerated method, and the LGD utilizing a linear reversion method. Historical average loss rates are calculated using historica l data beginning in 2009 through the current period. As part of the analysis as of December 31, 2022, we considered the most recent economic conditions and forecasts available. Mortgage and Home Equity Loans The allowance for credit losses within the mortgage and home equity loan pools is calculated using a non-discounted cash flow method through a PD and LGD model developed by an external third-party. These classes are further divided into smaller pools of loans with similar risk characteristics such as: lines versus loans, fixed versus variable, senior lien position versus junior lien position, among other things. For each pool, the models project default rates, prepayment rates, and severity rates. The models accept as inputs key risk drivers such as: current balance, original credit bureau score, original loan-to-value ratio, type of collateral, location of collateral, delinquency status, loan age, among other characteristics. They also utilize macroeconomic forecasts of home price indices, unemployment rates, gross domestic product, and others. Vehicle Loans The allowance for credit losses within the vehicle loan pool is calculated using a non-discounted cash flow model through a PD and LGD model developed by an external third-party. These classes are further divided into smaller pools of loans with similar risk characteristics such as: cars, trucks and powersport vehicles and recreational vehicles. Monthly probabilities of default and prepayments are estimated for each loan, along with estimates of exposure at default and loss given default. The model accepts as inputs key risk drivers such as loan, borrower, and collateral characteristics. It also uses macroeconomic forecasts of used car price indices, gross domestic product, unemployment rates and others. Consumer Loans The allowance for credit losses within the consumer loan portfolio is calculated at the portfolio-level using a non-discounted cash flow method through a suite of loss rate models developed internally with the assistance of an external third-party. This class of financing receivables is further divided into credit cards, unsecured lines of credit and other consumer loans. The allowance for credit losses for credit cards and unsecured lines of credit is calculated using two transition matrix models to project portfolio-level net charge-off rates. Both models use current balance and delinquency status as key risk drivers. These models are not natively sensitive to macroeconomic conditions. The necessary adjustments to account for current and expected macroeconomic conditions is captured via our qualitative adjustment framework. For other consumer loans, a regression model is used to project portfolio-level net charge-off rates. This model uses borrower information and macroeconomic forecasts as key inputs. Commercial Real Estate Loans The commercial real estate loan class is further segmented into smaller pools of loans with similar risk characteristics, commercial real estate loans and small business commercial real estate loans. The allowance for credit losses for the commercial real estate loan portfolio is calculated at the pool level using a non-discounted cash flow method through a PD/LGD model developed by an external third-party. This model projects default and severity rates. The model accepts as inputs key risk drivers such as: current balance, original loan-to-value-ratio, type of collateral, location of collateral, delinquency status, loan age, obligor financial statement information, and expected prepayment rates, among other characteristics. It also utilizes macroeconomic forecasts of commercial real estate price indices, unemployment rates, gross domestic product and others. The allowance for credit losses is calculated for commercial real estate small business loans at the portfolio-level using a non-discounted cash flow method through a loss rate model developed internally with the assistance of an external third-party. A regression model is used to project portfolio-level net charge-off rates. This model uses loan characteristics and macroeconomic forecasts as key inputs. Commercial Loans and Commercial Real Estate - Owner Occupied Loans The commercial loan class is further segmented into smaller pools of loans with similar risk characteristics, commercial loans, commercial small business loans and commercial equipment finance loans. The allowance for credit losses for the commercial loan portfolio and the commercial real estate - owner occupied loan portfolio is calculated at the pool level using a non-discounted cash flow method through a PD/LGD model developed by an external third-party. The commercial loan portfolio and the commercial real estate owner occupied loan portfolio models project default and severity rates. The model accepts as inputs key risk drivers such as the obligor financial statement information, collateral type, the obligor’s primary industry, expected prepayment rates, among other characteristics. It also utilizes macroeconomic forecasts of unemployment rates, gross domestic product, corporate bond spreads, and others. The allowance for credit losses for commercial small business loans is calculated at the portfolio-level using a non-discounted cash flow method through a loss rate model developed internally with the assistance of an external third-party. A regression model is used to project portfolio-level net charge-off rates. This model uses loan characteristics and macroeconomic forecasts as key inputs. The allowance for credit losses for commercial equipment finance loans is calculated at the portfolio-level using a weighted-average remaining maturity method through an internally developed model. This model uses loan characteristics including, delinquency status and years to maturity. This model is not natively sensitive to macroeconomic conditions. The necessary adjustments to account for current and expected macroeconomic conditions is captured via our qualitative adjustment framework. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not also included in the collective evaluation. When we determine that foreclosure is probable or when the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs. If this criteria is not met, a discounted cash flow method is used to determine the allowance for credit losses. All changes in the discounted cash flow method over time are reported in the allowance for credit losses. The allowance calculation is also supplemented with qualitative reserves that takes into consideration the current portfolio and specific risk characteristics, such as changes in underwriting standards, portfolio mix, delinquency level, or term, as well as changes in environmental conditions, among other factors, that have occurred but are not yet reflected in the quantitative model component. The allowance for credit losses on a TDR is measured using the same method as all other loans held for investment, except when the value of the concession cannot be measured using a method other than the discounted cash flow method. When the value of a concession is measured using the discounted cash flow method, the allowance for credit losses is determined by discounting the expected future cash flows at the original interest rate of the loan. For off-balance-sheet credit exposures, we estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable. The liability for credit losses on off-balance-sheet credit exposures is adjusted through a provision for credit loss expense and is included within other expense on the Consolidated Statements of Income. We estimate the liability balance using relevant available information, from internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. The estimate includes a consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. Off-balance-sheet exposures that are not unconditionally cancellable have been identified for the mortgage, home equity, commercial real estate, and commercial loan portfolios. (g) Real Estate Owned Real estate owned is comprised of property either acquired through foreclosure or voluntarily conveyed by borrowers. These assets are recorded on the date acquired at the lower of the loan balance or fair value of the collateral, less estimated disposition costs, with the fair value being determined by an appraisal. Any initial write-down is charged to the allowance for credit losses. Subsequently, foreclosed assets are valued at the lower of the amount recorded at acquisition date or the current fair value, less estimated disposition costs. Any subsequent write-down or gains or losses realized from the disposition of such property are credited or charged to noninterest income. (h) Restricted Investment in FHLB Stock Federal law requires a member institution of the FHLB system to hold stock of its district FHLB according to a predetermined formula. FHLB stock is carried at cost and evaluated for impairment based on the ultimate recoverability of the par value. FHLB stock can only be purchased, redeemed and transferred at par value. Dividends are reported in interest income in the Consolidated Statements of Income. (i) Premises and Equipment Premises and equipment are carried at cost, less accumulated depreciation and amortization. Depreciation is accumulated on a straight-line basis over the estimated useful lives of the related assets. Estimated lives range from three . Amortization of leasehold improvements is accumulated on a straight-line basis over the terms of the related leases or the useful lives of the related assets, whichever is shorter. (j) Goodwill Goodwill is generated from the premium paid for an acquisition and is allocated to reporting units, which are either our reportable segments or one level below. Reporting units are identified based upon analyzing each individual operating segment. A reporting unit is defined as a distinct, separately identifiable component of an operating segment for which complete, discrete financial information is available that management regularly reviews. Goodwill is not subject to amortization but is tested for impairment at least annually and possibly more frequently if certain events occur or changes in circumstances arise. In testing goodwill for impairment, we have the option to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying value. If, after assessing all events and circumstances, we determine it is not more likely than not that the fair value of a reporting unit is less than its carrying value, then performing the two-step impairment test would be unnecessary. However, if we conclude otherwise, it would then be required to perform the first step of the goodwill impairment test and continue to the second step, if necessary. Step 1 requires the fair value of each reporting unit be compared to its carrying amount, including goodwill. Determining the fair value of a reporting unit requires a high degree of subjective judgment, including developing cash flow projections, selecting appropriate discount rates, identifying relevant market comparables, incorporating general economic and market conditions and selecting an appropriate control premium. We have established June 30 of each year as the date for conducting our annual goodwill impairment assessment. Quarterly, we evaluate if there are any triggering events that would require an update to our previous assessment. We conducted our annual impairment assessment as o f June 30, 2022 b y first performing a qualitative assessment of goodwill to determine if it was more likely than not that the fair value was less than the carrying value. In performing a qualitative analysis, factors considered include, but are not limited to, macroeconomic conditions, industry and market conditions and overall financial performance. The results of the qualitative assessme nt for 2022 i ndicated that it was not more likely than not that the fair value of the reporting unit was less than the carrying value. Consequently, no additional quantitative impairment test was required and no impairment was recorded in 2022. Future events could cause us to conclude that goodwill has become impaired, which would result in recording an impairment loss. There were no changes in our operations that would cause us to update the assessment performed as of June 30, 2022 and 2021. Accordingly, we have determined that goodwill is not impaired as of December 31, 2022 and 2021. (k) Core Deposit and Other Identifiable Intangibles Through the assistance of an independent third party, we analyze and prepare a core deposit study for all bank acquisitions or other identifiable intangible asset study, such as customer lists, for all non-bank acquisitions. The core deposit study reflects the cumulative present value benefit of acquiring deposits versus an alternative source of funding. The other identifiable intangible asset study reflects the cumulative present value benefit of acquiring the income stream from an existing customer base versus developing new business relationships. Based upon analysis, the amount of the premium related to the core deposits or other identifiable intangibles of the business purchased is calculated along with the estimated life of the intangible. The intangible, which is recorded in other intangible assets, is then amortized to expense on an accelerated basis over an approximate life of typically betwe en seven (l) Bank-Owned Life Insurance We own insurance on the lives of a certain group of current and former employees and directors. The policies were purchased to help offset the increase in the costs of various benefit plans, including healthcare, as well as the directors deferred compensation plan. The cash surrender value of these policies is included as an asset on the Consolidated Statements of Financial Condition and any increases in the cash surrender value are recorded as tax-free noninterest income on the Consolidated Statements of Income. In the event of the death of an insured individual covered by these policies, after distribution to the insured’s beneficiaries, if any, we receive a tax-free death benefit, which is recorded as noninterest income. (m) Deposits Interest on deposits is accrued and charged to expense monthly and is paid or credited in accordance with the terms of the accounts. (n) Revenue Recognition Revenue that is not associated with our financial assets and financial liabilities is recognized when performance obligations under the terms of a contract with our customers are satisfied. Revenue is measured as the amount of consideration we expect to receive in exchange for transferring goods or providing services. The majority of our revenue continues to be recognized at the point in time when the services are provided to our customers. (o) Pension Plans We maintain multiple noncontributory defined benefit pension plans (“Pension Plan”) for substantially all of our employees. The net periodic pension cost has been calculated using service cost, interest cost, expected returns on plan assets and net amortization. The other components of the net periodic benefit cost are included in other expense on the Consolidated Statement of Income and are reported separately from the service costs. Pension expense and obligations depend on assumptions used in calculating such amounts. These assumptions include discount rates, anticipated salary increases, interest costs, expected return on plan assets, mortality rates, and other factors. In determining the projected benefit obligations for pension benefits at December 31, 2022 and 2021, we u sed a discount rate of 4.99% and 2.75%, respectively. We use the FTSE (previously Citigroup) Pension Liability Index rates matching the duration of our benefit payments as of the measurement date, December 31, to determine the discount rate. (p) Income Taxes We join with our wholly owned subsidiaries in filing a consolidated federal income tax return. In accordance with an intercompany tax allocation agreement, the applicable federal income tax expense or benefit is allocated to each subsidiary based upon taxable income or loss calculated on a separate company basis. Each subsidiary is responsible for payment of its own federal income tax liability or receives reimbursement of federal income tax benefit. In addition, deferred taxes are calculated and maintained on a separate company basis. We account for income taxes under the asset and liability method. The objective of the asset and liability method is to establish deferred tax assets and liabilities for temporary differences between the financial reporting and tax basis of our assets and liabilities based on the tax rates expected to be in effect when such amounts are realized or settled. The effect on deferred tax assets and

Leases

Leases	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Leases	Leases Lease expense for these leases is recognized on a straight-line basis over the lease term, with variable lease payments recognized in the period those payments are incurred. The components of lease cost recognized within our Consolidated Statements of Income were as follows: For the years ended December 31, 2022 2021 2020 Operating lease costs (office operations) $ 6,201 5,802 6,139 Variable lease costs (office operations) 677 662 680 Total operating lease costs $ 6,878 6,464 6,819 Amounts reported in the Consolidated Statements of Financial Condition were as follows: For the years ended December 31, 2022 2021 Operating leases: Operating lease ROU assets (other assets) $ 54,925 54,887 Operating lease liabilities (other liabilities) 57,737 57,726 Other information related to leases were as follows: For the years ended December 31, 2022 2021 Supplemental cash flow information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flow from operating leases $ 6,207 6,143 ROU assets obtained in exchange for lease obligations 5,588 12,866 Weighted average remaining lease term 15.6 years 15.9 years Weighted average discount rate 3.2 % 3.1 % Amounts disclosed for ROU assets obtained in exchange for lease obligations include amounts added to the carrying amount of ROU assets resulting from lease modifications and reassessments. Maturities of lease liabilities by fiscal year for our operating leases are as follows: As of December 31, 2022 2023 $ 6,007 2024 5,300 2025 4,975 2026 4,878 2027 4,692 Thereafter 49,294 Total lease payments 75,146 Less amount of lease payments representing interest 17,409 Total present value of lease payments $ 57,737

Marketable Securities

Marketable Securities	12 Months Ended
	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Marketable Securities	Marketable Securities Marketable securities available-for-sale at December 31, 2022 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 20,000 — (1,799) 18,201 Due after ten years 53,152 — (10,761) 42,391 Debt issued by government sponsored enterprises: Due after one year through five years 993 — (49) 944 Due after five years through ten years 45,814 — (7,557) 38,257 Municipal securities: Due within one year 506 — (1) 505 Due after one year through five years 986 21 (13) 994 Due after five years through ten years 36,332 — (2,290) 34,042 Due after ten years 89,631 8 (13,414) 76,225 Corporate debt issues: Due after five years through ten years 13,540 — (562) 12,978 Residential mortgage-backed securities: Fixed rate pass-through 227,122 35 (31,171) 195,986 Variable rate pass-through 8,837 10 (184) 8,663 Fixed rate agency CMOs 906,962 — (145,284) 761,678 Variable rate agency CMOs 27,853 31 (640) 27,244 Total residential mortgage-backed securities 1,170,774 76 (177,279) 993,571 Total marketable securities available-for-sale $ 1,431,728 105 (213,725) 1,218,108 Marketable securities held-to-maturity at December 31, 2022 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 29,478 — (3,676) 25,802 Due after five years through ten years 94,977 — (18,157) 76,820 Residential mortgage-backed securities: Fixed rate pass-through 163,196 — (24,684) 138,512 Variable rate pass-through 542 — (12) 530 Fixed rate agency CMOs 592,527 — (83,325) 509,202 Variable rate agency CMOs 529 — (11) 518 Total residential mortgage-backed securities 756,794 — (108,032) 648,762 Total marketable securities held-to-maturity $ 881,249 — (129,865) 751,384 Marketable securities available-for-sale at December 31, 2021 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 20,000 — (68) 19,932 Due after ten years 57,681 — (1,722) 55,959 Debt issued by government-sponsored enterprises: Due within one year 177 — — 177 Due after one year through five years 991 73 — 1,064 Due after five years through ten years 46,411 1 (1,568) 44,844 Municipal securities: Due within one year 946 13 — 959 Due after one year through five years 1,261 22 (3) 1,280 Due after five years through ten years 23,692 661 (146) 24,207 Due after ten years 99,558 2,884 (187) 102,255 Residential mortgage-backed securities: Fixed rate pass-through 265,604 2,389 (2,525) 265,468 Variable rate pass-through 11,306 294 (9) 11,591 Fixed rate agency CMOs 997,680 2,284 (18,965) 980,999 Variable rate agency CMOs 39,695 224 (62) 39,857 Total residential mortgage-backed securities 1,314,285 5,191 (21,561) 1,297,915 Total marketable securities available-for-sale $ 1,565,002 8,845 (25,255) 1,548,592 Marketable securities held-to-maturity at December 31, 2021 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 16,478 — (206) 16,272 Due after five years through ten years 107,973 — (4,613) 103,360 Residential mortgage-backed securities: Fixed rate pass-through 183,092 58 (2,161) 180,989 Variable rate pass-through 667 24 — 691 Fixed rate agency CMOs 459,345 251 (10,011) 449,585 Variable rate agency CMOs 599 17 — 616 Total residential mortgage-backed securities 643,703 350 (12,172) 631,881 Total marketable securities held-to-maturity $ 768,154 350 (16,991) 751,513 The following table shows the contractual maturity of our residential mortgage-backed securities available-for-sale at December 31, 2022: Amortized cost Fair value Residential mortgage-backed securities: Due within one year $ 132 130 Due after one year through five years 32,192 29,538 Due after five years through ten years 46,188 43,438 Due after ten years 1,092,262 920,465 Total residential mortgage-backed securities $ 1,170,774 993,571 The following table shows the contractual maturity of our residential mortgage-backed securities held-to-maturity at December 31, 2022: Amortized cost Fair value Residential mortgage-backed securities: Due after one year through five years $ 20,612 17,568 Due after five years through ten years 20,250 15,879 Due after ten years 715,932 615,315 Total residential mortgage-backed securities $ 756,794 648,762 The following table presents information regarding the issuers and the carrying values of our residential mortgage-backed securities at December 31, 2022 and 2021: December 31, 2022 2021 Residential mortgage-backed securities: FNMA $ 651,404 704,070 GNMA 438,193 577,684 FHLMC 660,762 659,433 Other (including non-agency) 6 431 Total residential mortgage-backed securities $ 1,750,365 1,941,618 Marketable securities having a carrying value of $241.5 million at December 31, 2022 were pledged under collateral agreements. During the year ended December 31, 2022, there were no sold marketable securities classified as available-for-sale. During the year ended December 31, 2021, we sold marketable securities classified as available-for-sale for $59.6 million, with gross realized gains of $410,000 and gross realized losses of $396,000. During the year ended December 31, 2020, we sold marketable securities classified as available-for-sale for $1.1 million, with gross realized gains of $64,000 and no gross realized losses. During the years ended December 31, 2022, 20 21 and 2020, we did not recognize allowance for credit losses in our investment portfolio. The following table shows the fair value and gross unrealized losses on available for sale investment securities and held to maturity investment securities, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2022: Less than 12 months 12 months or more Total Fair value Unrealized Fair value Unrealized Fair value Unrealized U.S. government sponsored enterprises $ 1,735 (82) 200,679 (41,917) 202,414 (41,999) Corporate debt issues 12,979 (562) — — 12,979 (562) Municipal securities 60,676 (4,047) 44,493 (11,671) 105,169 (15,718) Residential mortgage-backed securities 373,186 (22,796) 1,264,042 (262,515) 1,637,228 (285,311) Total temporarily impaired securities $ 448,576 (27,487) 1,509,214 (316,103) 1,957,790 (343,590) The following table shows the fair value and gross unrealized losses on investment securities, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2021: Less than 12 months 12 months or more Total Fair value Unrealized Fair value Unrealized Fair value Unrealized U.S. government sponsored enterprises $ 132,782 (3,504) 106,160 (4,673) 238,942 (8,177) Municipal securities 25,118 (336) — — 25,118 (336) Residential mortgage-backed securities 1,428,582 (26,516) 184,389 (7,217) 1,612,971 (33,733) Total temporarily impaired securities $ 1,586,482 (30,356) 290,549 (11,890) 1,877,031 (42,246) The Company does not believe that the available-for-sale debt securities that were in an unrealized loss position as of December 31, 2022, which were comprised of 647 individual securities, represents a credit loss impairment. All of these securities were issued by U.S. government agencies, U.S. government-sponsored enterprises, local municipalities, or represent corporate debt. The securities issued by the U.S. government agencies or U.S. government-sponsored enterprises are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The corporate debt issues and securities issued by local municipalities were all highly rated by major rating agencies and have no history of credit losses. The unrealized losses were primarily attributable to changes in the interest rate environment and not due to the credit quality of these investment securities. The Company does not have the intent to sell these investment securities and it is likely that we will not be required to sell these securities before their anticipated recovery, which may be at maturity. All of the Company ’ s held-to-maturity debt securities are issued by U.S. government-sponsored agencies or U.S. government-sponsored enterprises. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The decline in fair value of the held-to-maturity debt securities were primarily attributable to changes in the interest rate environment and not due to the credit quality of these investment securities, therefore, the Company did not record an allowance for credit losses for these securities as of December 31, 2022. The following table presents the credit quality for our held-to-maturity securities, based on the latest information available as of December 31, 2022 (in thousands). The credit ratings are sourced from nationally recognized rating agencies, which include Moody ’ s and S&P, they are presented based on asset type. All of our held-to-maturity securities were current in their payment of principal and interest as of December 31, 2022. AA+ Total Held-to-maturity securities: Debt issued by the U.S. government-sponsored agencies $ 124,455 124,455 Residential mortgage-backed securities 756,794 756,794 Total marketable securities held-to-maturity $ 881,249 881,249

Loans Receivable

Loans Receivable	12 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Loans Receivable	Loans Receivable The following table shows a summary of our loans receivable at amortized cost basis at December 31, 2022 and December 31, 2021 (in thousands): December 31, 2022 December 31, 2021 Originated (1) Acquired (2) Total Originated (1) Acquired (2) Total Personal Banking: Residential mortgage loans (3) $ 3,327,879 170,720 3,498,599 2,783,459 211,161 2,994,620 Home equity loans 1,131,641 166,033 1,297,674 1,107,202 212,729 1,319,931 Vehicle loans 1,965,385 91,398 2,056,783 1,384,246 99,985 1,484,231 Consumer loans 104,284 7,588 111,872 307,961 46,556 354,517 Total Personal Banking 6,529,189 435,739 6,964,928 5,582,868 570,431 6,153,299 Commercial Banking: Commercial real estate loans 2,135,607 312,421 2,448,028 2,202,027 423,454 2,625,481 Commercial real estate loans - owner occupied 341,704 33,823 375,527 321,253 68,750 390,003 Commercial loans 1,082,914 49,055 1,131,969 765,877 81,732 847,609 Total Commercial Banking 3,560,225 395,299 3,955,524 3,289,157 573,936 3,863,093 Total loans receivable, gross 10,089,414 831,038 10,920,452 8,872,025 1,144,367 10,016,392 Allowance for credit losses (107,379) (10,657) (118,036) (86,750) (15,491) (102,241) Total loans receivable, net (4) $ 9,982,035 820,381 10,802,416 8,785,275 1,128,876 9,914,151 (1) Includes originated and purchased loan pools purchased in an asset acquisition. (2) Includes loans subject to purchase accounting in a business combination. (3) Includes $9.9 million and $25.1 million of loans held-for-sale at December 31, 2022 and December 31, 2021, respectively. (4) Includes $76.1 million and $62.8 million of net unearned income, unamortized premiums and discounts and deferred fees and costs at December 31, 2022 and December 31, 2021, respectively. During the year ended December 31, 2022, the Company purchased a total of $182.8 million small business equipment finance loan pools and a total of $188.3 million one- to four-family jumbo mortgage loan pools. As of December 31, 2022 and 2021, we serviced loans for others approximating $1.549 billion and $1.622 billion, respectively. These loans serviced for others are not our assets and are not included in our financial statements. As of December 31, 2022 and 2021, approximately 41% of our loan portfolio was secured by properties located in Pennsylvania. We do not believe we have significant concentrations of credit risk to any one group of borrowers given our underwriting and collateral requirements. Loans receivable as of December 31, 2022 and 2021 include $3.333 billion and $3.277 billion, respectively, of adjustable rate loans and $7.511 billion and $6.739 billion, respectively, of fixed rate loans. The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2022 (in thousands): Balance as of December 31, 2022 Current Charge-offs Recoveries Balance as of December 31, 2021 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 19,261 13,129 (2,033) 792 7,373 Home equity loans 5,902 540 (1,469) 1,531 5,300 Vehicle loans 23,059 8,863 (3,621) 2,334 15,483 Consumer loans 665 1,013 (4,785) 1,553 2,884 Total Personal Banking 48,887 23,545 (11,908) 6,210 31,040 Commercial Banking: Commercial real estate loans 44,506 (12,633) (7,366) 10,364 54,141 Commercial real estate loans - owner occupied 4,004 36 — 85 3,883 Commercial loans 20,639 6,912 (1,657) 2,207 13,177 Total Commercial Banking 69,149 (5,685) (9,023) 12,656 71,201 Total $ 118,036 17,860 (20,931) 18,866 102,241 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ 4 2 — — 2 Home equity loans 74 35 — — 39 Total Personal Banking 78 37 — — 41 Commercial Banking: Commercial real estate loans 5,382 4,501 — — 881 Commercial real estate loans - owner occupied 287 145 — — 142 Commercial loans 5,288 3,894 — — 1,394 Total Commercial Banking 10,957 8,540 — — 2,417 Total off-balance-sheet exposure $ 11,035 8,577 — — 2,458 The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2021 (in thousands): Balance as of December 31, 2021 Current Charge-offs Recoveries Balance as of December 31, 2020 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 7,373 2,844 (3,672) 935 7,266 Home equity loans 5,300 1,788 (3,380) 900 5,992 Vehicle loans 15,483 2,754 (4,632) 2,536 14,825 Consumer loans 2,884 3,070 (5,417) 2,360 2,871 Total Personal Banking 31,040 10,456 (17,101) 6,731 30,954 Commercial Banking: Commercial real estate loans 54,141 (15,496) (11,933) 2,189 79,381 Commercial real estate loans - owner occupied 3,883 (5,852) (890) 107 10,518 Commercial loans 13,177 (991) (4,213) 4,807 13,574 Total Commercial Banking 71,201 (22,339) (17,036) 7,103 103,473 Total $ 102,241 (11,883) (34,137) 13,834 134,427 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ 2 — — — 2 Home equity loans 39 4 — — 35 Total Personal Banking 41 4 — — 37 Commercial Banking: Commercial real estate loans 881 (2,568) — — 3,449 Commercial real estate loans - owner occupied 142 (184) — — 326 Commercial loans 1,394 (1,157) — — 2,551 Total Commercial Banking 2,417 (3,909) — — 6,326 Total off-balance-sheet exposure $ 2,458 (3,905) — — 6,363 The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2020, and includes the cumulative effect of adopting ASU 2016-13 (in thousands): Balance as of December 31, 2020 Current Charge-offs Recoveries Initial ACL Cumulative effect of ASU 2016-13* Balance as of December 31, 2019 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 7,266 (3,289) (917) 362 1,095 7,441 2,574 Home equity loans 5,992 (3,357) (608) 766 216 5,786 3,189 Vehicle loans 14,825 11,416 (6,827) 1,867 235 842 7,292 Consumer loans 2,871 4,126 (5,831) 1,542 157 (2,424) 5,301 Total Personal Banking 30,954 8,896 (14,183) 4,537 1,703 11,645 18,356 Commercial Banking: Commercial real estate loans 79,381 58,483 (4,240) 1,287 5,720 2,288 15,843 Commercial real estate loans - owner occupied 10,518 2,588 (83) 27 963 1,278 5,745 Commercial loans 13,574 14,008 (16,212) 1,741 459 (4,419) 17,997 Total Commercial Banking 103,473 75,079 (20,535) 3,055 7,142 (853) 39,585 Total 134,427 83,975 (34,718) 7,592 8,845 10,792 57,941 Allowance for Credit Losses - Personal Banking: Residential mortgage loans 2 2 — — — — — Home equity loans 35 5 — — — (293) 323 Consumer loans — — — — — (402) 402 Total Personal Banking 37 7 — — — (695) 725 Commercial Banking: Commercial real estate loans 3,449 1,438 — — — 1,934 77 Commercial real estate loans - owner occupied 326 235 — — — 88 3 Commercial loans 2,551 1,459 — — — 923 169 Total Commercial Banking 6,326 3,132 — — — 2,945 249 Total off-balance sheet exposure $ 6,363 3,139 — — — 2,250 974 * Includes the impact of the initial allowance on PCD loans of $517,000 During the year ended December 31, 2020, we sold $50.0 million of loans that were classified as held-for-investment, for a gain of $1.3 million, which is reported in gain on sale of loans on the Consolidated Statements of Income. The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2022 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing TDRs Allowance Additional Personal Banking: Residential mortgage loans $ 3,498,599 19,261 7,574 — 6,279 1,069 — Home equity loans 1,297,674 5,902 4,145 — 1,470 546 — Vehicle loans 2,056,783 23,059 3,771 2 — — — Consumer loans 111,872 665 256 405 — — — Total Personal Banking 6,964,928 48,887 15,746 407 7,749 1,615 — Commercial Banking: Commercial real estate loans 2,448,028 44,506 62,239 — 31,980 638 400 Commercial real estate loans - owner occupied 375,527 4,004 624 — 94 31 — Commercial loans 1,131,969 20,639 2,627 337 858 116 4 Total Commercial Banking 3,955,524 69,149 65,490 337 32,932 785 404 Total $ 10,920,452 118,036 81,236 744 40,681 2,400 404 (1) Includes $29.2 million of nonaccrual TDRs. The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2021 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing TDRs Allowance Additional Personal Banking: Residential mortgage loans $ 2,994,620 7,373 10,402 — 6,749 1,442 — Home equity loans 1,319,931 5,300 5,758 — 1,781 718 — Vehicle loans 1,484,231 15,483 3,263 — — — — Consumer loans 354,517 2,884 675 331 — — — Total Personal Banking 6,153,299 31,040 20,098 331 8,530 2,160 — Commercial Banking: Commercial real estate loans 2,625,481 54,141 129,666 — 17,025 2,024 400 Commercial real estate loans - owner occupied 390,003 3,883 1,233 — 159 24 — Commercial loans 847,609 13,177 7,474 — 4,574 609 60 Total Commercial Banking 3,863,093 71,201 138,373 — 21,758 2,657 460 Total $ 10,016,392 102,241 158,471 331 30,288 4,817 460 (1) Includes $17.2 million of nonaccrual TDRs. The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2022 (in thousands): Nonaccrual December 31, 2022 Nonaccrual loans with an allowance Nonaccrual Total Nonaccrual Loans 90 days Personal Banking: Residential mortgage loans $ 10,402 7,574 — 7,574 — Home equity loans 5,758 3,887 258 4,145 — Vehicle loans 3,263 2,175 1,596 3,771 2 Consumer loans 675 256 — 256 405 Total Personal Banking 20,098 13,892 1,854 15,746 407 Commercial Banking: Commercial real estate loans 129,666 22,182 40,057 62,239 — Commercial real estate loans - owner occupied 1,233 624 — 624 — Commercial loans 7,474 2,024 603 2,627 337 Total Commercial Banking 138,373 24,830 40,660 65,490 337 Total $ 158,471 38,722 42,514 81,236 744 During the year ended December 31, 2022, we recognized $678,000 of interest income on nonaccrual and troubled debt restructuring loans. The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2021, (in thousands): Nonaccrual loans at January 1, 2021 December 31, 2021 Nonaccrual loans with an allowance Nonaccrual loans with no allowance Total Nonaccrual Loans 90 days past and accruing Personal Banking: Residential mortgage loans $ 15,924 10,402 — 10,402 — Home equity loans 9,123 5,551 207 5,758 — Vehicle loans 5,533 3,251 12 3,263 — Consumer loans 1,031 674 1 675 331 Total Personal Banking 31,611 19,878 220 20,098 331 Commercial Banking: Commercial real estate loans 44,092 65,529 64,137 129,666 — Commercial real estate loans - owner occupied 3,642 1,233 — 1,233 — Commercial loans 23,487 3,941 3,533 7,474 — Total Commercial Banking 71,221 70,703 67,670 138,373 — Total $ 102,832 90,581 67,890 158,471 331 During the year ended December 31, 2021, we recognized $803,000 of interest income on nonaccrual and troubled debt restructuring loans. The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2022 (in thousands): Real estate Equipment Total Personal Banking: Residential mortgage loans $ 569 — 569 Home equity loans 100 — 100 Total Personal Banking 669 — 669 Commercial Banking: Commercial real estate loans 57,056 — 57,056 Commercial loans 175 210 385 Total Commercial Banking 57,231 210 57,441 Total $ 57,900 210 58,110 The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2021 (in thousands): Real estate Equipment Total Personal Banking: Residential mortgage loans $ 580 — 580 Home equity loans 99 — 99 Total Personal Banking 679 — 679 Commercial Banking: Commercial real estate loans 119,825 1,705 121,530 Commercial loans 3,973 1,926 5,899 Total Commercial Banking 123,798 3,631 127,429 Total $ 124,477 3,631 128,108 Our loan portfolios include loans that have been modified in a TDR, where concessions have been granted to borrowers who have experienced financial difficulties. These concessions typically result from our loss mitigation activities and could include: extending the note’s maturity date, permitting interest only payments, reducing the interest rate to a rate lower than current market rates for new debt with similar risk, reducing the principal payment, principal forbearance or other actions. These concessions are applicable to all loan segments and classes. Certain TDRs are classified as nonperforming at the time of restructuring and may be returned to performing status after considering the borrower’s sustained repayment performance for a period of at least six months. When we modify loans in a TDR, we evaluate any possible impairment similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, the loan’s observable market price or the current fair value of the collateral, less selling costs, for collateral dependent loans. If we determine that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premiums or discounts), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, we evaluate all TDRs, including those that have payment defaults, for possible impairment in accordance with ASC 310-10. As a result, loans modified in a TDR may have the financial effect of increasing the specific allowance associated with the loan. Loans modified in a TDR are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a TDR subsequently default, we evaluate the loan for possible further impairment. The allowance may be increased, adjustments may be made in the allocation of the allowance, partial charge-offs may be taken to further write-down the carrying value of the loan, or the loan may be charged-off completely. In March 2020 and August 2020, joint statements were issued by federal and state regulatory agencies, after consultation with the FASB, to clarify that short-term loan modifications are not TDRs if made on a good-faith basis in response to COVID-19 to borrowers who were current prior to any relief. Under this guidance, six months is provided as an example of short-term, and current is defined as less than 30 days past due at the time the modification program is implemented. The guidance also provides that these modified loans generally will not be classified as nonaccrual during the term of the modification. For borrowers who are 30 days or more past due when enrolling in a loan modification program related to the COVID-19 pandemic , we evaluate the loan modifications under our existing TDR framework, and where such a loan modification would result in a concession to a borrower experiencing financial difficulty, the loan will be accounted for as a TDR and will generally not accrue interest. This TDR relief under the CARES Act was extended by the Consolidated Appropriations Act, 2021 (“CAA”), signed into law on December 27, 2020. Under the CAA, such relief came to an end on January 1, 2022. Certain loan modifications made during the prior year were done in accordance with Section 4013 of the CARES Act and the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus. Accordingly, these loans were not categorized as TDRs. The following table provides a roll forward of troubled debt restructurings for the periods indicated (dollars in thousands): For the years ended December 31, 2022 2021 Number of Amount Number of Amount Beginning TDR balance: 134 $ 30,288 170 $ 32,135 New TDRs 14 30,894 9 7,253 Re-modified TDRs 11 8,391 9 7,370 Net paydowns — (11,870) — (3,420) Charge-offs: Residential mortgage loans 2 (63) — — Home equity loans — — 1 (29) Commercial real estate loans 1 (150) 2 (53) Commercial real estate loans - owner occupied — — 1 (105) Commercial loans 1 (130) 6 (170) Paid-off loans: Residential mortgage loans 4 (361) 10 (1,216) Home equity loans 3 (89) 6 (147) Commercial real estate loans 6 (4,324) 11 (3,064) Commercial real estate loans - owner occupied 1 (44) 3 (198) Commercial loans 7 (3,470) 5 (698) Ending TDR balance: 123 $ 40,681 134 $ 30,288 Accruing TDRs $ 11,442 $ 13,072 Nonaccrual TDRs 29,239 17,216 The following tables provide information related to TDRs (including re-modified TDRs) by portfolio segment and by class of financing receivable during the periods indicated (in thousands): For the year ended December 31, 2022 Number of Recorded Current Current Personal Banking: Residential mortgage loans 4 $ 530 522 37 Home equity loans 6 183 171 42 Total Personal Banking 10 713 693 79 Commercial Banking: Commercial real estate loans 9 34,716 20,954 66 Commercial loans 6 3,856 263 20 Total Commercial Banking 15 38,572 21,217 86 Total 25 $ 39,285 21,910 165 For the year ended December 31, 2021 Number of Recorded Current Current Personal Banking: Residential mortgage loans 1 $ 125 114 15 Home equity loans 3 155 34 34 Total Personal Banking 4 280 148 49 Commercial Banking: Commercial real estate loans 8 12,006 10,572 1,453 Commercial loans 6 4,147 3,903 451 Total Commercial Banking 14 16,153 14,475 1,904 Total 18 $ 16,433 14,623 1,953 For the year ended December 31, 2020 Number of Recorded Current Current Personal Banking: Residential mortgage loans 1 $ 90 88 5 Home equity loans 2 86 79 9 Total Personal Banking 3 176 167 14 Commercial Banking: Commercial real estate loans 9 7,365 7,615 311 Commercial real estate loans - owner occupied 1 58 48 8 Commercial loans 5 2,944 408 40 Total Commercial Banking 15 10,367 8,071 359 Total 18 $ 10,543 8,238 373 The following table provides information as of December 31, 2022 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2022 (in thousands): Type of modification Number of contracts Rate Payment Maturity date Total Personal Banking: Residential mortgage loans 4 $ — 379 143 522 Home equity loans 6 — 23 148 171 Total Personal Banking 10 — 402 291 693 Commercial Banking: Commercial real estate loans 9 129 98 20,727 20,954 Commercial loans 6 — — 263 263 Total Commercial Banking 15 129 98 20,990 21,217 Total 25 $ 129 500 21,281 21,910 The following table provides information as of December 31, 2021 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2021 (in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ 114 — — — 114 Home equity loans 3 — 30 4 — 34 Total Personal Banking 4 114 30 4 — 148 Commercial Banking: Commercial real estate loans 8 2,077 — 8,424 71 10,572 Commercial loans 6 171 — 3,732 — 3,903 Total Commercial Banking 14 2,248 — 12,156 71 14,475 Total 18 $ 2,362 30 12,160 71 14,623 The following table provides information as of December 31, 2020 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2020 (in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — 88 — 88 Home equity loans 2 65 — 14 — 79 Total Personal Banking 3 65 — 102 — 167 Commercial Banking: Commercial real estate loans 9 — — 7,335 280 7,615 Commercial real estate - owner occupied 1 — — 48 — 48 Commercial loans 5 — 111 217 80 408 Total Commercial Banking 15 — 111 7,600 360 8,071 Total 18 $ 65 111 7,702 360 8,238 The following table provides information related to re-modified trouble debt restructurings by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2022 (in thousands): Type of re-modification Number of Payment Maturity date Total Personal Banking: Residential mortgage loans 1 — 129 129 Home equity loans 1 — — — Total Personal Banking 2 — 129 129 Commercial Banking: Commercial real estate loans 4 53 196 249 Commercial loans 5 — 210 210 Total Commercial Banking 9 53 406 459 Total 11 53 535 588 The following table provides information related to re-modified trouble debt restructurings by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2021 (in thousands): Type of re-modification Number of Rate Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ 114 — — 114 Home equity loans 1 — — — — Total Personal Banking 2 114 — — 114 Commercial Banking: Commercial real estate loans 7 2,077 5,108 71 7,256 Total Commercial Banking 7 2,077 5,108 71 7,256 Total 9 $ 2,191 5,108 71 7,370 The following table provides information related to re-modified trouble debt restructurings by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2020 (in thousands): Type of re-modification Number of Maturity date Other Total Commercial Banking: Commercial real estate loans 3 6,652 — 6,652 Commercial real estate loans - owner occupied 1 48 — 48 Commercial loans 1 — 80 80 Total Commercial Banking 5 6,700 80 6,780 Total 5 6,700 80 6,780 No TDRs modified within the previous twelve months of December 31, 2022 or December 31, 2020 subsequently defaulted. The following table provides information related to troubled debt restructurings modified within the previous twelve months of December 31, 2021 that subsequently defaulted: Number of Recorded Current Current Commercial Banking: Commercial real estate loans 1 $ 4,167 3,823 — Total Commercial Banking 1 4,167 3,823 — Total 1 $ 4,167 3,823 — The following table provides information related to the amortized cost basis of loan payment delinquencies at December 31, 2022 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 29,487 5,563 5,574 40,624 3,457,975 3,498,599 — Home equity loans 6,657 975 2,257 9,889 1,287,785 1,297,674 — Vehicle loans 8,677 2,770 2,471 13,918 2,042,865 2,056,783 2 Consumer loans 758 300 608 1,666 110,206 111,872 405 Total Personal Banking 45,579 9,608 10,910 66,097 6,898,831 6,964,928 407 Commercial Banking: Commercial real estate loans 3,947 2,377 7,589 13,913 2,434,115 2,448,028 — Commercial real estate loans - owner occupied 61 — 278 339 375,188 375,527 — Commercial loans 2,648 1,115 1,829 5,592 1,126,377 1,131,969 337 Total Commercial Banking 6,656 3,492 9,696 19,844 3,935,680 3,955,524 337 Total loans $ 52,235 13,100 20,606 85,941 10,834,511 10,920,452 744 The following table provides information related to the amortized cost basis loan payment delinquencies at December 31, 2021 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 20,567 5,433 7,641 33,641 2,960,979 2,994,620 — Home equity loans 3,153 949 4,262 8,364 1,311,567 1,319,931 — Vehicle loans 5,331 1,487 1,635 8,453 1,475,778 1,484,231 — Consumer loans 1,205 519 765 2,489 352,028 354,517 331 Total Personal Banking 30,256 8,388 14,303 52,947 6,100,352 6,153,299 331 Commercial Banking: Commercial real estate loans 16,938 699 23,489 41,126 2,584,355 2,625,481 — Commercial real estate loans - owner occupied 127 70 574 771 389,232 390,003 — Commercial loans 193 727 1,105 2,025 845,584 847,609 — Total Commercial Banking 17,258 1,496 25,168 43,922 3,819,171 3,863,093 — Total loans $ 47,514 9,884 39,471 96,869 9,919,523 10,016,392 331 Credit Quality Indicators: For Commercial Banking loans we categorize loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. We analyze loans individually by classifying the loans by credit risk. Credit relationships greater than or equal to $1.0 million classified as special mention or substandard are reviewed quarterly for deterioration or improvement to determine if the loan is appropriately classified. We use the following definitions for risk ratings other than pass: Special Mention — Loans designated as special mention have specific, well-defined risk issues, which create a high level of uncertainty regarding the long-term viability of the business. Loans in this class are considered to have high-risk characteristics. A special mention loan exhibits material negative financial trends due to company-specific or systemic conditions. If these potential weaknesses are not mitigated, they threaten the borrower’s capacity to meet its debt obligations. Special mention loans still demonstrate sufficient financial flexibility to react to and positively address the root cause of the adverse financial trends without significant deviations from their current business strategy. Their potential weaknesses deserve our close attention and warrant enhanced monitoring. Substandard — Loans classified as substandard are inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Doubtful — Loans classified as doubtful have all the weaknesses inherent in those classified as substandard. In addition, those weaknesses make collection or liquidation in full highly questionable and improbable. A loan classified as doubtful exhibits discernible loss potential, but a complete loss seems very unlikely. The possibility of a loss on a doubtful loan is high, but because of certain important and reasonably specific pending factors that may strengthen the loan, its classification as an estimated loss is deferred until a more exact status can be determined. Loss — Loans classified as loss are considered uncollectible and of such value that the continuance as a loan is not warranted. A loss classification does not mean that the loan has no recovery or salvage value; instead, it means that it is not practical or desirable to defer writing off all or a portion of a basically worthless loan even though partial recovery may be possible in the future. For Personal Banking loans a pass risk rating is maintained until they are greater than 90 days past due, and risk rating reclassification is based primarily on past due status of the loan. The risk rating categories can generally be described by the following groupings: Pass — Loans classified as pass are homogeneous loans that are less than 90 days past due from the required payment date at month-end. Substandard — Loans classified as substandard are homogeneous loans that are greater than 90 days past due from the required payment date at month-end, loans classified as TDRs, or homogenous retail loans that are greater than 180 days past due from the requirement payment date at month-end that has been written down to the value of underlying collateral, less costs to sell. Doubtful — Loans classified as doubtful are homogeneous loans that are greater than 180 days past due from the required payment date at month-end and not written down to the value of underlying collateral. These loans are generally charged-off in the month in which the 180 day period elapses. Based on the most recent analysis performed, the amortized cost basis by risk category of loans by class of loans by origination year is as follows as of December 31, 2022 (in thousands): 2022 2021 2020 2019 2018 Prior Revolving loans Revolving loans converted to term loans Total loans Personal Banking: Residential mortgage loans Pass $ 659,930 837,823 546,604 265,520 131,599 1,043,394 — — 3,484,870 Substandard 422 187 474 796 531 11,319 — — 13,729 Total residential mortgage loans 660,352 838,010 547,078 266,316 132,130 1,054,713 — — 3,498,599 Home equity loans Pass 114,598 126,608 173,044 110,495 50,314 198,971 475,229 42,887 1,292,146 Substandard — 46 — 127 324 3,066 683 1,282 5,528 Total home equity loans 114,598 126,654 173,044 110,622 50,638 202,037 475,912 44,169 1,297,674 Vehicle loans Pass 966,432 611,310 227,897 135,134 70,071 42,166 — — 2,053,010 Substandard 292 1,096 667 689 657 372 — — 3,773 Total vehicle loans 966,724 612,406 228,564 135,823 70,728 42,538 — — 2,056,783 Consumer loans Pass 19,302 9,874 4,327 3,557 2,409 5,094 65,610 1,037 111,210 Substandard 24 9 37 9 3 48 432 100 662 Total consumer loans 19,326 9,883 4,364 3,566 2,412 5,142 66,042 1,137 111,872 Total Personal Banking 1,761,000 1,586,953 953,050 516,327 255,908 1,304,430 541,954 45,306 6,964,928 Business Banking: Commercial real estate loans Pass 322,050 346,355 369,868 244,188 209,500 696,628 24,954 13,314 2,226,857 Special Mention — 17,216 16,782 87 1,000 15,887 157 15 51,144 Substandard — 4,561 3,617 48,879 41,521 70,384 459 606 170,027 Total commercial real estate loans 322,050 368,132 390,267 293,154 252,021 782,899 25,570 13,935 2,448,028 Commercial real estate loans - owner occupied Pass 62,905 51,673 17,989 49,600 43,570 123,278 2,477 1,460 352,952 Special Mention 126 — 18 — 2,297 1,106 385 — 3,932 Substandard — — — 5,085 2,440 9,250 — 1,868 18,643 Total commercial real estate loans - owner occupied 63,031 51,673 18,007 54,685 48,307 133,634 2,862 3,328 375,527 Commercial loans Pass 481,797 90,320 52,833 46,966 17,250 53,107 354,402 4,032 1,100,707 Special Mention 628 2,190 506 1,704 227 — 2,129 — 7,384 Substandard 1,833 603 908 2,097 1,605 735 12,941 3,156 23,878 Total commercial loans 484,258 93,113 54,247 50,767 19,082 53,842 369,472 7,188 1,131,969 Total Business Banking 869,339 512,918 462,521 398,606 319,410 970,375 397,904 24,451 3,955,524 Total loans $ 2,630,339 2,099,871 1,415,571 914,933 575,318 2,274,805 939,858 69,757 10,920,452 For the year ended December 31, 2022, $20.7 million of revolving loans were converted to term loans. The following table summarizes amortized cost basis loan balances by year of origination, class of loans, and risk category as of December 31, 2021 (in thousands): 2021 2020 2019 2018 2017 Prior Revolving loans Revolving loans converted to term loans Total loans receivable Personal Banking: Residential mortgage loans Pass $ 644,862 602,429 304,275 156,639 171,240 1,098,635 — — 2,978,080 Substandard 138 489 377 538 882 14,116 — — 16,540 Total residential mortgage loans 645,000 602,918 304,652 157,177 172,122 1,112,751 — — 2,994,620 Home equity loans Pass 150,847 210,224 138,661 65,011 61,692 209,959 435,660 40,766 1,312,820 Substandard — — 441 60 455 3,820 1,275 1,060 7,111 Total home equity loans 150,847 210,224 139,102 65,071 62,147 213,779 436,935 41,826 1,319,931 Vehicle loans Pass 801,084 292,804 205,653 119,304 34,546 27,576 — — 1,480,967 Substandard 387 365 1,141 745 379 247 — — 3,264 Total vehicle loans 801,471 293,169 206,794 120,049 34,925 27,823 — — 1,484,231 Consumer loans Pass 117,856 81,266 47,195 20,595 9,794 12,202 63,025 1,578 353,511 Substandard 213 161 105 64 26 50 357 30 1,006 Total consumer loans 118,069 81,427 47,300 20,659 9,820 12,252 63,382 1,608 354,517 Total Personal Banking 1,715,387 1,187,738 697,848 362,956 279,014 1,366,605 500,317 43,434 6,153,299 Business Banking: Commercial real estate loans Pass 306,689 433,219 335,541 263,524 221,450 683,537 26,288 10,179 2,280,427 Special Mention 803 1,808 52,513 3,296 1,394 8,529 729 23 69,095 Substandard — 34,153 44,712 46,045 56,077 89,311 492 5,169 275,959 Total commercial real estate loans 307,492 469,180 432,766 312,865 278,921 781,377 27,509 15,371 2,625,481 Commercial real estate loans - owner occupied Pass 69,084 19,452 51,997 60,824 57,676 94,687 2,822 2,707 359,249 Special Mention — — — 769 1,959 1,444 856 — 5,028 Substandard — — 3,575 2,887 7,840 10,602 — 822 25,726 Total commercial real estate loans - owner occupied 69,084 19,452 55,572 64,480 67,475 106,733 3,678 3,529 390,003 Commercial loans Pass 224,367 110,171 73,276 27,668 20,748 76,987 262,805 12,301 808,323 Special Mention 197 661 812 1,195 50 581 2,234 — 5,730 Substandard 329 4,767 5,102 4,437 1,529 2,116 6,667 8,609 33,556 Total commercial loans 224,893 115,599 79,190 33,300 22,327 79

Accrued Interest Receivable

Accrued Interest Receivable	12 Months Ended
	Dec. 31, 2022
Interest Receivable and Other Assets [Abstract]
Accrued Interest Receivable	Accrued Interest Receivable Accrued interest receivable as of December 31, 2022 and 2021 is presented in the following table: December 31, 2022 2021 Investment securities $ 1,722 1,591 FHLB dividends 391 89 Mortgage-backed securities 3,020 2,589 Loans receivable 30,395 21,330 Total $ 35,528 25,599

FHLB Stock

FHLB Stock	12 Months Ended
	Dec. 31, 2022
Federal Home Loan Banks [Abstract]
FHLB Stock	FHLB Stock Northwest Bank is a member of the FHLB of Pittsburgh and a former member of the FHLB of Indianapolis. As a member of the FHLB of Pittsburgh, we are required to maintain an investment in the capital stock of the FHLB of Pittsburgh in accordance with their 2015 Capital Plan, at cost, in two subclasses based on the following ranges: Membership stock purchase (Subclass B-1) ranging from 0.05% to 1.0% of the member asset value as defined by the FHLB, currently at 0.10%; and Activity-based stock purchase (Subclass B-2) ranging from 2.0% to 6.0% of outstanding advances, currently at 4.0%; 0.0% to 6.0% of acquired member assets, currently at 4.0%; 0.0% to 4.0% of certain letters of credit, currently at 0.75%; and 0.0% to 6.0% of outstanding advance commitments settling more than 30 days after trade, currently at 0.0%. As a former member of the FHLB of Indianapolis, we are required to maintain an investment in the capital stock of the FHLB of Indianapolis in accordance with their capital plan that became effective on September 26, 2020. This plan requires the Company, as a former member, to maintain its activity-based stock requirements (B-2 stock) ranging from 1.0% to 6.0% of advances, currently at 4.5%; 1.0% to 6.0% for lines of credit, currently at 4.5%; 0.10% to 6.0% for letters of credit, currently at 0.10%; 1.0% to 6.0% of derivative contracts, currently at 4.5%; 0.0% to 6.0% for mandatory Mortgage Purchase Program ( when servicing rights are created through loan originations and the underlying loan is sold. Upon sale, the mortgage servicing right (“ MPP ” ), currently at 0.0%, 0.0% to 6.0% for optional MPP, currently at 4.5%; and 1.0% to 6.0% for Community Investment Program ( when servicing rights are created through loan originations and the underlying loan is sold. Upon sale, the mortgage servicing right (“ CIP ” ) advances, currently at 4.5%. Class B stock may be redeemed upon five year's prior written notice from the member in accordance with Section VI.B of the capital plan. Class B stock is also subject to repurchase by the FHLB of Indianapolis, in its discretion, whether or not requested by the member. Our class B shares are scheduled to be redeemed on April 24, 2025 unless they are repurchased by the FHLB of Indianapolis prior to that date. Our investment in the capital stock of the FHLB of Pittsburgh at December 31, 2022 and December 31, 2021 was $37.0 million and $10.4 million, respectively. In addition, our investment of capital stock of the FHLB of Indianapolis at December 31, 2022 was $3.1 million and $3.8 million at December 31, 2021. We received dividends on capital stock during the years ended December 31, 2022 and 2021 of $730,000 and $407,000, respectively. Future dividends may be established at different rates for the two subclasses of capital stock.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and Equipment Premises and equipment at December 31, 2022 and 2021 are summarized by major classification in the following table: December 31, 2022 2021 Land and land improvements $ 24,368 25,449 Office buildings and improvements 139,180 152,654 Furniture, fixtures and equipment 138,590 138,242 Leasehold improvements 23,559 20,288 Total, at cost 325,697 336,633 Less accumulated depreciation and amortization (179,788) (180,109) Premises and equipment, net $ 145,909 156,524

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets The following table provides information for intangible assets subject to amortization for the years ended December 31, 2022 and 2021: December 31, 2022 2021 Amortizable intangible assets: Core deposit intangibles - gross $ 74,899 74,899 Less: accumulated amortization (66,367) (62,158) Core deposit intangibles - net $ 8,532 12,741 Customer and Contract intangible assets - gross $ 12,775 12,775 Customer list intangible assets disposed of due to sale of insurance business — (1,547) Less: accumulated amortization (12,747) (11,133) Customer and Contract intangible assets - net 28 95 Total intangible assets - net $ 8,560 12,836 The following information shows the actual aggregate amortization expense for the years ended December 31, 2022, 2021 and 2020 as well as the estimated aggregate amortization expense, based upon current levels of intangible assets, for each of the five succeeding fiscal years: For the year ended December 31, 2020 $ 6,856 For the year ended December 31, 2021 5,553 For the year ended December 31, 2022 4,277 For the year ending December 31, 2023 3,270 For the year ending December 31, 2024 2,452 For the year ending December 31, 2025 1,662 For the year ending December 31, 2026 871 For the year ending December 31, 2027 305 The following table provides information for the changes in the carrying amount of goodwill: Total Balance at December 31, 2020 $ 382,279 Purchase accounting adjustment 77 Goodwill disposed of due to sale of insurance business (1,359) Balance at December 31, 2021 380,997 Balance at December 31, 2022 $ 380,997 We performed our annual goodwill impairment test as of June 30, 2022 in accordance with ASC 350, Intangibles - Goodwill and Other,

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Deposits	Deposits Deposit balances at December 31, 2022 and 2021 are shown in the table below: December 31, 2022 2021 Noninterest-bearing demand deposits $ 2,993,243 3,099,526 Interest-bearing demand deposits 2,686,431 2,940,442 Money market deposit accounts 2,457,569 2,629,882 Savings deposits 2,275,020 2,303,760 Time deposits 1,052,285 1,327,555 Total deposits $ 11,464,548 12,301,165 The aggregate amount of time deposits with a minimum denomination of $100,000 at December 31, 2022 and 2021 was $355.0 million and $439.5 million, respectively. Generally, deposits in excess of $250,000 are not federally insured. At December 31, 2022 and 2021, we had $4.031 billion and $4.194 billion of deposits in accounts exceeding $250,000, respectively. The following table summarizes the contractual maturity of time deposits at December 31, 2022 and 2021: December 31, 2022 2021 Due within 12 months $ 754,564 890,101 Due between 12 and 24 months 186,803 288,284 Due between 24 and 36 months 46,500 80,251 Due between 36 and 48 months 26,734 33,843 Due between 48 and 60 months 33,691 29,692 After 60 months 3,993 5,384 Total time deposits $ 1,052,285 1,327,555 The following table summarizes the interest expense incurred on the respective deposits for the years ended December 31, 2022, 2021 and 2020: Years ended December 31, 2022 2021 2020 Interest-bearing demand deposits $ 1,517 1,660 3,358 Money market deposit accounts 3,381 2,597 7,021 Savings deposits 2,339 2,413 2,614 Time deposits 6,883 12,452 22,903 Total interest expense on deposits $ 14,120 19,122 35,896

Borrowed Funds

Borrowed Funds	12 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Borrowed Funds	Borrowed Funds (a) Borrowings Borrowed funds at December 31, 2022 and 2021 are presented in the following table: December 31, 2022 2021 Amount Average rate Amount Average rate Term notes payable to the FHLB of Pittsburgh, due within one year $ 500,000 4.55 % $ — — % Notes payable to the FHLB of Pittsburgh, due within one year 51,300 4.45 % — — % Collateralized borrowings, due within one year 105,766 0.27 % 139,093 0.19 % Collateral received, due within one year 24,100 4.17 % — — % Total borrowed funds $ 681,166 $ 139,093 Borrowings from the Federal Home Loan Banks (“FHLB”) of Pittsburgh, if any, are secured by our residential first mortgage and other qualifying loans. Certain of these borrowings are subject to restrictions or penalties in the event of prepayment. The revolving line of credit with the FHLB of Pittsburgh carries a commitment of $250.0 million. The rate is adjusted daily by the FHLB of Pittsburgh, and any borrowings on this line may be repaid at any time without penalty. At December 31, 2022 and December 31, 2021, the balance of the revolving line of credit was $51.3 million and $0, respectively. At December 31, 2022 and December 31, 2021, collateralized borrowings due within one year were $105.8 million and $139.1 million, respectively. These borrowings are collateralized by cash or various securities held in safekeeping by the FHLB. The market value of these securities exceeds the value of the collateralized borrowings . The average amount of collateralized borrowings outstanding in the years ended December 31, 2022 and 2021 was $115.4 million and $132.1 million, respectively. The maximum amount of collateralized borrowings outstanding during the years ended December 31, 2022 and 2021 was $135.7 million and $139.6 million, respectively. At December 31, 2022 and December 31, 2021, collateral received was $24.1 million and $0, respectively. This represents collateral posted to us from our derivative counterparties. At December 31, 2022 and December 31, 2021, term notes payable to the FHLB of Pittsburgh due within one year were $500.0 million and $0, respectively. This total is made up of five advances: $100.0 million at 4.54% maturing January 6, 2023; $100.0 million at 4.53% maturing January 13, 2023; $100.0 million at 4.57% maturing January 19, 2023; $100.0 million at 4.54% maturing January 20, 2023; and $100.0 million at 4.58% maturing January 27, 2023. On September 9, 2020, the Company issued $125.0 million of 4.00% fixed-to-floating rate subordinated notes with a maturity date of September 15, 2030. The subordinated notes, which qualify as Tier 2 capital, bear interest at an annual rate of 4.00%, payable semi-annually in arrears commencing on March 15, 2021, and a floating rate of interest equivalent to the 3-month Secured Overnight Financing Rate (“SOFR”) plus 3.89% payable quarterly in arrears commencing on December 15, 2025. During the year-ended December 31, 2022 the Company repurchased $10.2 million of subordinated notes leaving $114.8 million of subordinated notes outstanding. The subordinated debt issuance costs of approximately $1.8 million are being amortized over five years on a straight-line basis into interest expense. At December 31, 2022 and December 31, 2021, subordinated debentures, net of issuance costs, were $113.8 million and $123.6 million, respectively. (b) Trust Preferred Securities The Company has seven statutory business trusts: Northwest Bancorp Capital Trust III, a Delaware statutory business trust, Northwest Bancorp Statutory Trust IV, a Connecticut statutory business trust, LNB Trust II, a Delaware statutory business trust, Union National Capital Trust I (“UNCT I”), a Delaware statutory business trust, Union National Capital Trust II (“UNCT II”), a Delaware statutory business trust, MFBC Statutory Trust I, a Delaware statutory trust, and Universal Preferred Trust, a Delaware statutory trust (the “Trusts”). The Trusts exist solely to issue preferred securities to third parties for cash, issue common securities to the Company in exchange for capitalization of the Trusts, invest the proceeds from the sale of trust securities in an equivalent amount of debentures of the Company, and engage in other activities that are incidental to those previously listed. The Trusts have invested the proceeds of the offerings in junior subordinated deferrable interest debentures issued by the Company. The structure of these debentures mirrors the structure of the trust-preferred securities. These subordinated debentures are the sole assets of the Trusts. As the shareholders of the trust preferred securities are the primary beneficiaries of the Trusts, the Trusts are not consolidated in our financial statements. The following table sets forth a summary of the cumulative trust preferred securities and the junior subordinated debt held by the Trust as of December 31, 2022 and 2021. Maturity date Interest rate Capital debt December 31, 2022 2021 Northwest Bancorp Capital Trust III December 30, 2035 3-month LIBOR plus 1.38% $ 50,000 51,547 51,547 Northwest Bancorp Statutory Trust IV December 15, 2035 3-month LIBOR plus 1.38% 50,000 51,547 51,547 LNB Trust II June 15, 2037 3-month LIBOR plus 1.48% 7,875 8,119 8,119 Union National Capital Trust I (1) January 23, 2034 3-month LIBOR plus 2.85% 8,000 7,975 7,950 Union National Capital Trust II (1) November 23, 2034 3-month LIBOR plus 2.00% 3,000 2,768 2,741 MFBC Statutory Trust I (1) September 15, 2035 3-month LIBOR plus 1.70% 5,000 3,684 3,580 Universal Preferred Trust (1) October 7, 2035 3-month LIBOR plus 1.69% 5,000 3,674 3,570 $ 128,875 129,314 129,054 (1) Net of discounts due to the fair value adjustment made at the time of acquisition. Cash distributions on the trust securities are made on a quarterly basis to the extent interest on the debentures is received by the Trusts. We have the right to defer payment of interest on the subordinated debentures at any time, or from time-to-time, for periods not exceeding five years. If interest payments on the subordinated debentures are deferred, the distributions on the trust securities also are deferred. To date there have been no interest deferrals. Interest on the subordinated debentures and distributions on the trust securities is cumulative. Our obligation constitutes a full, irrevocable, and unconditional guarantee on a subordinated basis of the obligations of the trust under the preferred securities. The Trusts must redeem the preferred securities when the debentures are paid at maturity or upon an earlier redemption of the debentures to the extent the debentures are redeemed. All or part of the debentures may be redeemed at any time. Also, the debentures may be redeemed at any time if existing laws or regulations, or the interpretation or application of these laws or regulations, change causing: • the interest on the debentures to no longer be deductible by the Company for federal income tax purposes; • the trust to become subject to federal income tax or to certain other taxes or governmental charges; • the trust to register as an investment company; or • the preferred securities do not qualify as Tier I capital. We may, at any time, dissolve any of the Trusts and distribute the debentures to the trust security holders, subject to receipt of any required regulatory approval(s).

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Total income tax was allocated for the years ended December 31, 2022, 2021 and 2020 as follows: Years ended December 31, 2022 2021 2020 Income tax expense $ 40,026 46,801 17,672 Shareholders’ equity for unrealized gain/(loss) on securities available-for-sale (45,321) (10,425) 5,061 Shareholders’ equity for pension adjustment 6,980 9,659 (3,774) Unallocated income tax $ 1,685 46,035 18,959 Income tax expense applicable to income before taxes consists of: Years ended December 31, 2022 2021 2020 Current tax provision/(benefit): Federal $ 36,235 24,554 23,968 State 9,295 9,933 1,788 Total current tax provision/(benefit) 45,530 34,487 25,756 Deferred tax provision/(benefit): Federal (5,325) 10,752 (9,072) State (179) 1,562 988 Total deferred tax provision/(benefit) (5,504) 12,314 (8,084) Total income tax expense $ 40,026 46,801 17,672 A reconciliation of the expected federal statutory income tax rate to the effective rate, expressed as a percentage of pretax income for the years ended December 31, 2022, 2021 and 2020, is as follows: Years ended December 31, 2022 2021 2020 Expected tax rate 21.0 % 21.0 % 21.0 % Tax-exempt interest income (1.1) % (0.9) % (1.7) % State income tax, net of federal benefit 4.0 % 4.5 % 2.2 % Bank-owned life insurance (0.9) % (0.6) % (1.1) % Stock-based compensation 0.1 % (0.1) % 0.2 % Dividends on stock plans (0.5) % (0.4) % (0.9) % Low income housing and historic tax credits (0.2) % (0.2) % (0.9) % Other 0.6 % — % 0.3 % Effective tax rate 23.0 % 23.3 % 19.1 % The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2022 and 2021 are presented below: December 31, 2022 2021 Deferred tax assets: Deferred compensation expense $ 4,804 4,230 Bad debts 27,105 23,273 Other reserves 3,554 1,333 Accrued post-retirement benefit cost 502 900 Stock benefit plans 652 623 Pension and post-retirement benefits 2,767 9,747 Unrealized loss on the fair value of securities available-for-sale 49,414 4,093 Deferred income 95 341 Lease liability 13,101 12,958 Purchase accounting 696 432 Net operating loss 1,592 2,140 Other 1,877 922 Total deferred tax assets 106,159 60,992 Deferred tax liabilities: Pension expense 6,231 6,993 Intangible assets 17,400 16,543 Mortgage servicing rights 1,768 2,278 Fixed assets 6,518 5,287 Net deferred loan costs 3,055 2,338 Right of use asset 12,463 12,322 Interest rate derivatives 123 341 Other 2,369 2,503 Total deferred tax liabilities 49,927 48,605 Net deferred tax asset $ 56,232 12,387 We have $2.9 million of federal net operating loss carryovers subject to the annual limitation under Internal Revenue Code Section 382 at December 31, 2022. The carryovers begin to expire in 2030 and are expected to be fully realized. We have $32.0 million of Indiana net operating loss carryovers subject to annual limitation as Indiana conforms to the Internal Revenue Code Section 382 at December 31, 2022. The carryovers begin to expire in 2026. Due to limitation, we do not expect to realize $7.6 million of the Indiana net operating loss carryover. This is netted against the net operating loss deferred tax asset in the preceding table. We recorded a valuation allowance against state deferred tax assets of a Northwest subsidiary since the subsidiary is not expected to utilize its deferred tax assets in the foreseeable future. This valuation allowance is netted against other deferred tax assets in the preceding table. Other than stated above, we have determined that no valuation allowance is necessary for the deferred tax assets because it is more likely than not that these assets will be realized through future reversals of existing temporary differences and through future taxable income. We will continue to review the criteria related to the recognition of deferred tax assets on a regular basis. We utilize a comprehensive approach to recognize, measure, present and disclose in our financial statements uncertain tax positions that the company has taken or expects to take on a tax return. We recognize interest accrued and penalties (if any) related to unrecognized tax benefits in income tax expense. The accrual for interest and penalties was not material for all years presented. The following table presents changes in unrecognized tax benefits at December 31, 2022, 2021 and 2020: Year ended December 31, 2022 2021 2020 Unrecognized tax benefits: Balance, beginning of year $ 241 331 — Increases related to prior year tax positions 252 37 336 Decreases related to prior year tax positions (28) (173) (5) Increases related to current year tax positions 8 46 — Balance, end of year $ 473 241 331 It is reasonably possible that over the next twelve months the amount of unrecognized tax benefits may change from the reevaluation of uncertain tax positions arising in examinations, in appeals, or in the courts, or from the closure of tax statutes. We do not expect any significant changes in unrecognized tax benefits during the next twelve months.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2022
Stockholders' Equity Note [Abstract]
Shareholders' Equity	Shareholders’ Equity Retained earnings are partially restricted in connection with regulations related to the insurance of deposit accounts, which requires Northwest to maintain certain statutory reserves. Northwest may not pay dividends on or repurchase any of its common stock if the effect thereof would reduce retained earnings below the level of adequate capitalization as defined by federal and state regulators. In tax years prior to fiscal 1997, Northwest was permitted, under the Internal Revenue Code (“IRC”), to deduct an annual addition to a reserve for bad debts in determining taxable income, subject to certain limitations. Bad debt deductions for income tax purposes are included in taxable income of later years only if the bad debt reserve is used subsequently for purposes other than to absorb bad debt losses. Because Northwest does not intend to use the reserve for purposes other than to absorb losses, no deferred income taxes have been provided prior to fiscal 1987. Retained earnings at December 31, 2022 and 2021 include approximately $39.1 million representing such bad debt deductions for which no deferred income taxes have been provided.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Basic earnings per common share (“EPS”) is computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding for the period, without considering any dilutive items. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company. During the year ended December 31, 2022, 1,950,847 stock options were not included in the computation of diluted earnings per share because the stock options’ exercise price was more than the average market price of the common shares of $13.79. During the year ended December 31, 2021, 2,146,897 stock options were not included in the computation of diluted earnings per share because the stock options’ exercise price was more than the average market price of the common shares of $13.80. During the year ended December 31, 2020, 4,677,841 stock options were not included in the computation of diluted earnings per share because the stock options’ exercise price was more than the average market price of the common shares of $11.54. The following table sets forth the computation of basic and diluted earnings per share for the years ended December 31, 2022, 2021 and 2020. Years ended December 31, 2022 2021 2020 Net income $ 133,666 154,323 74,854 Less: Dividends and undistributed earnings allocated to participating securities 585 1,010 — Net income available to common shareholders $ 133,081 153,313 74,854 Weighted average common shares outstanding (1) 126,167,892 126,181,586 120,244,474 Add: Participating shares outstanding (1) 556,201 828,251 — Total weighted average common shares and dilutive potential shares (1) 126,724,093 127,009,837 120,244,474 Basic earnings per share (1) $ 1.05 1.22 0.62 Diluted earnings per share (1) $ 1.05 1.21 0.62 (1) Not in thousands.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2022
Retirement Benefits [Abstract]
Employee Benefit Plans	Employee Benefit Plans (a) Pension Plans We maintain noncontributory defined benefit pension plans covering substantially all employees and members of our board of directors. Retirement benefits are based on certain compensation levels, age, and length of service. Contributions are based on an actuarially determined amount to fund not only benefits attributed to service to date but also for those expected to be earned in the future. In addition, we have an unfunded Supplemental Executive Retirement Plan (“SERP”) to compensate those executive participants eligible for the defined benefit pension plan whose benefits are limited by Section 415 of the IRC. We also sponsor a retirement savings plan in which substantially all employees participate. We provide a matching contribution of 100% of each employee’s contribution to a maximum of 4% of the employee’s compensation. Effective August 1, 2020, the Pension Plan was amended to include a soft freeze. The soft freeze will allow those employees in an eligible position that were hired, rehired, or acquired on or before July 31, 2020, to continue to vest and accrue additional benefits for each year they are credited with 1,000 hours or more. Employees that are hired, rehired, acquired, or transfer to an eligible job classification on or after August 1, 2020 are not eligible to participate in the Pension Plan. Total expense for all retirement plans, including defined benefit pension plans, was approximately $4.5 million, $10.1 million and $8.2 million, for the years ended December 31, 2022, 2021 and 2020, respectively. Components of net periodic pension cost and other amounts recognized in other comprehensive income: The following table sets forth components of net periodic pension cost and other amounts recognized in other comprehensive income for the years ended December 31, 2022, 2021 and 2020. Years ended December 31, 2022 2021 2020 Defined benefit pension plan: Service cost $ 10,396 11,440 8,391 Interest cost 6,683 6,070 6,855 Expected return on plan assets (15,454) (13,859) (12,362) Amortization of prior service cost (2,257) (2,322) (2,322) Amortization of the net loss 1,525 4,156 3,695 Net periodic pension cost, defined benefit pension plans 893 5,485 4,257 Other changes in defined benefit pension plan recognized in other comprehensive income: Net (gain)/loss (28,222) (36,552) 11,521 Amortization of prior service cost 2,257 2,322 2,323 Total recognized in other comprehensive income (25,965) (34,230) 13,844 Total recognized in net periodic pension cost and other comprehensive income $ (25,072) (28,745) 18,101 The estimated net gain and prior service credit for the defined benefit pension plan that will be amortized from accumulated other comprehensive income into net periodic cost ending December 31, 2023 is $1.6 million and $1.5 million, respectively. The following table sets forth information for the defined benefit pension plans’ funded status at December 31, 2022 and 2021: December 31, 2022 2021 Change in benefit obligation: Benefit obligation at beginning of year $ 246,934 258,589 Service cost 10,396 11,440 Interest cost 6,683 6,070 Actuarial gain (70,121) (19,834) Benefits paid (9,133) (9,331) Benefit obligation at end of year 184,759 246,934 Change in plan assets: Fair value of plan assets at beginning of year 239,438 216,872 Actual return on plan assets (27,970) 26,421 Employer contributions 456 5,476 Benefits paid (9,133) (9,331) Fair value of plan assets at end of period 202,791 239,438 Funded status at end of year $ 18,032 (7,496) The following table sets forth the assumptions used to develop the net periodic pension cost: Years ended December 31, 2022 2021 2020 Discount rate 2.75 % 2.39 % 3.14 % Expected long-term rate of return on assets 6.50 % 6.50 % 6.50 % Rate of increase in compensation levels 3.00 % 3.00 % 3.00 % The following table sets forth the assumptions used to determine benefit obligations at the end of each period: Years ended December 31, 2022 2021 2020 Discount rate 4.99 % 2.75 % 2.39 % Expected long-term rate of return on assets 6.50 % 6.50 % 6.50 % Rate of increase in compensation levels 3.00 % 3.00 % 3.00 % The expected long-term rate of return on assets is based on the expected return of each of the asset categories, weighted based on the median of the target allocation for each category. We use the FTSE (previously Citigroup) Pension Liability Index rates matching the duration of our benefit payments as of the measurement date to determine the discount rate. The accumulated benefit obligation for the funded defined benefit pension plan was $182.3 million, $243.6 million, and $254.2 million at December 31, 2022, 2021 and 2020, respectively. The accumulated benefit obligation for all unfunded defined benefit plans was $2.5 million, $3.3 million, and $4.4 million at December 31, 2022, 2021 and 2020, respectively. The following table sets forth certain information related to our pension plans: December 31, 2022 2021 Projected benefit obligation $ 184,759 246,934 Accumulated benefit obligation 184,759 246,934 Fair value of plan assets 202,791 239,438 Because of the current funding status, we do not anticipate a funding requirement during the year ending December 31, 2023. The investment policy as established by the Plan Administrative Committee, to be followed by the Trustee, is to invest assets based on the target allocations shown in the table below. To meet target allocation ranges set forth by the Plan Administrative Committee, periodically, the assets are reallocated by the Trustee. The investment policy is reviewed periodically to determine if the policy should be changed. Pension assets are conservatively invested with the goal of providing market or better returns with below market risks. Assets are invested in a balanced portfolio composed primarily of equities, fixed income, and cash or cash equivalent investments. The Trustee tries to maintain an approximate asset mix position of 20% to 50% bonds and 30% to 60% equities. A maximum of 10% may be invested in any one stock, including the stock of Northwest Bancshares, Inc. The objective of holding equity securities is to provide capital appreciation consistent with the ownership of the common stocks of medium to large companies. Acceptable bond investments are direct or agency obligations of the U.S. Government or investment grade corporate bonds. The average maturity of the bond portfolio shall not exceed ten years. The following table sets forth the weighted average asset allocation of defined benefit plans: December 31, Target allocation 2022 2021 Debt securities 20 – 50% 26 % 25 % Equity securities 30 – 60% 65 % 66 % Other 5 – 50% 9 % 9 % Total 100 % 100 % All of the assets held by the defined benefit pension plan are measured and recorded at estimated fair value on our balance sheet on a recurring basis as Level 1 assets, as defined by the fair value hierarchy defined in Note 15. The following table sets forth the pension plan assets as of December 31, 2022 and 2021. December 31, 2022 2021 Defined benefit pension assets: Common stock $ 61,552 61,968 Mutual funds 121,826 154,676 Money market funds 9,208 11,946 Other 10,205 10,672 Total defined benefit pension plan assets (1) $ 202,791 239,262 (1) The defined benefit pension plan statement of net assets also includes accrued interest and dividends resulting in net assets available for benefits of $203.0 million and $239.4 million, respectfully. The benefits expected to be paid in each year from 2023 to 2027 are $8.7 million, $9.0 million, $9.6 million, $9.9 million and $10.4 million, respectively. The aggregate benefits expected to be paid in the five years from 2028 to 2032 are $60.2 million. The expected benefits to be paid are based on the same assumptions used to measure our benefit obligations at December 31, 2022 and include estimated future employee service. (b) Post-retirement Healthcare Plan In addition to pension benefits, we provide post-retirement healthcare benefits for certain employees who were employed as of October 1, 1993 and were at least 55 years of age on that date. We use the accrual method of accounting for post-retirement benefits other than pensions. Components of net periodic benefit cost and other amounts recognized in other comprehensive income: The following table sets forth the net periodic benefit cost for the post-retirement healthcare benefits plan for the years ended December 31, 2022, 2021 and 2020: Years ended December 31, 2022 2021 2020 Interest cost $ 40 42 26 Amortization of net loss 6 14 18 Net period benefit cost $ 46 56 44 The following table sets forth other changes in the post-retirement healthcare plan’s plan assets and benefit obligations recognized in other comprehensive income: Years ended December 31, 2022 2021 2020 Net loss/(gain) $ 183 (66) (51) Total recognized in other comprehensive income $ 183 (66) (51) Total recognized in net periodic benefit cost and other comprehensive loss $ 229 (10) (7) The estimated net loss for the post-retirement healthcare benefit plan that will be amortized from accumulated other comprehensive income into net periodic benefit cost over the year ending December 31, 2023 is $39,000. The following table sets forth the funded status of the post-retirement healthcare benefit plan at December 31, 2022 and 2021: December 31, 2022 2021 Change in benefit obligation: Benefit obligation at beginning of year $ 1,560 1,807 Interest cost 40 42 Actuarial loss/(gain) 189 (53) Benefits paid (268) (236) Benefit obligation at end of year $ 1,521 1,560 Change in plan assets: Employer contributions $ 268 236 Benefits paid (268) (236) Funded status at year end $ (1,521) (1,560) The assumptions used to develop the preceding information for post-retirement healthcare benefits are as follows: Years ended December 31, 2022 2021 2020 Discount rate 2.75 % 2.39 % 3.14 % Monthly cost of healthcare insurance per beneficiary (1) $ 415 343 370 Annual rate of increase in healthcare costs 5.00 % 5.00 % 4.00 % (1) Not in thousands. If the assumed rate of increase in healthcare costs was increased by one percentage point to 6% from the level presented above, the interest cost component of net periodic post-retirement healthcare benefit cost would increase by $3,600 and the accumulated post-retirement benefit obligation for healthcare benefits would increase by $72,600. The following table sets forth information for plans with an accumulated benefit obligation in excess of plan assets: December 31, 2022 2021 Projected benefit obligation $ 1,521 1,560 Accumulated benefit obligation 1,521 1,560 (c) Common Stock Awards On April 18, 2018, shareholders approved the Northwest Bancshares, Inc. 2018 Equity Incentive Plan with 1,500,000 common shares authorized for award. From this plan, we awarded employees 261,091 common shares and outside directors 21,600 common shares with a grant date fair value of $9.71 per share (total market value of $2.7 million at issuance) on May 20, 2020. We also awarded employees 293,755 common shares and outside directors 27,000 common shares with a grant date fair value of $13.68 per share (total market value of $4.4 million at issuance) on May 25, 2021. Also during 2021, we awarded discretionary grants of 13,452 common shares with a weighted average grant date fair value of $13.76. During 2022, we awarded discretionary grants of 12,521 common shares with a weighted average grant date fair value of $13.98. These shares vest over a five $5.4 million to be recognized for unvested restricted common shares, with an expense recognition period remaining of three years. On May 18, 2022, shareholders approved the Northwest Bancshares, Inc. 2022 Equity Incentive Plan with 3,500,000 shares authorized for award. From this plan, we awarded employees 150,027 restricted stock units (“RSUs”) with a weighted average discounted grant date fair value of $11.00 (total market value of $1.7 million at issuance) on May 18, 2022. The RSUs vest over a three-year period with the first vesting occurring one year from the grant date. The company awarded directors 41,206 restricted stock awards (“RSAs”) with a grant date fair value of $12.55 (total market value of $517,000 at issuance), which fully vest one-year from the grant date, on May 18, 2022. We also awarded employees 150,027 performance share units (“PSUs”) with a discounted grant date fair value of $10.26 (total market value of $1.5 million at issuance) on May 18, 2022. The number of PSUs earned will be based on attainment of certain performance criteria over a three-year period, with the actual number of shares issuable ranging between 0% and 150% of the number of PSUs granted. The PSUs have a three-year cliff vesting, from the date of grant, and any PSU’s earned will be issued after the vesting period. Also during 2022, we awarded RSU discretionary grants of 13,115 shares with a weighted average discounted grant date fair value of $12.69. Total shares forfeited from the 2022 plan were 26,282 as of December 31, 2022. At December 31, 2022, there was compensation expense of $1.2 million to be recognized recognized for awarded but unvested RSUs and $1.0 million to be recognized for awarded but unvested PSUs, with an expense recognition period remaining of 2.5 years. At December 31, 2022, there was compensation expense of $180,000 to be recognized for awarded but unvested RSAs, with an expense recognition period remaining of one year. (d) Stock Option Plans The Northwest Bancshares, Inc. 2018 Equity Incentive Plan also authorized the granting of 3,500,000 stock options authorized for award. On May 20, 2020, we granted employees 556,476 stock options and outside directors 57,600 stock options with an exercise price of $9.71 per share. On May 25, 2021, we granted employees 621,972 stock options and outside directors 72,000 stock options with an exercise price of $13.68 per share. There were no stock options granted during the year-ended December 31, 2022. These awarded stock options vest over a five-year period with the first vesting occurring on the grant date with a ten-year exercise period from the grant date. The following table summarizes the activity in our option plans during the years ended December 31, 2022, 2021 and 2020 (amounts in this table are not in thousands): Years ended December 31, 2022 2021 2020 Number Weighted average Number Weighted average Number Weighted average Balance at beginning of year 4,380,310 $ 14.05 5,243,172 $ 13.72 5,101,351 $ 14.28 Granted (1) — — 693,972 13.68 614,076 9.71 Exercised (2) (465,920) 12.14 (1,219,581) 12.28 (131,309) 11.81 Forfeited/expired (256,810) 14.64 (337,253) 14.59 (340,946) 14.39 Balance at end of year 3,657,580 14.25 4,380,310 14.05 5,243,172 13.72 Exercisable at end of year 2,556,235 14.43 2,618,733 14.15 3,350,356 13.53 (1) Weighted average fair value of options at grant date: N/A, $0.64 and $0.13, respectively. (2) The total intrinsic value of options exercised was $839,000, $2.3 million and $444,000, respectively. The aggregate intrinsic value of all options expected to vest and fully vested options at December 31, 2022 is $145,000 and ($1.1) million, respectively. The following table summarizes the number of options outstanding, number of options exercisable, and weighted average remaining life of all option grants as of December 31, 2022 (amounts in this table are not in thousands): Exercise price $9.71 Exercise price $12.37 Exercise price $12.44 Exercise price $13.15 Exercise price $13.68 Options outstanding: Number of options 442,133 267,197 171,998 237,004 588,401 Weighted average remaining contract life (years) 7.5 2.5 0.5 1.5 8.5 Options exercisable: Number of options 213,249 224,951 171,998 219,395 257,543 Weighted average remaining term - vested (years) 7.5 2.5 0.5 1.5 8.5 Exercise price $14.15 Exercise price $15.57 Exercise price $16.59 Exercise price $17.27 Total Average $14.25 Options outstanding: Number of options 384,878 490,787 626,953 448,229 3,657,580 Weighted average remaining contract life (years) 3.5 4.5 5.5 6.5 5.2 Options exercisable: Number of options 302,162 355,907 504,215 306,815 2,556,235 Weighted average remaining term - vested (years) 3.5 4.5 5.5 6.5 3.8

Disclosures About Fair Value of

Disclosures About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Disclosures About Fair Value of Financial Instruments	Disclosures About Fair Value of Financial Instruments We are required to disclose fair value information about financial instruments whether or not recognized in the Consolidated Statement of Financial Condition. Fair value information of certain financial instruments and all nonfinancial instruments is not required to be disclosed. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. Financial assets and liabilities recognized or disclosed at fair value on a recurring basis and certain financial assets and liabilities on a non-recurring basis are accounted for using a three-level hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. This hierarchy gives the highest priority to quoted prices with readily available independent data in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable market inputs (Level 3). When various inputs for measurement fall within different levels of the fair value hierarchy, the lowest level input that has a significant impact on fair value measurement is used. Financial assets and liabilities are categorized based upon the following characteristics or inputs to the valuation techniques: • Level 1 - Financial assets and liabilities for which inputs are observable and are obtained from reliable quoted prices for identical assets or liabilities in actively traded markets. This is the most reliable fair value measurement and includes, for example, active exchange-traded equity securities. • Level 2 - Financial assets and liabilities for which values are based on quoted prices in markets that are not active or for which values are based on similar assets or liabilities that are actively traded. Level 2 also includes pricing models in which the inputs are corroborated by market data, for example, matrix pricing. • Level 3 - Financial assets and liabilities for which values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. Level 3 inputs include the following: • Quotes from brokers or other external sources that are not considered binding; • Quotes from brokers or other external sources where it cannot be determined that market participants would in fact transact for the asset or liability at the quoted price; and • Quotes and other information from brokers or other external sources where the inputs are not deemed observable. We are responsible for the valuation process and as part of this process may use data from outside sources in establishing fair value. We perform due diligence to understand the inputs used or how the data was calculated or derived. We also corroborate the reasonableness of external inputs in the valuation process. The carrying amounts reported in the Consolidated Statement of Financial Condition approximate fair value for the following financial instruments: cash and cash equivalents, marketable securities available-for-sale, residential mortgage loans held-for-sale, accrued interest receivable, interest rate lock commitments, forward commitments, interest rate swaps, savings and checking deposits, foreign exchange swaps, risk participation agreements, and accrued interest payable. Marketable Securities Where available, market values are based on quoted market prices, dealer quotes, and prices obtained from independent pricing services. Debt securities — available-for-sale - Generally, debt securities are valued using pricing for similar securities, recently executed transactions and other pricing models utilizing observable inputs. The valuation for most debt securities is classified as Level 2. Securities within Level 2 include corporate bonds, municipal bonds, mortgage-backed securities and U.S. government obligations. Certain debt securities which were AAA rated at purchase do not have an active market and as such we have used an alternative method to determine the fair value of these securities. The fair value has been determined using a discounted cash flow model using market assumptions, which generally include cash flow, collateral and other market assumptions. As such, securities which otherwise would have been classified as Level 2 securities if an active market for those assets or similar assets existed are included herein as Level 3 assets. Debt securities — held-to-maturity - The fair value of debt securities held-to-maturity is determined in the same manner as debt securities available-for-sale. Loans Receivable Loans with comparable characteristics including collateral and re-pricing structures are segregated for valuation purposes. Each loan pool is separately valued utilizing a discounted cash flow analysis. Projected monthly cash flows are discounted to present value using a market rate for comparable loans, which is not considered an exit price. Characteristics of comparable loans include remaining term, coupon interest, and estimated prepayment speeds. Delinquent loans are separately evaluated given the impact delinquency has on the projected future cash flow of the loan including the approximate discount or market rate, which is not considered an exit price. Loans Held-for-Sale The estimated fair value of loans held-for-sale is based on market bids obtained from potential buyers. FHLB Stock Due to the restrictions placed on the transferability of FHLB stock, it is not practical to determine the fair value. FHLB stock is recorded at cost. Deposit Liabilities The estimated fair value of deposits with no stated maturity, which includes demand deposits, money market, and other savings accounts, is the amount payable on demand. Although market premiums paid for depository institutions reflect an additional value for these low-cost deposits, adjusting fair value for any value expected to be derived from retaining those deposits for a future period of time or from the benefit that results from the ability to fund interest-earning assets with these deposit liabilities is prohibited. The fair value estimates of deposit liabilities do not include the benefit that results from the low-cost funding provided by these deposits compared to the cost of borrowing funds in the market. Fair values for time deposits are estimated using a discounted cash flow calculation that applies contractual cost currently being offered in the existing portfolio to current market rates being offered locally for deposits of similar remaining maturities. The valuation adjustment for the portfolio consists of the present value of the difference of these two cash flows, discounted at the assumed market rate of the corresponding maturity. Borrowed Funds Fixed rate advances are valued by comparing their contractual cost to the prevailing market cost. The carrying amount of repurchase agreements approximates their fair value. Subordinated Debentures The fair value of our subordinated debentures is calculated using the discounted cash flows at rates observable for other similarly traded liabilities. Junior Subordinated Debentures The fair value of junior subordinated debentures is calculated using the discounted cash flows at the prevailing rate of interest. Interest Rate Lock Commitments and Forward Commitments The fair value of interest rate lock commitments is based on the value of underlying loans held-for-sale which is based on quoted prices for similar loans in the secondary market. This value is then adjusted based on the probability of the loan closing (i.e., the “pull-through” amount, a significant unobservable input). The fair value of forward sale commitments is based on quoted prices from the secondary market based on the settlement date of the contracts. Interest Rate and Foreign Exchange Swap Agreements and Risk Participation Agreements The fair value of interest rate swaps is based upon the present value of the expected future cash flows using the LIBOR swap curve, the basis for the underlying interest rate. To price interest rate swaps, cash flows are first projected for each payment date using the fixed rate for the fixed side of the swap and the forward rates for the floating side of the swap. These swap cash flows are then discounted to time zero using LIBOR zero-coupon interest rates. The sum of the present value of both legs is the fair market value of the interest rate swap. These valuations have been derived from our third party vendor’s proprietary models rather than actual market quotations. The proprietary models are based upon financial principles and assumptions that we believe to be reasonable. The fair value of the foreign exchange swap is derived from proprietary models rather than actual market quotations. The proprietary models are based upon financial principles and assumptions we believe to be reasonable. Risk participation agreements are entered into when Northwest purchases a portion of a commercial loan that has an interest rate swap. Northwest assumes credit risk on its portion of the interest rate swap should the borrower fail to pay as agreed. The value of risk participation agreements is determined based on the value of the swap after considering the credit quality, probability of default, and loss given default of the borrower. Off-Balance Sheet Financial Instruments These financial instruments generally are not sold or traded, and estimated fair values are not readily available. However, the fair value of commitments to extend credit and standby letters of credit is estimated using the fees currently charged to enter into similar agreements. Commitments to extend credit are generally short-term in nature and, if drawn upon, are issued under current market terms. At December 31, 2022 and 2021, there was no significant unrealized appreciation or depreciation on these financial instruments. The following table sets forth the carrying amount and estimated fair value of our financial instruments included in the Consolidated Statement of Financial Condition at December 31, 2022 and 2021: December 31, 2022 Carrying amount Estimated fair value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 139,365 139,365 139,365 — — Securities available-for-sale 1,218,108 1,218,108 — 1,218,108 — Securities held-to-maturity 881,249 751,384 — 751,384 — Loans receivable, net 10,792,503 9,910,852 — — 9,910,852 Residential mortgage loans held-for-sale 9,913 9,913 — — 9,913 Accrued interest receivable 35,528 35,528 35,528 — — Interest rate lock commitments 559 559 — — 559 Forward commitments 128 128 — 128 — Interest rate swaps not designated as hedging instruments 26,642 26,642 — 26,642 — FHLB stock 40,143 40,143 — — — Total financial assets $ 13,144,138 12,132,622 174,893 1,996,262 9,921,324 Financial liabilities: Savings and checking deposits $ 10,412,263 10,412,263 10,412,263 — — Time deposits 1,052,285 1,059,790 — — 1,059,790 Borrowed funds 681,166 680,996 680,996 — — Subordinated debt 113,840 102,554 — 102,554 — Junior subordinated debentures 129,314 133,546 — — 133,546 Foreign exchange swaps 23 23 — 23 — Interest rate swaps not designated as hedging instruments 45,464 45,464 — 45,464 — Risk participation agreements 18 18 — 18 — Accrued interest payable 3,231 3,231 3,231 — — Total financial liabilities $ 12,437,604 12,437,885 11,096,490 148,059 1,193,336 December 31, 2021 Carrying amount Estimated fair value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 1,279,259 1,279,259 1,279,259 — — Securities available-for-sale 1,548,592 1,548,592 — 1,548,592 — Securities held-to-maturity 768,154 751,513 — 751,513 — Loans receivable, net 9,889,095 9,648,825 — — 9,648,825 Residential mortgage loans held-for-sale 25,056 25,056 — — 25,056 Accrued interest receivable 25,599 25,599 25,599 — — Interest rate lock commitments 1,684 1,684 — — 1,684 Forward commitments 371 371 — 371 — Interest rate swaps not designated as hedging instruments 31,254 31,254 — 31,254 — FHLB stock 14,184 14,184 — — — Total financial assets $ 13,583,248 13,326,337 1,304,858 2,331,730 9,675,565 Financial liabilities: Savings and checking accounts $ 10,973,610 10,973,610 10,973,610 — — Time deposits 1,327,555 1,339,308 — — 1,339,308 Borrowed funds 139,093 139,093 139,093 — — Subordinated debt 123,575 129,138 — 129,138 — Junior subordinated debentures 129,054 120,083 — — 120,083 Foreign exchange swaps 341 341 — 341 — Interest rate swaps not designated as hedging instruments 31,357 31,357 — 31,357 — Risk participation agreements 60 60 — 60 — Accrued interest payable 1,804 1,804 1,804 — — Total financial liabilities $ 12,726,449 12,734,794 11,114,507 160,896 1,459,391 Fair value estimates are made at a point-in-time, based on relevant market data and information about the instrument. The preceding methods and assumptions were used in estimating the fair value of financial instruments at December 31, 2022 and 2021. The following table represents assets and liabilities measured at fair value on a recurring basis as of December 31, 2022: Level 1 Level 2 Level 3 Total at Debt securities: U.S. government and agencies $ — 60,592 — 60,592 Government sponsored enterprises — 39,201 — 39,201 States and political subdivisions — 111,766 — 111,766 Corporate — 12,978 — 12,978 Total debt securities — 224,537 — 224,537 Residential mortgage-backed securities: GNMA — 12,434 — 12,434 FNMA — 117,218 — 117,218 FHLMC — 74,991 — 74,991 Non-agency — 6 — 6 Collateralized mortgage obligations: GNMA — 364,553 — 364,553 FNMA — 185,588 — 185,588 FHLMC — 238,781 — 238,781 Total mortgage-backed securities — 993,571 — 993,571 Interest rate lock commitments — — 559 559 Forward commitments — 128 — 128 Interest rate swaps not designated as hedging instruments — 26,642 — 26,642 Total assets $ — 1,244,878 559 1,245,437 Foreign exchange swaps $ — 23 — 23 Interest rate swaps not designated as hedging instruments — 45,464 — 45,464 Risk participation agreements — 18 — 18 Total liabilities $ — 45,505 — 45,505 The following table represents assets and liabilities measured at fair value on a recurring basis as of December 31, 2021: Level 1 Level 2 Level 3 Total at Debt securities: U.S. government and agencies $ — 75,891 — 75,891 Government sponsored enterprises — 46,085 — 46,085 States and political subdivisions — 128,701 — 128,701 Total debt securities — 250,677 — 250,677 Residential mortgage-backed securities: GNMA — 16,510 — 16,510 FNMA — 160,063 — 160,063 FHLMC — 100,055 — 100,055 Non-agency — 431 — 431 Collateralized mortgage obligations: GNMA — 492,328 — 492,328 FNMA — 269,060 — 269,060 FHLMC — 259,468 — 259,468 Total mortgage-backed securities — 1,297,915 — 1,297,915 Interest rate lock commitments — — 1,684 1,684 Forward commitments — 371 — 371 Interest rate swaps not designated as hedging instruments — 31,254 — 31,254 Total assets $ — 1,580,217 1,684 1,581,901 Foreign exchange swaps $ — 341 — 341 Interest rate swaps not designated as hedging instruments — 31,357 — 31,357 Risk participation agreements — 60 — 60 Total liabilities $ — 31,758 — 31,758 The following table presents the changes in Level 3 assets and liabilities measured at fair value on a recurring basis for the year ended December 31, 2022 and 2021: Years ended December 31, 2022 2021 Beginning balance January 1, $ 1,684 6,465 Net activity (1,125) (4,781) Ending balance December 31, $ 559 1,684 Certain assets and liabilities are measured at fair value on a nonrecurring basis after initial recognition such as loans individually assessed, real estate owned, and MSRs. The following table represents the fair market measurement for only those nonrecurring assets that had a fair market value below the carrying amount as of December 31, 2022: Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 15,416 15,416 Mortgage servicing rights — — 95 95 Real estate owned, net — — 413 413 Total assets $ — — 15,924 15,924 The following table represents the fair market measurement for only those nonrecurring assets that had a fair market value below the carrying amount as of December 31, 2021: Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 46,968 46,968 Mortgage servicing rights — — 380 380 Real estate owned, net — — 873 873 Total assets $ — — 48,221 48,221 Individually Assessed Loans - A loan is considered to be individually assessed as described in Note 1(f). We classify loans individually assessed as nonrecurring Level 3. Mortgage servicing rights - Mortgage servicing rights represent the value of servicing residential mortgage loans, when the mortgage loans have been sold into the secondary market and the associated servicing has been retained. The value is determined through a discounted cash flow analysis, which uses interest rates, prepayment speeds and delinquency rate assumptions as inputs. All of these assumptions require a significant degree of management judgment. Servicing rights and the related mortgage loans are segregated into categories or homogeneous pools based upon common characteristics. Adjustments are only made when the estimated discounted future cash flows are less than the carrying value, as determined by individual pool. As such, mortgage servicing rights are classified as nonrecurring Level 3. Real Estate Owned - Real estate owned is comprised of property acquired through foreclosure or voluntarily conveyed by borrowers. These assets are recorded on the date acquired at the lower of the related loan balance or fair value, less estimated disposition costs, with the fair value being determined by appraisal. Subsequently, foreclosed assets are valued at the lower of the amount recorded at acquisition date or fair value, less estimated disposition costs. We classify real estate owned as nonrecurring Level 3. The following table presents additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis and for which we have utilized Level 3 inputs to determine fair value at December 31, 2022: Fair value ($) Valuation Significant Range Loans individually assessed 15,416 Appraisal value (1) Estimated cost to sell 10% Discounted cash flow Discount rate 6.48% (6.48%) Mortgage servicing rights 95 Discounted cash flow Annual service cost $85 Prepayment rate 6.6% to 12.2% (9.0%) Expected life (months) 58.2 to 105.0 (77.6) Option adjusted spread 700 basis points Forward yield curve 4.12% to 5.04% Real estate owned, net 413 Appraisal value (1) Estimated cost to sell 10% Loans held for sale 9,913 Quoted prices for similar loans in active markets adjusted by an expected pull-through rate Estimated pull-through rate 100% (1) Fair value is generally determined through independent appraisals of the underlying collateral, which may include Level 3 inputs that are not identifiable.

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Capital Requirements	Regulatory Capital Requirements We and our banking subsidiary are subject to various regulatory capital requirements administered by the federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary actions by the regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices must be met. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Applicable regulations limit an organization’s capital distributions and certain discretionary bonus payments if the organization does not hold a “capital conservation buffer” consisting of 2.5% of Total Tier 1 and Common Equity Tier 1 (“CET1”) capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements. Quantitative measures established by regulation to ensure capital adequacy require us and our banking subsidiary to maintain minimum amounts and ratios (set forth in the table below) of Total, Tier 1, and CET1 capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier I capital to average assets (as defined). As of December 31, 2022 and 2021, we and our banking subsidiary exceeded all capital adequacy requirements to which we were subject. We have elected to phase the estimated impact of CECL into regulatory capital in accordance with the interim final rule of the Board of Governors of the Federal Reserve System (FRB) and other U.S. banking agencies that became effective on March 31, 2020. As a result, we delayed recognizing the estimated impact of CECL on regulatory capital until after a two-year deferral period, which for us extended through December 31, 2021. Beginning on January 1, 2022, we were required to phase in 75% of the previously deferred estimated capital impact of CECL, with 50% to be phased in at the beginning of 2023, and 25% at the beginning of 2024, until fully phased in by the first quarter of 2025. Under the interim final rule, the estimated impact of CECL on regulatory capital that we will defer and later phase in is calculated as the entire day-one impact at adoption plus 25% of the subsequent change in allowance during the two-year deferral period. As of December 15, 2022, the most recent assessment from FDIC, Northwest Bank exceeded all regulatory capital requirements and their regulatory capital ratios were above the minimum levels required to be considered “well-capitalized” for regulatory purposes . To be considered as “well capitalized,” Northwest Bank must maintain total risk-based, Tier 1 risk-based, CET 1 risk-based, and Tier 1 leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the bank’s categories. The actual, required, and well capitalized levels as of December 31, 2022 and 2021 were as follows: At December 31, 2022 Actual Minimum capital Well capitalized Amount Ratio Amount Ratio Amount Ratio Total capital (to risk weighted assets) Northwest Bancshares, Inc. $ 1,745,701 16.363 % $ 1,120,216 10.500 % $ 1,066,872 10.000 % Northwest Bank 1,568,202 14.712 % 1,119,214 10.500 % 1,065,918 10.000 % Tier 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,516,621 14.216 % 906,841 8.500 % 853,498 8.000 % Northwest Bank 1,452,962 13.631 % 906,030 8.500 % 852,734 8.000 % CET 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,391,296 13.041 % 746,810 7.000 % 693,467 6.500 % Northwest Bank 1,452,962 13.631 % 746,143 7.000 % 692,847 6.500 % Tier 1 capital (leverage to average assets) Northwest Bancshares, Inc. 1,516,621 10.817 % 560,816 4.000 % 701,020 5.000 % Northwest Bank 1,452,962 10.365 % 560,706 4.000 % 700,882 5.000 % (1) Amounts and ratios include the 2022 capital conservation buffer of 2.5% with the exception of Tier 1 capital to average assets. For further information related to the capital conservation buffer, see “ Item 1. Business - Supervision and Regulation ” . At December 31, 2021 Actual Minimum capital Well capitalized Amount Ratio Amount Ratio Amount Ratio Total capital (to risk weighted assets) Northwest Bancshares, Inc. $ 1,682,487 17.056 % $ 1,035,786 10.500 % $ 986,463 10.000 % Northwest Bank 1,551,084 15.738 % 1,034,819 10.500 % 985,542 10.000 % Tier 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,475,190 14.954 % 838,494 8.500 % 789,170 8.000 % Northwest Bank 1,467,362 14.889 % 837,711 8.500 % 788,434 8.000 % CET 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,350,125 13.687 % 690,524 7.000 % 641,201 6.500 % Northwest Bank 1,467,362 14.889 % 689,879 7.000 % 640,602 6.500 % Tier 1 capital (leverage to average assets) Northwest Bancshares, Inc. 1,475,190 10.349 % 570,160 4.000 % 712,699 5.000 % Northwest Bank 1,467,362 10.296 % 570,047 4.000 % 712,558 5.000 % (1) Amounts and ratios include the 2021 capital conservation buffer of 2.5% with the exception of Tier 1 capital to average assets. For further information related to the capital conservation buffer, see Item 1. Business - “ Supervision and Regulation”.

Contingent Liabilities

Contingent Liabilities	12 Months Ended
	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Contingent Liabilities	Contingent Liabilities We and our subsidiaries are subject to a number of asserted and unasserted claims encountered in the normal course of business. Management believes that the aggregate liability, if any, that may result from such potential litigation will not have a material adverse effect on our financial statements. However, we cannot presently determine whether or not any claims against us will have a material adverse effect on our results of operations in any future reporting period.

Legal Proceedings

Legal Proceedings	12 Months Ended
	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Legal Proceedings	Legal Proceedings We establish accruals for legal proceedings when information related to the loss contingencies represented by those matters indicates both that a loss is probable and that the amount of loss can be reasonably estimated. As of December 31, 2022, we do not anticipate that the aggregate ultimate liability arising out of any pending or threatened legal proceedings will be material to our Consolidated Financial Statements. Any such accruals are adjusted thereafter as appropriate to reflect changes in circumstances. Due to the inherent subjectivity of assessments and unpredictability of outcomes of legal proceedings, any amounts accrued may not represent the ultimate loss to us from legal proceedings.

Components of Accumulated Other

Components of Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Components of Accumulated Other Comprehensive Income	Components of Accumulated Other Comprehensive Income The following table sets forth the components of accumulated other comprehensive loss as of December 31, 2022 and 2021: December 31, 2022 2021 Unrealized gain/(loss) on marketable securities available-for-sale $ (164,206) (12,317) Defined benefit pension plans (6,952) (25,312) Accumulated other comprehensive loss $ (171,158) (37,629) The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2022: Unrealized gains and losses on securities Change in defined Total Balance as of January 1, $ (12,317) (25,312) (37,629) Other comprehensive (loss)/income before reclassification adjustments (1) (2) (151,888) 18,884 (133,004) Amounts reclassified from accumulated other comprehensive income (3) (4) (1) (524) (525) Net other comprehensive income/(loss) (151,889) 18,360 (133,529) Balance as of December 31, $ (164,206) (6,952) (171,158) (1) Consists of unrealized holding losses, net of tax of $45,321. (2) Consists of unrealized gains, net of tax of $(7,182). (3) Consists of realized gains, net of tax of $0. (4) Consists of realized gains, net of tax of $202. The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2021: Unrealized gains and losses on securities available-for-sale Change in defined Total Balance as of January 1, $ 16,843 (50,392) (33,549) Other comprehensive income/(loss) before reclassification adjustments (1) (2) (28,873) 23,748 (5,125) Amounts reclassified from accumulated other comprehensive income (3) (4) (287) 1,332 1,045 Net other comprehensive income/(loss) (29,160) 25,080 (4,080) Balance as of December 31, $ (12,317) (25,312) (37,629) (1) Consists of unrealized holding losses, net of tax of $10,333. (2) Consists of unrealized gains, net of tax of $(9,144). (3) Consists of realized gains, net of tax of $92. (4) Consists of realized losses, net of tax of $(515). The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2020: Unrealized gains and losses on securities Change in fair value of Change in defined benefit pension plans Total Balance as of January 1, $ 3,147 — (40,088) (36,941) Other comprehensive income/(loss) before reclassification adjustments (1) (2) (3) 13,711 (946) (11,301) 1,464 Amounts reclassified from accumulated other comprehensive income (4) (5) (6) (15) 946 997 1,928 Net other comprehensive income/(loss) 13,696 — (10,304) 3,392 Balance as of December 31, $ 16,843 — (50,392) (33,549) (1) Consists of unrealized holding gains, net of tax of $(5,607). (2) Consists of unrealized holding losses, net of tax of $209. (3) Consists of unrealized losses, net of tax of $4,169. (4) Consists of realized gains, net of tax of $6. (5) Consists of realized losses, net of tax of $(209). (6) Consists of realized losses, net of tax of $(395).

Parent Company Only Financial S

Parent Company Only Financial Statements - Condensed	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information Disclosure [Abstract]
Parent Company Only Financial Statements - Condensed	Parent Company Only Financial Statements - Condensed Statements of Financial Condition December 31, 2022 2021 Assets Cash and cash equivalents $ 174,102 128,001 Investment in bank subsidiary 1,656,159 1,674,360 Other assets 9,490 9,199 Total assets $ 1,839,751 1,811,560 Liabilities and shareholders’ equity Liabilities: Debentures payable $ 243,154 252,629 Other liabilities 2,109 1,814 Total liabilities 245,263 254,443 Shareholders’ equity 1,594,488 1,557,117 Total liabilities and shareholders’ equity $ 1,839,751 1,811,560 Statements of Income Years ended December 31, 2022 2021 2020 Income: Interest income $ 140 87 196 Other income 805 527 553 Dividends from bank subsidiary 161,000 73,000 — Undistributed earnings from equity investment in bank subsidiary (18,187) 88,944 80,996 Total income 143,758 162,558 81,745 Expense: Compensation and employee benefits 1,656 1,358 1,234 Other expenses 1,042 1,033 2,241 Interest expense 9,825 7,870 4,933 Total expense 12,523 10,261 8,408 Income before income taxes 131,235 152,297 73,337 Income tax benefit (2,431) (2,026) (1,517) Net income $ 133,666 154,323 74,854 Statements of Cash Flows Years ended December 31, 2022 2021 2020 Operating activities: Net income $ 133,666 154,323 74,854 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiary 18,187 (88,944) (80,996) Net change in other assets and liabilities (9,457) 597 128,287 Net cash provided by operating activities 142,396 65,976 122,145 Investing activities: Net cash used in investing activities — — — Financing activities: Cash dividends paid on common stock (101,468) (100,274) (93,132) Repurchase of Northwest stock — (23,854) (9,276) Proceeds from stock options exercised 5,173 14,011 1,479 Net cash used in financing activities (96,295) (110,117) (100,929) Net increase/(decrease) in cash and cash equivalents $ 46,101 (44,141) 21,216 Cash and cash equivalents at beginning of period $ 128,001 172,142 150,926 Net increase/(decrease) in cash and cash equivalents 46,101 (44,141) 21,216 Cash and cash equivalents at end of period $ 174,102 128,001 172,142

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments We are a party to derivative financial instruments in the normal course of business to manage our own exposure to fluctuations in interest rates and to meet the needs of our customers. The primary derivatives that we use are interest rate swaps and caps and foreign exchange contracts, which are entered into with counterparties that meet established credit standards. We believe that the credit risk inherent in all of our derivative contracts is minimal based on our credit standards and the netting and collateral provisions of the interest rate swap agreements. Derivatives Designated as Hedging Instruments During March 2020, the Company entered into four separate pay-fixed interest rate swaps in order to synthetically convert short-term three month FHLB advances to fixed-rate term funding with an aggregate value of $100 million with maturities ranging from three Derivatives and Hedging . As long as the hedge remains highly effective the changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in accumulated other comprehensive income and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. A hedging relationship that is determined to not be highly effective no longer qualifies for hedge accounting and any gain or loss is recognized immediately in earnings. During the quarter of September 30, 2020, the Company discontinued these cash flow hedges and, as a result, reclassified a $1.3 million loss into earnings. As of December 31, 2022, the Company had no cash flow hedges. Derivatives Not Designated as Hedging Instruments We act as an interest rate or foreign exchange swap counterparty for certain commercial borrowers in the normal course of servicing our customers, which are accounted for at fair value. We manage our exposure to such interest rate or foreign exchange swaps by entering into corresponding and offsetting interest rate swaps with third parties that mirror the terms of the swaps we have with the commercial borrowers. These positions (referred to as “customer swaps”) directly offset each other and our exposure is the fair value of the derivatives due to changes in credit risk of our commercial borrowers and third parties. Customer swaps are recorded within other assets or other liabilities on the Consolidated Statement of Financial Condition at their estimated fair value. Changes to the fair value of assets and liabilities arising from these derivatives are included, net, in other operating income in the Consolidated Statement of Income. We enter into interest rate lock commitments for residential mortgage loans which commit us to lend funds to a potential borrower at a specific interest rate within a specified period of time. Interest rate lock commitments that relate to the origination of mortgage loans that will be held-for-sale are considered derivative financial instruments under applicable accounting guidance. Interest rate lock commitments on loans held-for-sale are carried at fair value in other assets on the Consolidated Statement of Financial Condition. Northwest sells loans to the secondary market on a mandatory or best efforts basis. The loans sold on a mandatory basis commit us to deliver a specific principal amount of mortgage loans to an investor at a specified price, by a specified date, or the commitment must be paired off. These forward commitments entered into on a mandatory delivery basis meet the definition of a derivative financial instrument. All closed loans to be sold on a mandatory delivery basis are classified as held-for-sale on the Consolidated Statement of Financial Condition. Changes to the fair value of the interest rate lock commitments and the forward commitments are recorded in mortgage banking income in the Consolidated Statements of Income. We enter into risk participation agreements with financial institution counterparties for interest rate swaps related to loans in which we are a participant. The risk participation agreements provide credit protection to the financial institution should the borrower fail to perform on its interest rate derivative contract with the financial institution. The following table presents information regarding our derivative financial instruments for the periods indicated: Asset derivatives Liability derivatives Notional amount Fair value Notional amount Fair value At December 31, 2022 Derivatives not designated as hedging instruments: Interest rate swap agreements $ 651,114 26,642 651,114 45,464 Foreign exchange swap agreements — — 2,328 23 Interest rate lock commitments 19,727 559 — — Forward commitments 4,909 128 — — Risk participation agreements — — 114,159 18 Total derivatives $ 675,750 27,329 767,601 45,505 At December 31, 2021 Derivatives not designated as hedging instruments: Interest rate swap agreements $ 644,997 31,254 644,997 31,357 Foreign exchange swap agreements — — 17,124 341 Interest rate lock commitments 67,473 1,684 — — Forward commitments 14,484 371 — — Risk participation agreements — — 93,135 60 Total derivatives $ 726,954 33,309 755,256 31,758 The following table presents income or expenses recognized on derivatives for the periods indicated: For the years ended December 31, 2022 2021 2020 Hedging derivatives: Decrease in interest expense $ — — (35) Non-hedging swap derivatives: (Decrease)/increase in other income (83) 1,033 (700) Increase in mortgage banking income 1,368 5,515 6,867

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Operations	Nature of Operations Northwest Bancshares, Inc., a Maryland corporation headquartered in Columbus, Ohio, is the b ank holding company for its wholly owned subsidiary, Northwest Bank. Northwest Bank, a Pennsylvania chartered savings bank, offering a complete line of business and personal banking products, as well as treasury management solutions and wealth management services through its 150 banking locations in Pennsylvania, New York, Ohio, and Indiana.
Principles of Consolidation	Principles of Consolidation The Consolidated Financial Statements include the accounts of the Company and its wholly owned subsidiaries after elimination of all intercompany accounts and transactions.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of the statements of financial condition and cash flows, cash and cash equivalents include cash and amounts due from banks, interest-bearing deposits in other financial institutions, federal funds sold, and other short-term investments with original maturities of three months or less.
Marketable Securities	Marketable Securities We classify marketable securities at the time of purchase as held-to-maturity, available-for-sale, or trading. Securities for which management has the intent and ability to hold until maturity are classified as held-to-maturity and are carried at cost, adjusted for amortization of premiums and accretion of discounts on a level yield basis (amortized cost). If it is management’s intent at the time of purchase to hold securities for an indefinite period of time and/or to use such securities as part of its asset/liability management strategy, the securities are classified as available-for-sale and are carried at fair value, with unrealized gains and losses reported as accumulated other comprehensive income/(loss), a separate component of shareholders’ equity, net of tax. Securities classified as available-for-sale include securities that may be sold in response to changes in interest rates, resultant prepayment risk, or other market factors. Securities that are bought and held principally for the purpose of selling them in the near term are classified as trading and are reported at fair value, with changes in fair value included in earnings. The cost of securities sold is determined on a specific identification basis. We held no securities classified as trading at or during the years ended December 31, 2022 and 2021. Fair values are determined as described in Note 15. Throughout the year we validate the prices received from third parties by comparing them to prices provided by a different independent pricing service. We have reviewed the detailed valuation methodologies provided to us by our pricing services. On a quarterly basis, we measure expected credit losses on held-to-maturity debt securities on a collective basis by major security type and all of our held-to-maturity debt securities are residential mortgage-backed securities. Accrued interest receivable on held-to-maturity debt securities total ed $2.8 million and $2.2 million at December 31, 2022 and December 31, 2021, respectively, and is excluded from estimated credit losses. All of our r esidential mortgage-backed securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. For available-for-sale debt securities in an unrealized loss position, on at least a quarterly basis, we review our investments for impairment. An investment security is deemed impaired if the fair value of the investment is less than its amortized cost. We consider both our intent to sell and the likelihood that we will not have to sell the investment securities before recovery of their amortized cost basis during our evaluation. If we intend to sell the investment security or if it is more likely than not that we will be required to sell the investment security, the entire impairment is recorded in earnings. For available-for-sale debt securities that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment we consider the issuer of the securities and their creditworthiness, any changes to the rating of the security and any adverse conditions specifically related to the security, among other factors. Also, we may evaluate the business and financial outlook of the issuer, as well as broader economic performance indicators. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security is compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than amortized cost. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when we believe the uncollectibility of an available-for-sale security is confirmed or when there is an intent or requirement to sell the security. Accrued interest receivable on available-for-sale debt securities totale d $2.0 million and $1.9 million at December 31, 2022 and December 31, 2021, respectively , and is excluded from the estimate of credit losses. A debt security is placed on nonaccrual status at the time any principal or interest payments become 90 days past due. The receivable for interest income that is accrued but not collected is reversed against interest income when the debt security is placed on nonaccrual status.
Loans Receivable	Loans Receivable Our portfolio segments are based on the class of financing receivable. Additionally, the class of financing receivables are based on several factors including the method for monitoring and assessing credit risk and the risk characteristics of the financing receivables. Based on evaluation of the nature of our financing receivables, along with the nature and extent of exposure to credit risk arising from these receivables, our portfolio segments were determined to be Personal Banking and Business Banking loans. • Personal Banking loans consist of the following classes of financing receivables: ◦ Residential mortgage loans - fixed and adjustable rate mortgage loans ◦ Home equity loans - first and second mortgage loans and home equity lines of credit ◦ Vehicle loans - direct and indirect automobile and motorcycle loans ◦ Consumer loans - unsecured lines of credit, credit card loans, and other consumer loans • Business Banking loans consist of the following classes of financing receivables: ◦ Commercial real estate - multi-family commercial real estate loans are secured by multi-family residences, such as rental properties and loans secured by nonresidential properties such as hotels, commercial offices, medical buildings, manufacturing facilities and retail establishments, excluding owner-occupied loans, and including small business commercial real estate loans ◦ Commercial real estate - owner-occupied loans - commercial real estate loans secured by residential or non-residential properties ◦ Commercial loans - other commercial loans, including small business commercial loans and equipment finance loans Loans are reported at amortized cost. Amortized cost is the principal balance outstanding, net of any deferred purchased premiums an d discounts, deferred origination fees or costs and the allowance for credit losses. Accrued interest receivable totaled $30.4 million and $21.3 million at December 31, 2022 and December 31, 2021, respectively, and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition. Accrued interest receivable is excluded from the amortized cost basis of loans and from the estimate of allowance for credit losses. Interest income on loans is credited to income as earned. Interest earned on loans for which no payments were received during the month is accrued at month end. Generally accrued interest on loans more than 90 days delinquent is reversed and such loans are placed on nonaccrual status, except for credit card loans which are not placed in nonaccrual status based on delinquency. All loans are placed on nonaccrual status when principal or interest is 90 days or more delinquent or when there is reasonable doubt that interest or principal will not be collected in accordance with the contractual terms. Interest receipts on all nonaccrual loans are recognized as interest income when it has been determined that all principal and interest will be collected or are applied to principal when collectability of contractual principal is in doubt. Nonaccrual loans generally are restored to an accrual basis when principal and interest become current and a period of performance has been established in accordance with the contractual terms, typically six months. A loan is considered to be a troubled debt restructuring loan (“TDR”) when the borrower is experiencing financial difficulties and the restructuring constitutes a concession. TDRs may include modifications of terms of loans, receipts of assets from borrowers in partial or full satisfaction of loans, or a combination thereof. A modified loan is determined to be a TDR based on the contractual terms as specified by the original loan agreement or the most recent modification. Once classified as a TDR, a loan is removed from such classification under three circumstances: (1) the loan is paid off, (2) the loan is charged off, or (3) if, at the beginning of the current fiscal year, the loan has performed in accordance with the modified terms for a minimum of six consecutive months and at the time of modification the loan’s interest rate represented a then current market interest rate for a loan of similar risk. Loan delinquency is measured based on the number of days since the payment due date. Past due status is measured using the loan’s contractual maturity date. Personal Banking loans are charged-off or charged down when they become 180 da ys delinquent, unless the borrower has filed for bankruptcy. Business Banking loans are charged-off or charged down when, in our opinion, they are no longer collectible or when it has been determined that the collateral value no longer supports the carrying value of the loan for loans that are collateral dependent. Loan fees and certain direct loan origination costs are deferred and the net deferred fee or cost is then recognized using the level-yield method over the contractual life of the loan as an adjustment to interest income. We identify certain residential mortgage loans which will be sold prior to maturity, as loans held-for-sale. These loans are recorded at fair value less estimated cost to sell. At December 31, 2022 and 2021, there were $9.9 million and $25.1 million of residential mortgage loans classified as held-for-sale, respectively. Acquired loans that are not considered purchased with credit deterioration (“PCD”) are initially measured at fair value with no carryover of the related allowance for credit losses. Determining the fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest. Acquired loans may be classified as PCD loans upon acquisition if they have experienced more than insignificant credit deterioration since origination. Loans are considered to have experienced more than insignificant credit deterioration if they are greater than 30 days past due, classified special mention or worse or on nonaccrual status. An allowance for credit losses on day 1
Allowance for Loan Losses and Provision for Loan Losses	Allowance for Credit Losses and Provision for Credit Losses The allowance for credit losses is deducted from, or added to, the loan’s amortized cost basis to present the net amount expected to be collected on our lending portfolios. We estimate the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Loans are charged off against the allowance when we believe that a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Expected credit losses are estimated over the contractual term of the loans, adjusted for prepayments. The contractual term excludes expected extensions, renewals and modifications unless we had a reasonable expectation at the reporting date that a TDR will be executed for an individual borrower or the extension or renewal option is included in the contract and is not unconditionally cancellable by the Company. Credit card receivables do not have stated maturities. In determining the estimated life of a credit card receivable, we first estimate the future cash flows expected to be received and then apply those expected future cash flows to the credit card balance. The allowance for credit losses is measured on a collective (“pool”) basis when similar risk characteristics exist. For the purpose of calculating portfolio-level reserves, we have grouped our loans into seven segments: residential mortgage loans, home equity loans, vehicle loans, consumer loans, commercial real estate loans, commercial real estate owner-occupied and commercial loans. The allowance for credit losses is measured at the pool level utilizing loan-level inputs wherever possible. We use a twenty-four month forecasting period and revert to historical average loss rates thereafter. The reasonable and supportable forecast is based on a probability-weighted multiple economic scenario approach and obtained from a third party vendor. Reversion to the mean takes place over a twelve-month period. Our loss rate models utilize a linear reversion method. For our probability of default (“PD”)/loss given default (“LGD”) models we revert the PD utilizing exponential reversion, which is an accelerated method, and the LGD utilizing a linear reversion method. Historical average loss rates are calculated using historica l data beginning in 2009 through the current period. As part of the analysis as of December 31, 2022, we considered the most recent economic conditions and forecasts available. Mortgage and Home Equity Loans The allowance for credit losses within the mortgage and home equity loan pools is calculated using a non-discounted cash flow method through a PD and LGD model developed by an external third-party. These classes are further divided into smaller pools of loans with similar risk characteristics such as: lines versus loans, fixed versus variable, senior lien position versus junior lien position, among other things. For each pool, the models project default rates, prepayment rates, and severity rates. The models accept as inputs key risk drivers such as: current balance, original credit bureau score, original loan-to-value ratio, type of collateral, location of collateral, delinquency status, loan age, among other characteristics. They also utilize macroeconomic forecasts of home price indices, unemployment rates, gross domestic product, and others. Vehicle Loans The allowance for credit losses within the vehicle loan pool is calculated using a non-discounted cash flow model through a PD and LGD model developed by an external third-party. These classes are further divided into smaller pools of loans with similar risk characteristics such as: cars, trucks and powersport vehicles and recreational vehicles. Monthly probabilities of default and prepayments are estimated for each loan, along with estimates of exposure at default and loss given default. The model accepts as inputs key risk drivers such as loan, borrower, and collateral characteristics. It also uses macroeconomic forecasts of used car price indices, gross domestic product, unemployment rates and others. Consumer Loans The allowance for credit losses within the consumer loan portfolio is calculated at the portfolio-level using a non-discounted cash flow method through a suite of loss rate models developed internally with the assistance of an external third-party. This class of financing receivables is further divided into credit cards, unsecured lines of credit and other consumer loans. The allowance for credit losses for credit cards and unsecured lines of credit is calculated using two transition matrix models to project portfolio-level net charge-off rates. Both models use current balance and delinquency status as key risk drivers. These models are not natively sensitive to macroeconomic conditions. The necessary adjustments to account for current and expected macroeconomic conditions is captured via our qualitative adjustment framework. For other consumer loans, a regression model is used to project portfolio-level net charge-off rates. This model uses borrower information and macroeconomic forecasts as key inputs. Commercial Real Estate Loans The commercial real estate loan class is further segmented into smaller pools of loans with similar risk characteristics, commercial real estate loans and small business commercial real estate loans. The allowance for credit losses for the commercial real estate loan portfolio is calculated at the pool level using a non-discounted cash flow method through a PD/LGD model developed by an external third-party. This model projects default and severity rates. The model accepts as inputs key risk drivers such as: current balance, original loan-to-value-ratio, type of collateral, location of collateral, delinquency status, loan age, obligor financial statement information, and expected prepayment rates, among other characteristics. It also utilizes macroeconomic forecasts of commercial real estate price indices, unemployment rates, gross domestic product and others. The allowance for credit losses is calculated for commercial real estate small business loans at the portfolio-level using a non-discounted cash flow method through a loss rate model developed internally with the assistance of an external third-party. A regression model is used to project portfolio-level net charge-off rates. This model uses loan characteristics and macroeconomic forecasts as key inputs. Commercial Loans and Commercial Real Estate - Owner Occupied Loans The commercial loan class is further segmented into smaller pools of loans with similar risk characteristics, commercial loans, commercial small business loans and commercial equipment finance loans. The allowance for credit losses for the commercial loan portfolio and the commercial real estate - owner occupied loan portfolio is calculated at the pool level using a non-discounted cash flow method through a PD/LGD model developed by an external third-party. The commercial loan portfolio and the commercial real estate owner occupied loan portfolio models project default and severity rates. The model accepts as inputs key risk drivers such as the obligor financial statement information, collateral type, the obligor’s primary industry, expected prepayment rates, among other characteristics. It also utilizes macroeconomic forecasts of unemployment rates, gross domestic product, corporate bond spreads, and others. The allowance for credit losses for commercial small business loans is calculated at the portfolio-level using a non-discounted cash flow method through a loss rate model developed internally with the assistance of an external third-party. A regression model is used to project portfolio-level net charge-off rates. This model uses loan characteristics and macroeconomic forecasts as key inputs. The allowance for credit losses for commercial equipment finance loans is calculated at the portfolio-level using a weighted-average remaining maturity method through an internally developed model. This model uses loan characteristics including, delinquency status and years to maturity. This model is not natively sensitive to macroeconomic conditions. The necessary adjustments to account for current and expected macroeconomic conditions is captured via our qualitative adjustment framework. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not also included in the collective evaluation. When we determine that foreclosure is probable or when the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs. If this criteria is not met, a discounted cash flow method is used to determine the allowance for credit losses. All changes in the discounted cash flow method over time are reported in the allowance for credit losses. The allowance calculation is also supplemented with qualitative reserves that takes into consideration the current portfolio and specific risk characteristics, such as changes in underwriting standards, portfolio mix, delinquency level, or term, as well as changes in environmental conditions, among other factors, that have occurred but are not yet reflected in the quantitative model component. The allowance for credit losses on a TDR is measured using the same method as all other loans held for investment, except when the value of the concession cannot be measured using a method other than the discounted cash flow method. When the value of a concession is measured using the discounted cash flow method, the allowance for credit losses is determined by discounting the expected future cash flows at the original interest rate of the loan.
Real Estate Owned	Real Estate Owned Real estate owned is comprised of property either acquired through foreclosure or voluntarily conveyed by borrowers. These assets are recorded on the date acquired at the lower of the loan balance or fair value of the collateral, less estimated disposition costs, with the fair value being determined by an appraisal. Any initial write-down is charged to the allowance for credit losses.
Restricted Investment in FHLB Stock	Restricted Investment in FHLB StockFederal law requires a member institution of the FHLB system to hold stock of its district FHLB according to a predetermined formula. FHLB stock is carried at cost and evaluated for impairment based on the ultimate recoverability of the par value. FHLB stock can only be purchased, redeemed and transferred at par value. Dividends are reported in interest income in the Consolidated Statements of Income.
Premises and Equipment	Premises and Equipment Premises and equipment are carried at cost, less accumulated depreciation and amortization. Depreciation is accumulated on a straight-line basis over the estimated useful lives of the related assets. Estimated lives range from three . Amortization of leasehold improvements is accumulated on a straight-line basis over the terms of the related leases or the useful lives of the related assets, whichever is shorter.
Goodwill	Goodwill Goodwill is generated from the premium paid for an acquisition and is allocated to reporting units, which are either our reportable segments or one level below. Reporting units are identified based upon analyzing each individual operating segment. A reporting unit is defined as a distinct, separately identifiable component of an operating segment for which complete, discrete financial information is available that management regularly reviews. Goodwill is not subject to amortization but is tested for impairment at least annually and possibly more frequently if certain events occur or changes in circumstances arise. In testing goodwill for impairment, we have the option to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying value. If, after assessing all events and circumstances, we determine it is not more likely than not that the fair value of a reporting unit is less than its carrying value, then performing the two-step impairment test would be unnecessary. However, if we conclude otherwise, it would then be required to perform the first step of the goodwill impairment test and continue to the second step, if necessary. Step 1 requires the fair value of each reporting unit be compared to its carrying amount, including goodwill. Determining the fair value of a reporting unit requires a high degree of subjective judgment, including developing cash flow projections, selecting appropriate discount rates, identifying relevant market comparables, incorporating general economic and market conditions and selecting an appropriate control premium. We have established June 30 of each year as the date for conducting our annual goodwill impairment assessment. Quarterly, we evaluate if there are any triggering events that would require an update to our previous assessment. We conducted our annual impairment assessment as o f June 30, 2022 b y first performing a qualitative assessment of goodwill to determine if it was more likely than not that the fair value was less than the carrying value. In performing a qualitative analysis, factors considered include, but are not limited to, macroeconomic conditions, industry and market conditions and overall financial performance. The results of the qualitative assessme nt for 2022 i ndicated that it was not more likely than not that the fair value of the reporting unit was less than the carrying value. Consequently, no additional quantitative impairment test was required and no impairment was recorded in 2022. Future events could cause us to conclude that goodwill has become impaired, which would result in recording an impairment loss. There were no changes in our operations that would cause us to update the assessment performed as of June 30, 2022 and 2021. Accordingly, we have determined that goodwill is not impaired as of December 31, 2022 and 2021.
Core Deposit and Other Identifiable Intangibles	Core Deposit and Other Identifiable Intangibles Through the assistance of an independent third party, we analyze and prepare a core deposit study for all bank acquisitions or other identifiable intangible asset study, such as customer lists, for all non-bank acquisitions. The core deposit study reflects the cumulative present value benefit of acquiring deposits versus an alternative source of funding. The other identifiable intangible asset study reflects the cumulative present value benefit of acquiring the income stream from an existing customer base versus developing new business relationships. Based upon analysis, the amount of the premium related to the core deposits or other identifiable intangibles of the business purchased is calculated along with the estimated life of the intangible. The intangible, which is recorded in other intangible assets, is then amortized to expense on an accelerated basis over an approximate life of typically betwe en seven
Bank-Owned Life Insurance	Bank-Owned Life Insurance We own insurance on the lives of a certain group of current and former employees and directors. The policies were purchased to help offset the increase in the costs of various benefit plans, including healthcare, as well as the directors deferred compensation plan. The cash surrender value of these policies is included as an asset on the Consolidated Statements of Financial Condition and any increases in the cash surrender value are recorded as tax-free noninterest income on the Consolidated Statements of Income. In the event of the death of an insured individual covered by these policies, after distribution to the insured’s beneficiaries, if any, we receive a tax-free death benefit, which is recorded as noninterest income.
Deposits	Deposits Interest on deposits is accrued and charged to expense monthly and is paid or credited in accordance with the terms of the accounts.
Revenue Recognition	Revenue Recognition Revenue that is not associated with our financial assets and financial liabilities is recognized when performance obligations under the terms of a contract with our customers are satisfied. Revenue is measured as the amount of consideration we expect to receive in exchange for transferring goods or providing services. The majority of our revenue continues to be recognized at the point in time when the services are provided to our customers.
Pension Plans	Pension Plans We maintain multiple noncontributory defined benefit pension plans (“Pension Plan”) for substantially all of our employees. The net periodic pension cost has been calculated using service cost, interest cost, expected returns on plan assets and net amortization. The other components of the net periodic benefit cost are included in other expense on the Consolidated Statement of Income and are reported separately from the service costs. Pension expense and obligations depend on assumptions used in calculating such amounts. These assumptions include discount rates, anticipated salary increases, interest costs, expected return on plan assets, mortality rates, and other factors. In determining the projected benefit obligations for pension benefits at December 31, 2022 and 2021, we u sed a discount rate of 4.99% and 2.75%, respectively. We use the FTSE (previously Citigroup) Pension Liability Index rates matching the duration of our benefit payments as of the measurement date, December 31, to determine the discount rate.
Income Taxes	Income Taxes We join with our wholly owned subsidiaries in filing a consolidated federal income tax return. In accordance with an intercompany tax allocation agreement, the applicable federal income tax expense or benefit is allocated to each subsidiary based upon taxable income or loss calculated on a separate company basis. Each subsidiary is responsible for payment of its own federal income tax liability or receives reimbursement of federal income tax benefit. In addition, deferred taxes are calculated and maintained on a separate company basis.
Stock-Related Compensation	Stock-Related Compensation Stock-based compensation awards granted, comprised of performance and time-based restricted stock units, stock options, and restricted stock awards, are valued at fair value and compensation cost is recognized on a straight-line basis over the requisite service or performance period of each award. For service-based awards compensation will be recognized pro rata over the periods in which the shares vest. F or performance-based awards, compensation expense is recognized evenly over the performance period, based on the probability of the achievements of the performance conditions set forth in the plans. Forfeitures are recognized as they occur. For restricted stock awards, the recipients are entitled to all shareholder rights, except that the shares may not be sold, pledged, or
Derivative Financial Instruments	Derivative Financial Instruments We recognize all derivative financial instruments as either assets or liabilities in the balance sheet and measure those instruments at fair value. The accounting for changes in the fair value of a derivative depends on the intended use of the derivative and the resulting designation. To qualify for hedge accounting rules, a hedging relationship must be highly effective in offsetting the risk designation as being hedge. The hedging relationship must be formally documented at inception and assess the hedging relationship at least on a quarterly basis to ensure the hedging instrument continues to be highly effective over the life of the hedging relationship. Those methods must be consistent with our approach to managing risk.
Off-Balance-Sheet Instruments	Off-Balance-Sheet Instruments In the normal course of business, we extend credit in the form of loan commitments, undisbursed lines of credit, and standby letters of credit. These off-balance-sheet instruments involve, to various degrees, elements of credit and interest rate risk not reported in the Consolidated Statements of Financial Condition. We utilize the same underwriting standards for these instruments as other extensions of credit.
Leases	Leases At inception, the Company determines if an arrangement contains a lease and whether that lease meets the classification of a finance or operating lease. Operating lease right of use (“ROU ” ) assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments. ROU assets are further adjusted for lease incentives and initial direct costs. The Company has operating leases for certain branch and office facilities or land with lease terms up to 35 years. These leases generally contain renewal options for periods ranging from one . These options are included in the lease term when it is reasonably certain that the options will be exercised. Some of the Company’s lease arrangements contain lease components (e.g., minimum rent payments) and non-lease components (e.g., common area maintenance, taxes, etc.). For all leases, the Company elected the option of not separating lease and non-lease components and instead we account for them as a single lease component. Certain lease agreements include rental payments that are adjusted periodically for an index or rate. The leases are initially measured using the projected adjustment for the index or rate in effect at the commencement date. The Company’s lease agreements do not contain any material residual value guarantees or material restrictive covenants.
Use of Estimates	Use of Estimates The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America, requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amount of revenues and expenses during the reporting period. The estimate and assumptions that we deem important to our financial statements relate to the allowance for credit losses. This estim ate and assumptions are based on management’s best estimates and judgment and we evaluate them using historical experience and other factors, including the current economic environment. We adjust our estimates and assumptions when facts and circumstances dictate. As future events cannot be determined, actual results could differ significantly from our estimates.
Reclassification of Prior Years' Statements	Reclassification of Prior Years’ Statements Certain items previously reported have been reclassified to conform with the current year’s reporting format.

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Lease, cost	The components of lease cost recognized within our Consolidated Statements of Income were as follows: For the years ended December 31, 2022 2021 2020 Operating lease costs (office operations) $ 6,201 5,802 6,139 Variable lease costs (office operations) 677 662 680 Total operating lease costs $ 6,878 6,464 6,819 Other information related to leases were as follows: For the years ended December 31, 2022 2021 Supplemental cash flow information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flow from operating leases $ 6,207 6,143 ROU assets obtained in exchange for lease obligations 5,588 12,866 Weighted average remaining lease term 15.6 years 15.9 years Weighted average discount rate 3.2 % 3.1 %
Assets and liabilities, lessee	Amounts reported in the Consolidated Statements of Financial Condition were as follows: For the years ended December 31, 2022 2021 Operating leases: Operating lease ROU assets (other assets) $ 54,925 54,887 Operating lease liabilities (other liabilities) 57,737 57,726
Lessee, operating lease, liability, maturity	Maturities of lease liabilities by fiscal year for our operating leases are as follows: As of December 31, 2022 2023 $ 6,007 2024 5,300 2025 4,975 2026 4,878 2027 4,692 Thereafter 49,294 Total lease payments 75,146 Less amount of lease payments representing interest 17,409 Total present value of lease payments $ 57,737

Marketable Securities (Tables)

Marketable Securities (Tables)	12 Months Ended
	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Schedule of the portfolio of investment securities available-for-sale	Marketable securities available-for-sale at December 31, 2022 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 20,000 — (1,799) 18,201 Due after ten years 53,152 — (10,761) 42,391 Debt issued by government sponsored enterprises: Due after one year through five years 993 — (49) 944 Due after five years through ten years 45,814 — (7,557) 38,257 Municipal securities: Due within one year 506 — (1) 505 Due after one year through five years 986 21 (13) 994 Due after five years through ten years 36,332 — (2,290) 34,042 Due after ten years 89,631 8 (13,414) 76,225 Corporate debt issues: Due after five years through ten years 13,540 — (562) 12,978 Residential mortgage-backed securities: Fixed rate pass-through 227,122 35 (31,171) 195,986 Variable rate pass-through 8,837 10 (184) 8,663 Fixed rate agency CMOs 906,962 — (145,284) 761,678 Variable rate agency CMOs 27,853 31 (640) 27,244 Total residential mortgage-backed securities 1,170,774 76 (177,279) 993,571 Total marketable securities available-for-sale $ 1,431,728 105 (213,725) 1,218,108 Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 20,000 — (68) 19,932 Due after ten years 57,681 — (1,722) 55,959 Debt issued by government-sponsored enterprises: Due within one year 177 — — 177 Due after one year through five years 991 73 — 1,064 Due after five years through ten years 46,411 1 (1,568) 44,844 Municipal securities: Due within one year 946 13 — 959 Due after one year through five years 1,261 22 (3) 1,280 Due after five years through ten years 23,692 661 (146) 24,207 Due after ten years 99,558 2,884 (187) 102,255 Residential mortgage-backed securities: Fixed rate pass-through 265,604 2,389 (2,525) 265,468 Variable rate pass-through 11,306 294 (9) 11,591 Fixed rate agency CMOs 997,680 2,284 (18,965) 980,999 Variable rate agency CMOs 39,695 224 (62) 39,857 Total residential mortgage-backed securities 1,314,285 5,191 (21,561) 1,297,915 Total marketable securities available-for-sale $ 1,565,002 8,845 (25,255) 1,548,592 The following table shows the contractual maturity of our residential mortgage-backed securities available-for-sale at December 31, 2022: Amortized cost Fair value Residential mortgage-backed securities: Due within one year $ 132 130 Due after one year through five years 32,192 29,538 Due after five years through ten years 46,188 43,438 Due after ten years 1,092,262 920,465 Total residential mortgage-backed securities $ 1,170,774 993,571
Schedule of the portfolio of investment securities held-to-maturity	Marketable securities held-to-maturity at December 31, 2022 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 29,478 — (3,676) 25,802 Due after five years through ten years 94,977 — (18,157) 76,820 Residential mortgage-backed securities: Fixed rate pass-through 163,196 — (24,684) 138,512 Variable rate pass-through 542 — (12) 530 Fixed rate agency CMOs 592,527 — (83,325) 509,202 Variable rate agency CMOs 529 — (11) 518 Total residential mortgage-backed securities 756,794 — (108,032) 648,762 Total marketable securities held-to-maturity $ 881,249 — (129,865) 751,384 Marketable securities held-to-maturity at December 31, 2021 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 16,478 — (206) 16,272 Due after five years through ten years 107,973 — (4,613) 103,360 Residential mortgage-backed securities: Fixed rate pass-through 183,092 58 (2,161) 180,989 Variable rate pass-through 667 24 — 691 Fixed rate agency CMOs 459,345 251 (10,011) 449,585 Variable rate agency CMOs 599 17 — 616 Total residential mortgage-backed securities 643,703 350 (12,172) 631,881 Total marketable securities held-to-maturity $ 768,154 350 (16,991) 751,513 The following table shows the contractual maturity of our residential mortgage-backed securities held-to-maturity at December 31, 2022: Amortized cost Fair value Residential mortgage-backed securities: Due after one year through five years $ 20,612 17,568 Due after five years through ten years 20,250 15,879 Due after ten years 715,932 615,315 Total residential mortgage-backed securities $ 756,794 648,762
Information regarding the issuers and the carrying values of the entity's mortgage-backed securities	The following table presents information regarding the issuers and the carrying values of our residential mortgage-backed securities at December 31, 2022 and 2021: December 31, 2022 2021 Residential mortgage-backed securities: FNMA $ 651,404 704,070 GNMA 438,193 577,684 FHLMC 660,762 659,433 Other (including non-agency) 6 431 Total residential mortgage-backed securities $ 1,750,365 1,941,618
Schedule of the fair value and gross unrealized losses on investment securities, aggregated by investment category and length of time individual securities have been in a continuous unrealized loss position	The following table shows the fair value and gross unrealized losses on available for sale investment securities and held to maturity investment securities, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2022: Less than 12 months 12 months or more Total Fair value Unrealized Fair value Unrealized Fair value Unrealized U.S. government sponsored enterprises $ 1,735 (82) 200,679 (41,917) 202,414 (41,999) Corporate debt issues 12,979 (562) — — 12,979 (562) Municipal securities 60,676 (4,047) 44,493 (11,671) 105,169 (15,718) Residential mortgage-backed securities 373,186 (22,796) 1,264,042 (262,515) 1,637,228 (285,311) Total temporarily impaired securities $ 448,576 (27,487) 1,509,214 (316,103) 1,957,790 (343,590) The following table shows the fair value and gross unrealized losses on investment securities, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2021: Less than 12 months 12 months or more Total Fair value Unrealized Fair value Unrealized Fair value Unrealized U.S. government sponsored enterprises $ 132,782 (3,504) 106,160 (4,673) 238,942 (8,177) Municipal securities 25,118 (336) — — 25,118 (336) Residential mortgage-backed securities 1,428,582 (26,516) 184,389 (7,217) 1,612,971 (33,733) Total temporarily impaired securities $ 1,586,482 (30,356) 290,549 (11,890) 1,877,031 (42,246)
Debt Securities, Held-to-maturity, Credit Quality Indicator	The following table presents the credit quality for our held-to-maturity securities, based on the latest information available as of December 31, 2022 (in thousands). The credit ratings are sourced from nationally recognized rating agencies, which include Moody ’ s and S&P, they are presented based on asset type. All of our held-to-maturity securities were current in their payment of principal and interest as of December 31, 2022. AA+ Total Held-to-maturity securities: Debt issued by the U.S. government-sponsored agencies $ 124,455 124,455 Residential mortgage-backed securities 756,794 756,794 Total marketable securities held-to-maturity $ 881,249 881,249

Loans Receivable (Tables)

Loans Receivable (Tables)	12 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Summary of loans receivable	The following table shows a summary of our loans receivable at amortized cost basis at December 31, 2022 and December 31, 2021 (in thousands): December 31, 2022 December 31, 2021 Originated (1) Acquired (2) Total Originated (1) Acquired (2) Total Personal Banking: Residential mortgage loans (3) $ 3,327,879 170,720 3,498,599 2,783,459 211,161 2,994,620 Home equity loans 1,131,641 166,033 1,297,674 1,107,202 212,729 1,319,931 Vehicle loans 1,965,385 91,398 2,056,783 1,384,246 99,985 1,484,231 Consumer loans 104,284 7,588 111,872 307,961 46,556 354,517 Total Personal Banking 6,529,189 435,739 6,964,928 5,582,868 570,431 6,153,299 Commercial Banking: Commercial real estate loans 2,135,607 312,421 2,448,028 2,202,027 423,454 2,625,481 Commercial real estate loans - owner occupied 341,704 33,823 375,527 321,253 68,750 390,003 Commercial loans 1,082,914 49,055 1,131,969 765,877 81,732 847,609 Total Commercial Banking 3,560,225 395,299 3,955,524 3,289,157 573,936 3,863,093 Total loans receivable, gross 10,089,414 831,038 10,920,452 8,872,025 1,144,367 10,016,392 Allowance for credit losses (107,379) (10,657) (118,036) (86,750) (15,491) (102,241) Total loans receivable, net (4) $ 9,982,035 820,381 10,802,416 8,785,275 1,128,876 9,914,151 (1) Includes originated and purchased loan pools purchased in an asset acquisition. (2) Includes loans subject to purchase accounting in a business combination. (3) Includes $9.9 million and $25.1 million of loans held-for-sale at December 31, 2022 and December 31, 2021, respectively. (4) Includes $76.1 million and $62.8 million of net unearned income, unamortized premiums and discounts and deferred fees and costs at December 31, 2022 and December 31, 2021, respectively.
Schedule of the changes in the allowance for losses on loans receivable	The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2022 (in thousands): Balance as of December 31, 2022 Current Charge-offs Recoveries Balance as of December 31, 2021 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 19,261 13,129 (2,033) 792 7,373 Home equity loans 5,902 540 (1,469) 1,531 5,300 Vehicle loans 23,059 8,863 (3,621) 2,334 15,483 Consumer loans 665 1,013 (4,785) 1,553 2,884 Total Personal Banking 48,887 23,545 (11,908) 6,210 31,040 Commercial Banking: Commercial real estate loans 44,506 (12,633) (7,366) 10,364 54,141 Commercial real estate loans - owner occupied 4,004 36 — 85 3,883 Commercial loans 20,639 6,912 (1,657) 2,207 13,177 Total Commercial Banking 69,149 (5,685) (9,023) 12,656 71,201 Total $ 118,036 17,860 (20,931) 18,866 102,241 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ 4 2 — — 2 Home equity loans 74 35 — — 39 Total Personal Banking 78 37 — — 41 Commercial Banking: Commercial real estate loans 5,382 4,501 — — 881 Commercial real estate loans - owner occupied 287 145 — — 142 Commercial loans 5,288 3,894 — — 1,394 Total Commercial Banking 10,957 8,540 — — 2,417 Total off-balance-sheet exposure $ 11,035 8,577 — — 2,458 The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2021 (in thousands): Balance as of December 31, 2021 Current Charge-offs Recoveries Balance as of December 31, 2020 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 7,373 2,844 (3,672) 935 7,266 Home equity loans 5,300 1,788 (3,380) 900 5,992 Vehicle loans 15,483 2,754 (4,632) 2,536 14,825 Consumer loans 2,884 3,070 (5,417) 2,360 2,871 Total Personal Banking 31,040 10,456 (17,101) 6,731 30,954 Commercial Banking: Commercial real estate loans 54,141 (15,496) (11,933) 2,189 79,381 Commercial real estate loans - owner occupied 3,883 (5,852) (890) 107 10,518 Commercial loans 13,177 (991) (4,213) 4,807 13,574 Total Commercial Banking 71,201 (22,339) (17,036) 7,103 103,473 Total $ 102,241 (11,883) (34,137) 13,834 134,427 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ 2 — — — 2 Home equity loans 39 4 — — 35 Total Personal Banking 41 4 — — 37 Commercial Banking: Commercial real estate loans 881 (2,568) — — 3,449 Commercial real estate loans - owner occupied 142 (184) — — 326 Commercial loans 1,394 (1,157) — — 2,551 Total Commercial Banking 2,417 (3,909) — — 6,326 Total off-balance-sheet exposure $ 2,458 (3,905) — — 6,363 The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2020, and includes the cumulative effect of adopting ASU 2016-13 (in thousands): Balance as of December 31, 2020 Current Charge-offs Recoveries Initial ACL Cumulative effect of ASU 2016-13* Balance as of December 31, 2019 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 7,266 (3,289) (917) 362 1,095 7,441 2,574 Home equity loans 5,992 (3,357) (608) 766 216 5,786 3,189 Vehicle loans 14,825 11,416 (6,827) 1,867 235 842 7,292 Consumer loans 2,871 4,126 (5,831) 1,542 157 (2,424) 5,301 Total Personal Banking 30,954 8,896 (14,183) 4,537 1,703 11,645 18,356 Commercial Banking: Commercial real estate loans 79,381 58,483 (4,240) 1,287 5,720 2,288 15,843 Commercial real estate loans - owner occupied 10,518 2,588 (83) 27 963 1,278 5,745 Commercial loans 13,574 14,008 (16,212) 1,741 459 (4,419) 17,997 Total Commercial Banking 103,473 75,079 (20,535) 3,055 7,142 (853) 39,585 Total 134,427 83,975 (34,718) 7,592 8,845 10,792 57,941 Allowance for Credit Losses - Personal Banking: Residential mortgage loans 2 2 — — — — — Home equity loans 35 5 — — — (293) 323 Consumer loans — — — — — (402) 402 Total Personal Banking 37 7 — — — (695) 725 Commercial Banking: Commercial real estate loans 3,449 1,438 — — — 1,934 77 Commercial real estate loans - owner occupied 326 235 — — — 88 3 Commercial loans 2,551 1,459 — — — 923 169 Total Commercial Banking 6,326 3,132 — — — 2,945 249 Total off-balance sheet exposure $ 6,363 3,139 — — — 2,250 974 * Includes the impact of the initial allowance on PCD loans of $517,000
Schedule of loan portfolio by portfolio segment and by class of financing receivable	The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2022 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing TDRs Allowance Additional Personal Banking: Residential mortgage loans $ 3,498,599 19,261 7,574 — 6,279 1,069 — Home equity loans 1,297,674 5,902 4,145 — 1,470 546 — Vehicle loans 2,056,783 23,059 3,771 2 — — — Consumer loans 111,872 665 256 405 — — — Total Personal Banking 6,964,928 48,887 15,746 407 7,749 1,615 — Commercial Banking: Commercial real estate loans 2,448,028 44,506 62,239 — 31,980 638 400 Commercial real estate loans - owner occupied 375,527 4,004 624 — 94 31 — Commercial loans 1,131,969 20,639 2,627 337 858 116 4 Total Commercial Banking 3,955,524 69,149 65,490 337 32,932 785 404 Total $ 10,920,452 118,036 81,236 744 40,681 2,400 404 (1) Includes $29.2 million of nonaccrual TDRs. The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2021 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing TDRs Allowance Additional Personal Banking: Residential mortgage loans $ 2,994,620 7,373 10,402 — 6,749 1,442 — Home equity loans 1,319,931 5,300 5,758 — 1,781 718 — Vehicle loans 1,484,231 15,483 3,263 — — — — Consumer loans 354,517 2,884 675 331 — — — Total Personal Banking 6,153,299 31,040 20,098 331 8,530 2,160 — Commercial Banking: Commercial real estate loans 2,625,481 54,141 129,666 — 17,025 2,024 400 Commercial real estate loans - owner occupied 390,003 3,883 1,233 — 159 24 — Commercial loans 847,609 13,177 7,474 — 4,574 609 60 Total Commercial Banking 3,863,093 71,201 138,373 — 21,758 2,657 460 Total $ 10,016,392 102,241 158,471 331 30,288 4,817 460 (1) Includes $17.2 million of nonaccrual TDRs.
Schedule of the composition of nonaccrual loans by portfolio segment and by class of financing receivable	The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2022 (in thousands): Nonaccrual December 31, 2022 Nonaccrual loans with an allowance Nonaccrual Total Nonaccrual Loans 90 days Personal Banking: Residential mortgage loans $ 10,402 7,574 — 7,574 — Home equity loans 5,758 3,887 258 4,145 — Vehicle loans 3,263 2,175 1,596 3,771 2 Consumer loans 675 256 — 256 405 Total Personal Banking 20,098 13,892 1,854 15,746 407 Commercial Banking: Commercial real estate loans 129,666 22,182 40,057 62,239 — Commercial real estate loans - owner occupied 1,233 624 — 624 — Commercial loans 7,474 2,024 603 2,627 337 Total Commercial Banking 138,373 24,830 40,660 65,490 337 Total $ 158,471 38,722 42,514 81,236 744 The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2021, (in thousands): Nonaccrual loans at January 1, 2021 December 31, 2021 Nonaccrual loans with an allowance Nonaccrual loans with no allowance Total Nonaccrual Loans 90 days past and accruing Personal Banking: Residential mortgage loans $ 15,924 10,402 — 10,402 — Home equity loans 9,123 5,551 207 5,758 — Vehicle loans 5,533 3,251 12 3,263 — Consumer loans 1,031 674 1 675 331 Total Personal Banking 31,611 19,878 220 20,098 331 Commercial Banking: Commercial real estate loans 44,092 65,529 64,137 129,666 — Commercial real estate loans - owner occupied 3,642 1,233 — 1,233 — Commercial loans 23,487 3,941 3,533 7,474 — Total Commercial Banking 71,221 70,703 67,670 138,373 — Total $ 102,832 90,581 67,890 158,471 331 The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2022 (in thousands): Real estate Equipment Total Personal Banking: Residential mortgage loans $ 569 — 569 Home equity loans 100 — 100 Total Personal Banking 669 — 669 Commercial Banking: Commercial real estate loans 57,056 — 57,056 Commercial loans 175 210 385 Total Commercial Banking 57,231 210 57,441 Total $ 57,900 210 58,110 The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2021 (in thousands): Real estate Equipment Total Personal Banking: Residential mortgage loans $ 580 — 580 Home equity loans 99 — 99 Total Personal Banking 679 — 679 Commercial Banking: Commercial real estate loans 119,825 1,705 121,530 Commercial loans 3,973 1,926 5,899 Total Commercial Banking 123,798 3,631 127,429 Total $ 124,477 3,631 128,108
Schedule of troubled debt restructurings (including re-modified TDRs) by portfolio segment and by class of financing receivable	The following table provides a roll forward of troubled debt restructurings for the periods indicated (dollars in thousands): For the years ended December 31, 2022 2021 Number of Amount Number of Amount Beginning TDR balance: 134 $ 30,288 170 $ 32,135 New TDRs 14 30,894 9 7,253 Re-modified TDRs 11 8,391 9 7,370 Net paydowns — (11,870) — (3,420) Charge-offs: Residential mortgage loans 2 (63) — — Home equity loans — — 1 (29) Commercial real estate loans 1 (150) 2 (53) Commercial real estate loans - owner occupied — — 1 (105) Commercial loans 1 (130) 6 (170) Paid-off loans: Residential mortgage loans 4 (361) 10 (1,216) Home equity loans 3 (89) 6 (147) Commercial real estate loans 6 (4,324) 11 (3,064) Commercial real estate loans - owner occupied 1 (44) 3 (198) Commercial loans 7 (3,470) 5 (698) Ending TDR balance: 123 $ 40,681 134 $ 30,288 Accruing TDRs $ 11,442 $ 13,072 Nonaccrual TDRs 29,239 17,216 The following tables provide information related to TDRs (including re-modified TDRs) by portfolio segment and by class of financing receivable during the periods indicated (in thousands): For the year ended December 31, 2022 Number of Recorded Current Current Personal Banking: Residential mortgage loans 4 $ 530 522 37 Home equity loans 6 183 171 42 Total Personal Banking 10 713 693 79 Commercial Banking: Commercial real estate loans 9 34,716 20,954 66 Commercial loans 6 3,856 263 20 Total Commercial Banking 15 38,572 21,217 86 Total 25 $ 39,285 21,910 165 For the year ended December 31, 2021 Number of Recorded Current Current Personal Banking: Residential mortgage loans 1 $ 125 114 15 Home equity loans 3 155 34 34 Total Personal Banking 4 280 148 49 Commercial Banking: Commercial real estate loans 8 12,006 10,572 1,453 Commercial loans 6 4,147 3,903 451 Total Commercial Banking 14 16,153 14,475 1,904 Total 18 $ 16,433 14,623 1,953 For the year ended December 31, 2020 Number of Recorded Current Current Personal Banking: Residential mortgage loans 1 $ 90 88 5 Home equity loans 2 86 79 9 Total Personal Banking 3 176 167 14 Commercial Banking: Commercial real estate loans 9 7,365 7,615 311 Commercial real estate loans - owner occupied 1 58 48 8 Commercial loans 5 2,944 408 40 Total Commercial Banking 15 10,367 8,071 359 Total 18 $ 10,543 8,238 373 The following table provides information as of December 31, 2022 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2022 (in thousands): Type of modification Number of contracts Rate Payment Maturity date Total Personal Banking: Residential mortgage loans 4 $ — 379 143 522 Home equity loans 6 — 23 148 171 Total Personal Banking 10 — 402 291 693 Commercial Banking: Commercial real estate loans 9 129 98 20,727 20,954 Commercial loans 6 — — 263 263 Total Commercial Banking 15 129 98 20,990 21,217 Total 25 $ 129 500 21,281 21,910 The following table provides information as of December 31, 2021 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2021 (in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ 114 — — — 114 Home equity loans 3 — 30 4 — 34 Total Personal Banking 4 114 30 4 — 148 Commercial Banking: Commercial real estate loans 8 2,077 — 8,424 71 10,572 Commercial loans 6 171 — 3,732 — 3,903 Total Commercial Banking 14 2,248 — 12,156 71 14,475 Total 18 $ 2,362 30 12,160 71 14,623 The following table provides information as of December 31, 2020 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2020 (in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — 88 — 88 Home equity loans 2 65 — 14 — 79 Total Personal Banking 3 65 — 102 — 167 Commercial Banking: Commercial real estate loans 9 — — 7,335 280 7,615 Commercial real estate - owner occupied 1 — — 48 — 48 Commercial loans 5 — 111 217 80 408 Total Commercial Banking 15 — 111 7,600 360 8,071 Total 18 $ 65 111 7,702 360 8,238 The following table provides information related to re-modified trouble debt restructurings by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2022 (in thousands): Type of re-modification Number of Payment Maturity date Total Personal Banking: Residential mortgage loans 1 — 129 129 Home equity loans 1 — — — Total Personal Banking 2 — 129 129 Commercial Banking: Commercial real estate loans 4 53 196 249 Commercial loans 5 — 210 210 Total Commercial Banking 9 53 406 459 Total 11 53 535 588 The following table provides information related to re-modified trouble debt restructurings by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2021 (in thousands): Type of re-modification Number of Rate Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ 114 — — 114 Home equity loans 1 — — — — Total Personal Banking 2 114 — — 114 Commercial Banking: Commercial real estate loans 7 2,077 5,108 71 7,256 Total Commercial Banking 7 2,077 5,108 71 7,256 Total 9 $ 2,191 5,108 71 7,370 The following table provides information related to re-modified trouble debt restructurings by portfolio segment and class of financing receivable for modifications during the year ended December 31, 2020 (in thousands): Type of re-modification Number of Maturity date Other Total Commercial Banking: Commercial real estate loans 3 6,652 — 6,652 Commercial real estate loans - owner occupied 1 48 — 48 Commercial loans 1 — 80 80 Total Commercial Banking 5 6,700 80 6,780 Total 5 6,700 80 6,780 The following table provides information related to troubled debt restructurings modified within the previous twelve months of December 31, 2021 that subsequently defaulted: Number of Recorded Current Current Commercial Banking: Commercial real estate loans 1 $ 4,167 3,823 — Total Commercial Banking 1 4,167 3,823 — Total 1 $ 4,167 3,823 —
Schedule of loan delinquencies	The following table provides information related to the amortized cost basis of loan payment delinquencies at December 31, 2022 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 29,487 5,563 5,574 40,624 3,457,975 3,498,599 — Home equity loans 6,657 975 2,257 9,889 1,287,785 1,297,674 — Vehicle loans 8,677 2,770 2,471 13,918 2,042,865 2,056,783 2 Consumer loans 758 300 608 1,666 110,206 111,872 405 Total Personal Banking 45,579 9,608 10,910 66,097 6,898,831 6,964,928 407 Commercial Banking: Commercial real estate loans 3,947 2,377 7,589 13,913 2,434,115 2,448,028 — Commercial real estate loans - owner occupied 61 — 278 339 375,188 375,527 — Commercial loans 2,648 1,115 1,829 5,592 1,126,377 1,131,969 337 Total Commercial Banking 6,656 3,492 9,696 19,844 3,935,680 3,955,524 337 Total loans $ 52,235 13,100 20,606 85,941 10,834,511 10,920,452 744 The following table provides information related to the amortized cost basis loan payment delinquencies at December 31, 2021 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 20,567 5,433 7,641 33,641 2,960,979 2,994,620 — Home equity loans 3,153 949 4,262 8,364 1,311,567 1,319,931 — Vehicle loans 5,331 1,487 1,635 8,453 1,475,778 1,484,231 — Consumer loans 1,205 519 765 2,489 352,028 354,517 331 Total Personal Banking 30,256 8,388 14,303 52,947 6,100,352 6,153,299 331 Commercial Banking: Commercial real estate loans 16,938 699 23,489 41,126 2,584,355 2,625,481 — Commercial real estate loans - owner occupied 127 70 574 771 389,232 390,003 — Commercial loans 193 727 1,105 2,025 845,584 847,609 — Total Commercial Banking 17,258 1,496 25,168 43,922 3,819,171 3,863,093 — Total loans $ 47,514 9,884 39,471 96,869 9,919,523 10,016,392 331
Schedule of credit quality indicators	Based on the most recent analysis performed, the amortized cost basis by risk category of loans by class of loans by origination year is as follows as of December 31, 2022 (in thousands): 2022 2021 2020 2019 2018 Prior Revolving loans Revolving loans converted to term loans Total loans Personal Banking: Residential mortgage loans Pass $ 659,930 837,823 546,604 265,520 131,599 1,043,394 — — 3,484,870 Substandard 422 187 474 796 531 11,319 — — 13,729 Total residential mortgage loans 660,352 838,010 547,078 266,316 132,130 1,054,713 — — 3,498,599 Home equity loans Pass 114,598 126,608 173,044 110,495 50,314 198,971 475,229 42,887 1,292,146 Substandard — 46 — 127 324 3,066 683 1,282 5,528 Total home equity loans 114,598 126,654 173,044 110,622 50,638 202,037 475,912 44,169 1,297,674 Vehicle loans Pass 966,432 611,310 227,897 135,134 70,071 42,166 — — 2,053,010 Substandard 292 1,096 667 689 657 372 — — 3,773 Total vehicle loans 966,724 612,406 228,564 135,823 70,728 42,538 — — 2,056,783 Consumer loans Pass 19,302 9,874 4,327 3,557 2,409 5,094 65,610 1,037 111,210 Substandard 24 9 37 9 3 48 432 100 662 Total consumer loans 19,326 9,883 4,364 3,566 2,412 5,142 66,042 1,137 111,872 Total Personal Banking 1,761,000 1,586,953 953,050 516,327 255,908 1,304,430 541,954 45,306 6,964,928 Business Banking: Commercial real estate loans Pass 322,050 346,355 369,868 244,188 209,500 696,628 24,954 13,314 2,226,857 Special Mention — 17,216 16,782 87 1,000 15,887 157 15 51,144 Substandard — 4,561 3,617 48,879 41,521 70,384 459 606 170,027 Total commercial real estate loans 322,050 368,132 390,267 293,154 252,021 782,899 25,570 13,935 2,448,028 Commercial real estate loans - owner occupied Pass 62,905 51,673 17,989 49,600 43,570 123,278 2,477 1,460 352,952 Special Mention 126 — 18 — 2,297 1,106 385 — 3,932 Substandard — — — 5,085 2,440 9,250 — 1,868 18,643 Total commercial real estate loans - owner occupied 63,031 51,673 18,007 54,685 48,307 133,634 2,862 3,328 375,527 Commercial loans Pass 481,797 90,320 52,833 46,966 17,250 53,107 354,402 4,032 1,100,707 Special Mention 628 2,190 506 1,704 227 — 2,129 — 7,384 Substandard 1,833 603 908 2,097 1,605 735 12,941 3,156 23,878 Total commercial loans 484,258 93,113 54,247 50,767 19,082 53,842 369,472 7,188 1,131,969 Total Business Banking 869,339 512,918 462,521 398,606 319,410 970,375 397,904 24,451 3,955,524 Total loans $ 2,630,339 2,099,871 1,415,571 914,933 575,318 2,274,805 939,858 69,757 10,920,452 2021 2020 2019 2018 2017 Prior Revolving loans Revolving loans converted to term loans Total loans receivable Personal Banking: Residential mortgage loans Pass $ 644,862 602,429 304,275 156,639 171,240 1,098,635 — — 2,978,080 Substandard 138 489 377 538 882 14,116 — — 16,540 Total residential mortgage loans 645,000 602,918 304,652 157,177 172,122 1,112,751 — — 2,994,620 Home equity loans Pass 150,847 210,224 138,661 65,011 61,692 209,959 435,660 40,766 1,312,820 Substandard — — 441 60 455 3,820 1,275 1,060 7,111 Total home equity loans 150,847 210,224 139,102 65,071 62,147 213,779 436,935 41,826 1,319,931 Vehicle loans Pass 801,084 292,804 205,653 119,304 34,546 27,576 — — 1,480,967 Substandard 387 365 1,141 745 379 247 — — 3,264 Total vehicle loans 801,471 293,169 206,794 120,049 34,925 27,823 — — 1,484,231 Consumer loans Pass 117,856 81,266 47,195 20,595 9,794 12,202 63,025 1,578 353,511 Substandard 213 161 105 64 26 50 357 30 1,006 Total consumer loans 118,069 81,427 47,300 20,659 9,820 12,252 63,382 1,608 354,517 Total Personal Banking 1,715,387 1,187,738 697,848 362,956 279,014 1,366,605 500,317 43,434 6,153,299 Business Banking: Commercial real estate loans Pass 306,689 433,219 335,541 263,524 221,450 683,537 26,288 10,179 2,280,427 Special Mention 803 1,808 52,513 3,296 1,394 8,529 729 23 69,095 Substandard — 34,153 44,712 46,045 56,077 89,311 492 5,169 275,959 Total commercial real estate loans 307,492 469,180 432,766 312,865 278,921 781,377 27,509 15,371 2,625,481 Commercial real estate loans - owner occupied Pass 69,084 19,452 51,997 60,824 57,676 94,687 2,822 2,707 359,249 Special Mention — — — 769 1,959 1,444 856 — 5,028 Substandard — — 3,575 2,887 7,840 10,602 — 822 25,726 Total commercial real estate loans - owner occupied 69,084 19,452 55,572 64,480 67,475 106,733 3,678 3,529 390,003 Commercial loans Pass 224,367 110,171 73,276 27,668 20,748 76,987 262,805 12,301 808,323 Special Mention 197 661 812 1,195 50 581 2,234 — 5,730 Substandard 329 4,767 5,102 4,437 1,529 2,116 6,667 8,609 33,556 Total commercial loans 224,893 115,599 79,190 33,300 22,327 79,684 271,706 20,910 847,609 Total Business Banking 601,469 604,231 567,528 410,645 368,723 967,794 302,893 39,810 3,863,093 Total loans $ 2,316,856 1,791,969 1,265,376 773,601 647,737 2,334,399 803,210 83,244 10,016,392
Schedule of financial instruments with off-balance-sheet risk	Financial instruments with off-balance-sheet risk as of December 31, 2022 and 2021 are presented in the following table: Years ended December 31, 2022 2021 Loans commitments $ 248,636 355,682 Undisbursed lines of credit 1,094,535 1,054,184 Standby letters of credit 45,140 45,521 Total $ 1,388,311 1,455,387
Schedule of changes in mortgage servicing rights	The following table shows changes in MSRs as of and for the years ended December 31, 2022 and 2021: Servicing rights Valuation allowance Net carrying Balance at December 31, 2020 $ 8,657 (492) 8,165 Additions 4,604 481 5,085 Amortization (3,095) — (3,095) Balance at December 31, 2021 10,166 (11) 10,155 Additions 1,282 4 1,286 Amortization (3,646) — (3,646) Balance at December 31, 2022 $ 7,802 (7) 7,795

Accrued Interest Receivable (Ta

Accrued Interest Receivable (Tables)	12 Months Ended
	Dec. 31, 2022
Interest Receivable and Other Assets [Abstract]
Schedule of accrued interest receivable	Accrued interest receivable as of December 31, 2022 and 2021 is presented in the following table: December 31, 2022 2021 Investment securities $ 1,722 1,591 FHLB dividends 391 89 Mortgage-backed securities 3,020 2,589 Loans receivable 30,395 21,330 Total $ 35,528 25,599

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Schedule of premises and equipment	Premises and equipment at December 31, 2022 and 2021 are summarized by major classification in the following table: December 31, 2022 2021 Land and land improvements $ 24,368 25,449 Office buildings and improvements 139,180 152,654 Furniture, fixtures and equipment 138,590 138,242 Leasehold improvements 23,559 20,288 Total, at cost 325,697 336,633 Less accumulated depreciation and amortization (179,788) (180,109) Premises and equipment, net $ 145,909 156,524

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of intangible assets subject to amortization	The following table provides information for intangible assets subject to amortization for the years ended December 31, 2022 and 2021: December 31, 2022 2021 Amortizable intangible assets: Core deposit intangibles - gross $ 74,899 74,899 Less: accumulated amortization (66,367) (62,158) Core deposit intangibles - net $ 8,532 12,741 Customer and Contract intangible assets - gross $ 12,775 12,775 Customer list intangible assets disposed of due to sale of insurance business — (1,547) Less: accumulated amortization (12,747) (11,133) Customer and Contract intangible assets - net 28 95 Total intangible assets - net $ 8,560 12,836
Schedule of the actual aggregate amortization expense as well as estimated aggregate amortization expense, based upon current levels of intangible assets	The following information shows the actual aggregate amortization expense for the years ended December 31, 2022, 2021 and 2020 as well as the estimated aggregate amortization expense, based upon current levels of intangible assets, for each of the five succeeding fiscal years: For the year ended December 31, 2020 $ 6,856 For the year ended December 31, 2021 5,553 For the year ended December 31, 2022 4,277 For the year ending December 31, 2023 3,270 For the year ending December 31, 2024 2,452 For the year ending December 31, 2025 1,662 For the year ending December 31, 2026 871 For the year ending December 31, 2027 305
Schedule of the changes in carrying amount of goodwill	The following table provides information for the changes in the carrying amount of goodwill: Total Balance at December 31, 2020 $ 382,279 Purchase accounting adjustment 77 Goodwill disposed of due to sale of insurance business (1,359) Balance at December 31, 2021 380,997 Balance at December 31, 2022 $ 380,997

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Schedule of deposit balances	Deposit balances at December 31, 2022 and 2021 are shown in the table below: December 31, 2022 2021 Noninterest-bearing demand deposits $ 2,993,243 3,099,526 Interest-bearing demand deposits 2,686,431 2,940,442 Money market deposit accounts 2,457,569 2,629,882 Savings deposits 2,275,020 2,303,760 Time deposits 1,052,285 1,327,555 Total deposits $ 11,464,548 12,301,165
Summarizes the contractual maturity of the certificate accounts	The following table summarizes the contractual maturity of time deposits at December 31, 2022 and 2021: December 31, 2022 2021 Due within 12 months $ 754,564 890,101 Due between 12 and 24 months 186,803 288,284 Due between 24 and 36 months 46,500 80,251 Due between 36 and 48 months 26,734 33,843 Due between 48 and 60 months 33,691 29,692 After 60 months 3,993 5,384 Total time deposits $ 1,052,285 1,327,555
Summarizes the interest expense incurred on the deposits	The following table summarizes the interest expense incurred on the respective deposits for the years ended December 31, 2022, 2021 and 2020: Years ended December 31, 2022 2021 2020 Interest-bearing demand deposits $ 1,517 1,660 3,358 Money market deposit accounts 3,381 2,597 7,021 Savings deposits 2,339 2,413 2,614 Time deposits 6,883 12,452 22,903 Total interest expense on deposits $ 14,120 19,122 35,896

Borrowed Funds (Tables)

Borrowed Funds (Tables)	12 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Schedule of borrowed funds	Borrowed funds at December 31, 2022 and 2021 are presented in the following table: December 31, 2022 2021 Amount Average rate Amount Average rate Term notes payable to the FHLB of Pittsburgh, due within one year $ 500,000 4.55 % $ — — % Notes payable to the FHLB of Pittsburgh, due within one year 51,300 4.45 % — — % Collateralized borrowings, due within one year 105,766 0.27 % 139,093 0.19 % Collateral received, due within one year 24,100 4.17 % — — % Total borrowed funds $ 681,166 $ 139,093
Schedule of capital debt securities and junior subordinated deferrable interest debentures	The following table sets forth a summary of the cumulative trust preferred securities and the junior subordinated debt held by the Trust as of December 31, 2022 and 2021. Maturity date Interest rate Capital debt December 31, 2022 2021 Northwest Bancorp Capital Trust III December 30, 2035 3-month LIBOR plus 1.38% $ 50,000 51,547 51,547 Northwest Bancorp Statutory Trust IV December 15, 2035 3-month LIBOR plus 1.38% 50,000 51,547 51,547 LNB Trust II June 15, 2037 3-month LIBOR plus 1.48% 7,875 8,119 8,119 Union National Capital Trust I (1) January 23, 2034 3-month LIBOR plus 2.85% 8,000 7,975 7,950 Union National Capital Trust II (1) November 23, 2034 3-month LIBOR plus 2.00% 3,000 2,768 2,741 MFBC Statutory Trust I (1) September 15, 2035 3-month LIBOR plus 1.70% 5,000 3,684 3,580 Universal Preferred Trust (1) October 7, 2035 3-month LIBOR plus 1.69% 5,000 3,674 3,570 $ 128,875 129,314 129,054

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Schedule of allocation of income tax	Total income tax was allocated for the years ended December 31, 2022, 2021 and 2020 as follows: Years ended December 31, 2022 2021 2020 Income tax expense $ 40,026 46,801 17,672 Shareholders’ equity for unrealized gain/(loss) on securities available-for-sale (45,321) (10,425) 5,061 Shareholders’ equity for pension adjustment 6,980 9,659 (3,774) Unallocated income tax $ 1,685 46,035 18,959
Schedule of income tax expense (benefit) applicable to income before taxes	Income tax expense applicable to income before taxes consists of: Years ended December 31, 2022 2021 2020 Current tax provision/(benefit): Federal $ 36,235 24,554 23,968 State 9,295 9,933 1,788 Total current tax provision/(benefit) 45,530 34,487 25,756 Deferred tax provision/(benefit): Federal (5,325) 10,752 (9,072) State (179) 1,562 988 Total deferred tax provision/(benefit) (5,504) 12,314 (8,084) Total income tax expense $ 40,026 46,801 17,672
Schedule of reconciliation of the expected federal statutory rate to the effective rate	A reconciliation of the expected federal statutory income tax rate to the effective rate, expressed as a percentage of pretax income for the years ended December 31, 2022, 2021 and 2020, is as follows: Years ended December 31, 2022 2021 2020 Expected tax rate 21.0 % 21.0 % 21.0 % Tax-exempt interest income (1.1) % (0.9) % (1.7) % State income tax, net of federal benefit 4.0 % 4.5 % 2.2 % Bank-owned life insurance (0.9) % (0.6) % (1.1) % Stock-based compensation 0.1 % (0.1) % 0.2 % Dividends on stock plans (0.5) % (0.4) % (0.9) % Low income housing and historic tax credits (0.2) % (0.2) % (0.9) % Other 0.6 % — % 0.3 % Effective tax rate 23.0 % 23.3 % 19.1 %
Tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2022 and 2021 are presented below: December 31, 2022 2021 Deferred tax assets: Deferred compensation expense $ 4,804 4,230 Bad debts 27,105 23,273 Other reserves 3,554 1,333 Accrued post-retirement benefit cost 502 900 Stock benefit plans 652 623 Pension and post-retirement benefits 2,767 9,747 Unrealized loss on the fair value of securities available-for-sale 49,414 4,093 Deferred income 95 341 Lease liability 13,101 12,958 Purchase accounting 696 432 Net operating loss 1,592 2,140 Other 1,877 922 Total deferred tax assets 106,159 60,992 Deferred tax liabilities: Pension expense 6,231 6,993 Intangible assets 17,400 16,543 Mortgage servicing rights 1,768 2,278 Fixed assets 6,518 5,287 Net deferred loan costs 3,055 2,338 Right of use asset 12,463 12,322 Interest rate derivatives 123 341 Other 2,369 2,503 Total deferred tax liabilities 49,927 48,605 Net deferred tax asset $ 56,232 12,387
Summary of unrecognized tax benefits	The following table presents changes in unrecognized tax benefits at December 31, 2022, 2021 and 2020: Year ended December 31, 2022 2021 2020 Unrecognized tax benefits: Balance, beginning of year $ 241 331 — Increases related to prior year tax positions 252 37 336 Decreases related to prior year tax positions (28) (173) (5) Increases related to current year tax positions 8 46 — Balance, end of year $ 473 241 331

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Schedule of computation of basic and diluted earnings per share	The following table sets forth the computation of basic and diluted earnings per share for the years ended December 31, 2022, 2021 and 2020. Years ended December 31, 2022 2021 2020 Net income $ 133,666 154,323 74,854 Less: Dividends and undistributed earnings allocated to participating securities 585 1,010 — Net income available to common shareholders $ 133,081 153,313 74,854 Weighted average common shares outstanding (1) 126,167,892 126,181,586 120,244,474 Add: Participating shares outstanding (1) 556,201 828,251 — Total weighted average common shares and dilutive potential shares (1) 126,724,093 127,009,837 120,244,474 Basic earnings per share (1) $ 1.05 1.22 0.62 Diluted earnings per share (1) $ 1.05 1.21 0.62 (1) Not in thousands.

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2022
Retirement Benefits [Abstract]
Schedule of net periodic costs for the defined benefit pension plans and the post retirement healthcare plans	The following table sets forth components of net periodic pension cost and other amounts recognized in other comprehensive income for the years ended December 31, 2022, 2021 and 2020. Years ended December 31, 2022 2021 2020 Defined benefit pension plan: Service cost $ 10,396 11,440 8,391 Interest cost 6,683 6,070 6,855 Expected return on plan assets (15,454) (13,859) (12,362) Amortization of prior service cost (2,257) (2,322) (2,322) Amortization of the net loss 1,525 4,156 3,695 Net periodic pension cost, defined benefit pension plans 893 5,485 4,257 Other changes in defined benefit pension plan recognized in other comprehensive income: Net (gain)/loss (28,222) (36,552) 11,521 Amortization of prior service cost 2,257 2,322 2,323 Total recognized in other comprehensive income (25,965) (34,230) 13,844 Total recognized in net periodic pension cost and other comprehensive income $ (25,072) (28,745) 18,101 The following table sets forth the net periodic benefit cost for the post-retirement healthcare benefits plan for the years ended December 31, 2022, 2021 and 2020: Years ended December 31, 2022 2021 2020 Interest cost $ 40 42 26 Amortization of net loss 6 14 18 Net period benefit cost $ 46 56 44
Schedule of other changes in the defined benefit pension plans' plan assets and benefit obligations recognized in other comprehensive income	The following table sets forth components of net periodic pension cost and other amounts recognized in other comprehensive income for the years ended December 31, 2022, 2021 and 2020. Years ended December 31, 2022 2021 2020 Defined benefit pension plan: Service cost $ 10,396 11,440 8,391 Interest cost 6,683 6,070 6,855 Expected return on plan assets (15,454) (13,859) (12,362) Amortization of prior service cost (2,257) (2,322) (2,322) Amortization of the net loss 1,525 4,156 3,695 Net periodic pension cost, defined benefit pension plans 893 5,485 4,257 Other changes in defined benefit pension plan recognized in other comprehensive income: Net (gain)/loss (28,222) (36,552) 11,521 Amortization of prior service cost 2,257 2,322 2,323 Total recognized in other comprehensive income (25,965) (34,230) 13,844 Total recognized in net periodic pension cost and other comprehensive income $ (25,072) (28,745) 18,101 The following table sets forth other changes in the post-retirement healthcare plan’s plan assets and benefit obligations recognized in other comprehensive income: Years ended December 31, 2022 2021 2020 Net loss/(gain) $ 183 (66) (51) Total recognized in other comprehensive income $ 183 (66) (51) Total recognized in net periodic benefit cost and other comprehensive loss $ 229 (10) (7)
Schedule of defined benefit pension plans' funded status	The following table sets forth information for the defined benefit pension plans’ funded status at December 31, 2022 and 2021: December 31, 2022 2021 Change in benefit obligation: Benefit obligation at beginning of year $ 246,934 258,589 Service cost 10,396 11,440 Interest cost 6,683 6,070 Actuarial gain (70,121) (19,834) Benefits paid (9,133) (9,331) Benefit obligation at end of year 184,759 246,934 Change in plan assets: Fair value of plan assets at beginning of year 239,438 216,872 Actual return on plan assets (27,970) 26,421 Employer contributions 456 5,476 Benefits paid (9,133) (9,331) Fair value of plan assets at end of period 202,791 239,438 Funded status at end of year $ 18,032 (7,496) The following table sets forth the funded status of the post-retirement healthcare benefit plan at December 31, 2022 and 2021: December 31, 2022 2021 Change in benefit obligation: Benefit obligation at beginning of year $ 1,560 1,807 Interest cost 40 42 Actuarial loss/(gain) 189 (53) Benefits paid (268) (236) Benefit obligation at end of year $ 1,521 1,560 Change in plan assets: Employer contributions $ 268 236 Benefits paid (268) (236) Funded status at year end $ (1,521) (1,560)
Schedule of assumptions used to develop the net periodic pension cost	The following table sets forth the assumptions used to develop the net periodic pension cost: Years ended December 31, 2022 2021 2020 Discount rate 2.75 % 2.39 % 3.14 % Expected long-term rate of return on assets 6.50 % 6.50 % 6.50 % Rate of increase in compensation levels 3.00 % 3.00 % 3.00 % The assumptions used to develop the preceding information for post-retirement healthcare benefits are as follows: Years ended December 31, 2022 2021 2020 Discount rate 2.75 % 2.39 % 3.14 % Monthly cost of healthcare insurance per beneficiary (1) $ 415 343 370 Annual rate of increase in healthcare costs 5.00 % 5.00 % 4.00 % (1) Not in thousands.
Schedule of assumptions used to determine benefit obligations	The following table sets forth the assumptions used to determine benefit obligations at the end of each period: Years ended December 31, 2022 2021 2020 Discount rate 4.99 % 2.75 % 2.39 % Expected long-term rate of return on assets 6.50 % 6.50 % 6.50 % Rate of increase in compensation levels 3.00 % 3.00 % 3.00 %
Schedule of certain information related to pension plans	The following table sets forth certain information related to our pension plans: December 31, 2022 2021 Projected benefit obligation $ 184,759 246,934 Accumulated benefit obligation 184,759 246,934 Fair value of plan assets 202,791 239,438
Schedule of weighted average asset allocation of defined benefit plans	The following table sets forth the weighted average asset allocation of defined benefit plans: December 31, Target allocation 2022 2021 Debt securities 20 – 50% 26 % 25 % Equity securities 30 – 60% 65 % 66 % Other 5 – 50% 9 % 9 % Total 100 % 100 %
Schedule of allocation of plan assets	The following table sets forth the pension plan assets as of December 31, 2022 and 2021. December 31, 2022 2021 Defined benefit pension assets: Common stock $ 61,552 61,968 Mutual funds 121,826 154,676 Money market funds 9,208 11,946 Other 10,205 10,672 Total defined benefit pension plan assets (1) $ 202,791 239,262 (1) The defined benefit pension plan statement of net assets also includes accrued interest and dividends resulting in net assets available for benefits of $203.0 million and $239.4 million, respectfully.
Schedule of accumulated benefit obligation in excess of plan assets	The following table sets forth information for plans with an accumulated benefit obligation in excess of plan assets: December 31, 2022 2021 Projected benefit obligation $ 1,521 1,560 Accumulated benefit obligation 1,521 1,560
Schedule of activity under option plans	The following table summarizes the activity in our option plans during the years ended December 31, 2022, 2021 and 2020 (amounts in this table are not in thousands): Years ended December 31, 2022 2021 2020 Number Weighted average Number Weighted average Number Weighted average Balance at beginning of year 4,380,310 $ 14.05 5,243,172 $ 13.72 5,101,351 $ 14.28 Granted (1) — — 693,972 13.68 614,076 9.71 Exercised (2) (465,920) 12.14 (1,219,581) 12.28 (131,309) 11.81 Forfeited/expired (256,810) 14.64 (337,253) 14.59 (340,946) 14.39 Balance at end of year 3,657,580 14.25 4,380,310 14.05 5,243,172 13.72 Exercisable at end of year 2,556,235 14.43 2,618,733 14.15 3,350,356 13.53 (1) Weighted average fair value of options at grant date: N/A, $0.64 and $0.13, respectively. (2) The total intrinsic value of options exercised was $839,000, $2.3 million and $444,000, respectively.
Schedule of number of options outstanding, number of options exercisable, and weighted average remaining life of all option grants	The following table summarizes the number of options outstanding, number of options exercisable, and weighted average remaining life of all option grants as of December 31, 2022 (amounts in this table are not in thousands): Exercise price $9.71 Exercise price $12.37 Exercise price $12.44 Exercise price $13.15 Exercise price $13.68 Options outstanding: Number of options 442,133 267,197 171,998 237,004 588,401 Weighted average remaining contract life (years) 7.5 2.5 0.5 1.5 8.5 Options exercisable: Number of options 213,249 224,951 171,998 219,395 257,543 Weighted average remaining term - vested (years) 7.5 2.5 0.5 1.5 8.5 Exercise price $14.15 Exercise price $15.57 Exercise price $16.59 Exercise price $17.27 Total Average $14.25 Options outstanding: Number of options 384,878 490,787 626,953 448,229 3,657,580 Weighted average remaining contract life (years) 3.5 4.5 5.5 6.5 5.2 Options exercisable: Number of options 302,162 355,907 504,215 306,815 2,556,235 Weighted average remaining term - vested (years) 3.5 4.5 5.5 6.5 3.8

Disclosures About Fair Value _2

Disclosures About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Schedule of the carrying amount and estimated fair value of the entity's financial instruments included in the consolidated statement of financial condition	The following table sets forth the carrying amount and estimated fair value of our financial instruments included in the Consolidated Statement of Financial Condition at December 31, 2022 and 2021: December 31, 2022 Carrying amount Estimated fair value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 139,365 139,365 139,365 — — Securities available-for-sale 1,218,108 1,218,108 — 1,218,108 — Securities held-to-maturity 881,249 751,384 — 751,384 — Loans receivable, net 10,792,503 9,910,852 — — 9,910,852 Residential mortgage loans held-for-sale 9,913 9,913 — — 9,913 Accrued interest receivable 35,528 35,528 35,528 — — Interest rate lock commitments 559 559 — — 559 Forward commitments 128 128 — 128 — Interest rate swaps not designated as hedging instruments 26,642 26,642 — 26,642 — FHLB stock 40,143 40,143 — — — Total financial assets $ 13,144,138 12,132,622 174,893 1,996,262 9,921,324 Financial liabilities: Savings and checking deposits $ 10,412,263 10,412,263 10,412,263 — — Time deposits 1,052,285 1,059,790 — — 1,059,790 Borrowed funds 681,166 680,996 680,996 — — Subordinated debt 113,840 102,554 — 102,554 — Junior subordinated debentures 129,314 133,546 — — 133,546 Foreign exchange swaps 23 23 — 23 — Interest rate swaps not designated as hedging instruments 45,464 45,464 — 45,464 — Risk participation agreements 18 18 — 18 — Accrued interest payable 3,231 3,231 3,231 — — Total financial liabilities $ 12,437,604 12,437,885 11,096,490 148,059 1,193,336 December 31, 2021 Carrying amount Estimated fair value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 1,279,259 1,279,259 1,279,259 — — Securities available-for-sale 1,548,592 1,548,592 — 1,548,592 — Securities held-to-maturity 768,154 751,513 — 751,513 — Loans receivable, net 9,889,095 9,648,825 — — 9,648,825 Residential mortgage loans held-for-sale 25,056 25,056 — — 25,056 Accrued interest receivable 25,599 25,599 25,599 — — Interest rate lock commitments 1,684 1,684 — — 1,684 Forward commitments 371 371 — 371 — Interest rate swaps not designated as hedging instruments 31,254 31,254 — 31,254 — FHLB stock 14,184 14,184 — — — Total financial assets $ 13,583,248 13,326,337 1,304,858 2,331,730 9,675,565 Financial liabilities: Savings and checking accounts $ 10,973,610 10,973,610 10,973,610 — — Time deposits 1,327,555 1,339,308 — — 1,339,308 Borrowed funds 139,093 139,093 139,093 — — Subordinated debt 123,575 129,138 — 129,138 — Junior subordinated debentures 129,054 120,083 — — 120,083 Foreign exchange swaps 341 341 — 341 — Interest rate swaps not designated as hedging instruments 31,357 31,357 — 31,357 — Risk participation agreements 60 60 — 60 — Accrued interest payable 1,804 1,804 1,804 — — Total financial liabilities $ 12,726,449 12,734,794 11,114,507 160,896 1,459,391
Schedule of assets and liabilities measured at fair value on a recurring basis	The following table represents assets and liabilities measured at fair value on a recurring basis as of December 31, 2022: Level 1 Level 2 Level 3 Total at Debt securities: U.S. government and agencies $ — 60,592 — 60,592 Government sponsored enterprises — 39,201 — 39,201 States and political subdivisions — 111,766 — 111,766 Corporate — 12,978 — 12,978 Total debt securities — 224,537 — 224,537 Residential mortgage-backed securities: GNMA — 12,434 — 12,434 FNMA — 117,218 — 117,218 FHLMC — 74,991 — 74,991 Non-agency — 6 — 6 Collateralized mortgage obligations: GNMA — 364,553 — 364,553 FNMA — 185,588 — 185,588 FHLMC — 238,781 — 238,781 Total mortgage-backed securities — 993,571 — 993,571 Interest rate lock commitments — — 559 559 Forward commitments — 128 — 128 Interest rate swaps not designated as hedging instruments — 26,642 — 26,642 Total assets $ — 1,244,878 559 1,245,437 Foreign exchange swaps $ — 23 — 23 Interest rate swaps not designated as hedging instruments — 45,464 — 45,464 Risk participation agreements — 18 — 18 Total liabilities $ — 45,505 — 45,505 The following table represents assets and liabilities measured at fair value on a recurring basis as of December 31, 2021: Level 1 Level 2 Level 3 Total at Debt securities: U.S. government and agencies $ — 75,891 — 75,891 Government sponsored enterprises — 46,085 — 46,085 States and political subdivisions — 128,701 — 128,701 Total debt securities — 250,677 — 250,677 Residential mortgage-backed securities: GNMA — 16,510 — 16,510 FNMA — 160,063 — 160,063 FHLMC — 100,055 — 100,055 Non-agency — 431 — 431 Collateralized mortgage obligations: GNMA — 492,328 — 492,328 FNMA — 269,060 — 269,060 FHLMC — 259,468 — 259,468 Total mortgage-backed securities — 1,297,915 — 1,297,915 Interest rate lock commitments — — 1,684 1,684 Forward commitments — 371 — 371 Interest rate swaps not designated as hedging instruments — 31,254 — 31,254 Total assets $ — 1,580,217 1,684 1,581,901 Foreign exchange swaps $ — 341 — 341 Interest rate swaps not designated as hedging instruments — 31,357 — 31,357 Risk participation agreements — 60 — 60 Total liabilities $ — 31,758 — 31,758
Schedule of reconciliation of debt securities measured at fair value on a recurring basis using significant unobservable inputs (Level 3)	The following table presents the changes in Level 3 assets and liabilities measured at fair value on a recurring basis for the year ended December 31, 2022 and 2021: Years ended December 31, 2022 2021 Beginning balance January 1, $ 1,684 6,465 Net activity (1,125) (4,781) Ending balance December 31, $ 559 1,684
Schedule of fair value measurement for nonrecurring assets	The following table represents the fair market measurement for only those nonrecurring assets that had a fair market value below the carrying amount as of December 31, 2022: Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 15,416 15,416 Mortgage servicing rights — — 95 95 Real estate owned, net — — 413 413 Total assets $ — — 15,924 15,924 The following table represents the fair market measurement for only those nonrecurring assets that had a fair market value below the carrying amount as of December 31, 2021: Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 46,968 46,968 Mortgage servicing rights — — 380 380 Real estate owned, net — — 873 873 Total assets $ — — 48,221 48,221
Schedule of quantitative information about assets measured at fair value on a recurring and nonrecurring basis for Level 3 Fair Value Measurements	The following table presents additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis and for which we have utilized Level 3 inputs to determine fair value at December 31, 2022: Fair value ($) Valuation Significant Range Loans individually assessed 15,416 Appraisal value (1) Estimated cost to sell 10% Discounted cash flow Discount rate 6.48% (6.48%) Mortgage servicing rights 95 Discounted cash flow Annual service cost $85 Prepayment rate 6.6% to 12.2% (9.0%) Expected life (months) 58.2 to 105.0 (77.6) Option adjusted spread 700 basis points Forward yield curve 4.12% to 5.04% Real estate owned, net 413 Appraisal value (1) Estimated cost to sell 10% Loans held for sale 9,913 Quoted prices for similar loans in active markets adjusted by an expected pull-through rate Estimated pull-through rate 100% (1) Fair value is generally determined through independent appraisals of the underlying collateral, which may include Level 3 inputs that are not identifiable.

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of actual, required, and well capitalized levels	The actual, required, and well capitalized levels as of December 31, 2022 and 2021 were as follows: At December 31, 2022 Actual Minimum capital Well capitalized Amount Ratio Amount Ratio Amount Ratio Total capital (to risk weighted assets) Northwest Bancshares, Inc. $ 1,745,701 16.363 % $ 1,120,216 10.500 % $ 1,066,872 10.000 % Northwest Bank 1,568,202 14.712 % 1,119,214 10.500 % 1,065,918 10.000 % Tier 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,516,621 14.216 % 906,841 8.500 % 853,498 8.000 % Northwest Bank 1,452,962 13.631 % 906,030 8.500 % 852,734 8.000 % CET 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,391,296 13.041 % 746,810 7.000 % 693,467 6.500 % Northwest Bank 1,452,962 13.631 % 746,143 7.000 % 692,847 6.500 % Tier 1 capital (leverage to average assets) Northwest Bancshares, Inc. 1,516,621 10.817 % 560,816 4.000 % 701,020 5.000 % Northwest Bank 1,452,962 10.365 % 560,706 4.000 % 700,882 5.000 % (1) Amounts and ratios include the 2022 capital conservation buffer of 2.5% with the exception of Tier 1 capital to average assets. For further information related to the capital conservation buffer, see “ Item 1. Business - Supervision and Regulation ” . At December 31, 2021 Actual Minimum capital Well capitalized Amount Ratio Amount Ratio Amount Ratio Total capital (to risk weighted assets) Northwest Bancshares, Inc. $ 1,682,487 17.056 % $ 1,035,786 10.500 % $ 986,463 10.000 % Northwest Bank 1,551,084 15.738 % 1,034,819 10.500 % 985,542 10.000 % Tier 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,475,190 14.954 % 838,494 8.500 % 789,170 8.000 % Northwest Bank 1,467,362 14.889 % 837,711 8.500 % 788,434 8.000 % CET 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,350,125 13.687 % 690,524 7.000 % 641,201 6.500 % Northwest Bank 1,467,362 14.889 % 689,879 7.000 % 640,602 6.500 % Tier 1 capital (leverage to average assets) Northwest Bancshares, Inc. 1,475,190 10.349 % 570,160 4.000 % 712,699 5.000 % Northwest Bank 1,467,362 10.296 % 570,047 4.000 % 712,558 5.000 % (1) Amounts and ratios include the 2021 capital conservation buffer of 2.5% with the exception of Tier 1 capital to average assets. For further information related to the capital conservation buffer, see Item 1. Business - “ Supervision and Regulation”.

Components of Accumulated Oth_2

Components of Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of the components of accumulated other comprehensive income	The following table sets forth the components of accumulated other comprehensive loss as of December 31, 2022 and 2021: December 31, 2022 2021 Unrealized gain/(loss) on marketable securities available-for-sale $ (164,206) (12,317) Defined benefit pension plans (6,952) (25,312) Accumulated other comprehensive loss $ (171,158) (37,629)
Schedule of the changes in accumulated other comprehensive income by component	The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2022: Unrealized gains and losses on securities Change in defined Total Balance as of January 1, $ (12,317) (25,312) (37,629) Other comprehensive (loss)/income before reclassification adjustments (1) (2) (151,888) 18,884 (133,004) Amounts reclassified from accumulated other comprehensive income (3) (4) (1) (524) (525) Net other comprehensive income/(loss) (151,889) 18,360 (133,529) Balance as of December 31, $ (164,206) (6,952) (171,158) (1) Consists of unrealized holding losses, net of tax of $45,321. (2) Consists of unrealized gains, net of tax of $(7,182). (3) Consists of realized gains, net of tax of $0. (4) Consists of realized gains, net of tax of $202. The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2021: Unrealized gains and losses on securities available-for-sale Change in defined Total Balance as of January 1, $ 16,843 (50,392) (33,549) Other comprehensive income/(loss) before reclassification adjustments (1) (2) (28,873) 23,748 (5,125) Amounts reclassified from accumulated other comprehensive income (3) (4) (287) 1,332 1,045 Net other comprehensive income/(loss) (29,160) 25,080 (4,080) Balance as of December 31, $ (12,317) (25,312) (37,629) (1) Consists of unrealized holding losses, net of tax of $10,333. (2) Consists of unrealized gains, net of tax of $(9,144). (3) Consists of realized gains, net of tax of $92. (4) Consists of realized losses, net of tax of $(515). The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2020: Unrealized gains and losses on securities Change in fair value of Change in defined benefit pension plans Total Balance as of January 1, $ 3,147 — (40,088) (36,941) Other comprehensive income/(loss) before reclassification adjustments (1) (2) (3) 13,711 (946) (11,301) 1,464 Amounts reclassified from accumulated other comprehensive income (4) (5) (6) (15) 946 997 1,928 Net other comprehensive income/(loss) 13,696 — (10,304) 3,392 Balance as of December 31, $ 16,843 — (50,392) (33,549) (1) Consists of unrealized holding gains, net of tax of $(5,607). (2) Consists of unrealized holding losses, net of tax of $209. (3) Consists of unrealized losses, net of tax of $4,169. (4) Consists of realized gains, net of tax of $6. (5) Consists of realized losses, net of tax of $(209). (6) Consists of realized losses, net of tax of $(395).

Parent Company Only Financial_2

Parent Company Only Financial Statements - Condensed (Tables)	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information Disclosure [Abstract]
Schedule of statements of financial condition	Statements of Financial Condition December 31, 2022 2021 Assets Cash and cash equivalents $ 174,102 128,001 Investment in bank subsidiary 1,656,159 1,674,360 Other assets 9,490 9,199 Total assets $ 1,839,751 1,811,560 Liabilities and shareholders’ equity Liabilities: Debentures payable $ 243,154 252,629 Other liabilities 2,109 1,814 Total liabilities 245,263 254,443 Shareholders’ equity 1,594,488 1,557,117 Total liabilities and shareholders’ equity $ 1,839,751 1,811,560
Schedule of statements of income	Statements of Income Years ended December 31, 2022 2021 2020 Income: Interest income $ 140 87 196 Other income 805 527 553 Dividends from bank subsidiary 161,000 73,000 — Undistributed earnings from equity investment in bank subsidiary (18,187) 88,944 80,996 Total income 143,758 162,558 81,745 Expense: Compensation and employee benefits 1,656 1,358 1,234 Other expenses 1,042 1,033 2,241 Interest expense 9,825 7,870 4,933 Total expense 12,523 10,261 8,408 Income before income taxes 131,235 152,297 73,337 Income tax benefit (2,431) (2,026) (1,517) Net income $ 133,666 154,323 74,854
Schedule of statements of cash flows	Statements of Cash Flows Years ended December 31, 2022 2021 2020 Operating activities: Net income $ 133,666 154,323 74,854 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiary 18,187 (88,944) (80,996) Net change in other assets and liabilities (9,457) 597 128,287 Net cash provided by operating activities 142,396 65,976 122,145 Investing activities: Net cash used in investing activities — — — Financing activities: Cash dividends paid on common stock (101,468) (100,274) (93,132) Repurchase of Northwest stock — (23,854) (9,276) Proceeds from stock options exercised 5,173 14,011 1,479 Net cash used in financing activities (96,295) (110,117) (100,929) Net increase/(decrease) in cash and cash equivalents $ 46,101 (44,141) 21,216 Cash and cash equivalents at beginning of period $ 128,001 172,142 150,926 Net increase/(decrease) in cash and cash equivalents 46,101 (44,141) 21,216 Cash and cash equivalents at end of period $ 174,102 128,001 172,142

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	The following table presents information regarding our derivative financial instruments for the periods indicated: Asset derivatives Liability derivatives Notional amount Fair value Notional amount Fair value At December 31, 2022 Derivatives not designated as hedging instruments: Interest rate swap agreements $ 651,114 26,642 651,114 45,464 Foreign exchange swap agreements — — 2,328 23 Interest rate lock commitments 19,727 559 — — Forward commitments 4,909 128 — — Risk participation agreements — — 114,159 18 Total derivatives $ 675,750 27,329 767,601 45,505 At December 31, 2021 Derivatives not designated as hedging instruments: Interest rate swap agreements $ 644,997 31,254 644,997 31,357 Foreign exchange swap agreements — — 17,124 341 Interest rate lock commitments 67,473 1,684 — — Forward commitments 14,484 371 — — Risk participation agreements — — 93,135 60 Total derivatives $ 726,954 33,309 755,256 31,758
Gain (Loss) on Derivative Instruments	The following table presents income or expenses recognized on derivatives for the periods indicated: For the years ended December 31, 2022 2021 2020 Hedging derivatives: Decrease in interest expense $ — — (35) Non-hedging swap derivatives: (Decrease)/increase in other income (83) 1,033 (700) Increase in mortgage banking income 1,368 5,515 6,867

Summary of Significant Accoun_3

Summary of Significant Accounting Policies - Loans Receivable and Allowance for Loan Losses and Other Narrative Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) segment bank_location	Dec. 31, 2021 USD ($)
Nature of Operations
Number of banking locations | bank_location	150
Number of reportable business segments | segment	1
Marketable Securities
Securities classified as trading	$ 0	$ 0
Debt securities held to maturity accrued interest receivable	2.8	2.2
Available for sale accrued interest receivable	2	1.9
Loans Receivable
Accrued interest receivable	$ 30.4	21.3
Number of days in delinquency for accrued interest on loans to be considered for reversal, minimum	90 days
Number of days delinquent for loans to be placed on non-accrual status, minimum	90 days
Period of time to return TDRs included in impaired loans to performing status through the fulfilling of contractual terms	180 days
Residential mortgage loans held-for-sale	$ 9.9	$ 25.1
Number of loan segments | segment	7

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Premises and Equipment and Goodwill (Details)	12 Months Ended
	Dec. 31, 2022
Minimum
Premises and Equipment
Estimated lives	3 years
Core Deposit Intangibles
Useful life of core deposit intangibles	7 years
Maximum
Premises and Equipment
Estimated lives	39 years
Core Deposit Intangibles
Useful life of core deposit intangibles	11 years

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Pension Plans (Details)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Pension Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Discount rate	4.99%	2.75%	2.39%

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Stock Related Compensation and Segments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Stock Related Compensation
Options awarded (in shares)	0
Stock options
Stock Related Compensation
Compensation expense for unvested common share awards which is yet to be recognized	$ 909
Restricted common shares
Stock Related Compensation
Stock-based employee compensation expense	2,800	$ 4,100	$ 3,500
Effect of compensation expense on net income included in income before income taxes	$ 2,000	$ 2,900	$ 2,500

Summary of Significant Accoun_7

Summary of Significant Accounting Policies - Leases (Details)	Dec. 31, 2022
Minimum
Lessee, Lease, Description [Line Items]
Lease renewal term	1 year
Maximum
Lessee, Lease, Description [Line Items]
Lease term of contract (up to)	35 years
Lease renewal term	10 years

Leases - Schedule of Lease Cost

Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating lease costs (office operations)	$ 6,201	$ 5,802	$ 6,139
Variable lease costs (office operations)	677	662	680
Total operating lease costs	$ 6,878	$ 6,464	$ 6,819

Leases - Schedule of Lease Asse

Leases - Schedule of Lease Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Operating lease ROU assets (other assets)	$ 54,925	$ 54,887
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Operating lease liabilities (other liabilities)	$ 57,737	$ 57,726

Leases - Schedule of Supplement

Leases - Schedule of Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flow from operating leases	$ 6,207	$ 6,143
ROU assets obtained in exchange for lease obligations	$ 5,588	$ 12,866
Weighted average remaining lease term	15 years 7 months 6 days	15 years 10 months 24 days
Weighted average discount rate	3.20%	3.10%

Leases - Schedule of Lease Matu

Leases - Schedule of Lease Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
2023	$ 6,007
2024	5,300
2025	4,975
2026	4,878
2027	4,692
Thereafter	49,294
Total lease payments	75,146
Less amount of lease payments representing interest	17,409
Total present value of lease payments	$ 57,737	$ 57,726

Leases - Narrative (Details)

Leases - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Rental expense	$ 6,878	$ 6,464	$ 6,819

Marketable Securities - Availab

Marketable Securities - Available For Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Amortized cost
Marketable securities available-for-sale, amortized cost	$ 1,431,728	$ 1,565,002
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	105	8,845
Gross unrealized holding losses
Residential mortgage-backed securities, gross unrealized holding losses	(213,725)	(25,255)
Fair value
Securities available-for-sale	1,218,108	1,548,592
U.S. government and agencies
Amortized cost
Due after one year through five years	20,000	20,000
Due after ten years	53,152	57,681
Gross unrealized holding gains
Due after one year through five years	0	0
Due after ten years	0	0
Gross unrealized holding losses
Due after one year through five years	(1,799)	(68)
Due after ten years	(10,761)	(1,722)
Fair value
Due after one year through five years	18,201	19,932
Due after ten years	42,391	55,959
Government sponsored enterprises
Amortized cost
Due in less than one year		177
Due after one year through five years	993	991
Due after five years through ten years	45,814	46,411
Gross unrealized holding gains
Due in less than one year		0
Due after one year through five years	0	73
Due after five years through ten years	0	1
Gross unrealized holding losses
Due in less than one year		0
Due after one year through five years	(49)	0
Due after five years through ten years	(7,557)	(1,568)
Fair value
Due in less than one year		177
Due after one year through five years	944	1,064
Due after five years through ten years	38,257	44,844
Municipal securities
Amortized cost
Due in less than one year	506	946
Due after one year through five years	986	1,261
Due after five years through ten years	36,332	23,692
Due after ten years	89,631	99,558
Gross unrealized holding gains
Due in less than one year	0	13
Due after one year through five years	21	22
Due after five years through ten years	0	661
Due after ten years	8	2,884
Gross unrealized holding losses
Due in less than one year	(1)	0
Due after one year through five years	(13)	(3)
Due after five years through ten years	(2,290)	(146)
Due after ten years	(13,414)	(187)
Fair value
Due in less than one year	505	959
Due after one year through five years	994	1,280
Due after five years through ten years	34,042	24,207
Due after ten years	76,225	102,255
Money market funds
Amortized cost
Due after five years through ten years	13,540
Gross unrealized holding gains
Due after five years through ten years	0
Gross unrealized holding losses
Due after five years through ten years	(562)
Fair value
Due after five years through ten years	12,978
Residential mortgage-backed securities
Amortized cost
Due in less than one year	132
Due after one year through five years	32,192
Due after five years through ten years	46,188
Due after ten years	1,092,262
Marketable securities available-for-sale, amortized cost	1,170,774	1,314,285
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	76	5,191
Gross unrealized holding losses
Residential mortgage-backed securities, gross unrealized holding losses	(177,279)	(21,561)
Fair value
Due in less than one year	130
Due after one year through five years	29,538
Due after five years through ten years	43,438
Due after ten years	920,465
Securities available-for-sale	993,571	1,297,915
Residential mortgage-backed securities | Agency CMOs
Amortized cost
Marketable securities available-for-sale, amortized cost		39,695
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains		224
Gross unrealized holding losses
Residential mortgage-backed securities, gross unrealized holding losses		(62)
Fair value
Securities available-for-sale		39,857
Fixed rate | Pass-through
Amortized cost
Marketable securities available-for-sale, amortized cost	227,122	265,604
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	35	2,389
Gross unrealized holding losses
Residential mortgage-backed securities, gross unrealized holding losses	(31,171)	(2,525)
Fair value
Securities available-for-sale	195,986	265,468
Fixed rate | Agency CMOs
Amortized cost
Marketable securities available-for-sale, amortized cost	906,962	997,680
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	0	2,284
Gross unrealized holding losses
Residential mortgage-backed securities, gross unrealized holding losses	(145,284)	(18,965)
Fair value
Securities available-for-sale	761,678	980,999
Variable rate | Pass-through
Amortized cost
Marketable securities available-for-sale, amortized cost	8,837	11,306
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	10	294
Gross unrealized holding losses
Residential mortgage-backed securities, gross unrealized holding losses	(184)	(9)
Fair value
Securities available-for-sale	8,663	$ 11,591
Variable rate | Agency CMOs
Amortized cost
Marketable securities available-for-sale, amortized cost	27,853
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	31
Gross unrealized holding losses
Residential mortgage-backed securities, gross unrealized holding losses	(640)
Fair value
Securities available-for-sale	$ 27,244

Marketable Securities - Held To

Marketable Securities - Held To Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Amortized cost
Amortized cost	$ 881,249	$ 768,154
Gross unrealized holding gains
Gross unrealized holding gains	0	350
Gross unrealized holding losses
Gross unrealized holding losses	(129,865)	(16,991)
Fair value
Fair value	751,384	751,513
U.S. government sponsored enterprises
Amortized cost
Due after one year through five years	29,478	16,478
Due after five years through ten years	94,977	107,973
Gross unrealized holding gains
Due after one year through five years	0	0
Due after five years through ten years	0	0
Gross unrealized holding losses
Due after one year through five years	(3,676)	(206)
Due after five years through ten years	(18,157)	(4,613)
Fair value
Due after one year through five years	25,802	16,272
Due after five years through ten years	76,820	103,360
Residential mortgage-backed securities
Amortized cost
Due after one year through five years	20,612
Due after five years through ten years	20,250
Amortized cost	756,794	643,703
Gross unrealized holding gains
Gross unrealized holding gains	0	350
Gross unrealized holding losses
Gross unrealized holding losses	(108,032)	(12,172)
Fair value
Due after one year through five years	17,568
Due after five years through ten years	15,879
Fair value	648,762	631,881
Fixed rate | Pass-through
Amortized cost
Amortized cost	163,196	183,092
Gross unrealized holding gains
Gross unrealized holding gains	0	58
Gross unrealized holding losses
Gross unrealized holding losses	(24,684)	(2,161)
Fair value
Fair value	138,512	180,989
Fixed rate | Agency CMOs
Amortized cost
Amortized cost	592,527	459,345
Gross unrealized holding gains
Gross unrealized holding gains	0	251
Gross unrealized holding losses
Gross unrealized holding losses	(83,325)	(10,011)
Fair value
Fair value	509,202	449,585
Variable rate | Pass-through
Amortized cost
Amortized cost	542	667
Gross unrealized holding gains
Gross unrealized holding gains	0	24
Gross unrealized holding losses
Gross unrealized holding losses	(12)	0
Fair value
Fair value	530	691
Variable rate | Agency CMOs
Amortized cost
Amortized cost	529	599
Gross unrealized holding gains
Gross unrealized holding gains	0	17
Gross unrealized holding losses
Gross unrealized holding losses	(11)	0
Fair value
Fair value	$ 518	$ 616

Marketable Securities - Avail_2

Marketable Securities - Available-for-sale, by Contractual Maturity (Details) - Residential mortgage-backed securities $ in Thousands	Dec. 31, 2022 USD ($)
Marketable Securities, Available-for-sale [Line Items]
Due within one year	$ 132
Due after one year through five years	32,192
Due after five years through ten years	46,188
Due after ten years	1,092,262
Total residential mortgage-backed securities	1,170,774
Fair value
Due in less than one year	130
Due after one year through five years	29,538
Due after five years through ten years	43,438
Due after ten years	920,465
Total residential mortgage-backed securities	$ 993,571

Marketable Securities - Held _2

Marketable Securities - Held To Maturity, by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Amortized cost
Amortized cost	$ 881,249	$ 768,154
Residential mortgage-backed securities
Amortized cost
Due after one year through five years	20,612
Due after five years through ten years	20,250
Due after ten years	715,932
Amortized cost	756,794	$ 643,703
Fair value
Due after one year through five years	17,568
Due after five years through ten years	15,879
Due after ten years	615,315
Total residential mortgage-backed securities	$ 648,762

Marketable Securities - Issuers

Marketable Securities - Issuers and the Carrying Values of Mortgage-Backed Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Marketable Securities
Carrying value	$ 241,500
Proceeds from sale of marketable securities available-for-sale	0	$ 59,579	$ 1,096
Realized gains		410	64
Realized losses		396	$ 0
Amounts recognized in allowance for credit losses for marketable securities	0	0
Residential mortgage-backed securities
Marketable Securities
Total residential mortgage-backed securities	1,750,365	1,941,618
FNMA
Marketable Securities
Total residential mortgage-backed securities	651,404	704,070
GNMA
Marketable Securities
Total residential mortgage-backed securities	438,193	577,684
FHLMC
Marketable Securities
Total residential mortgage-backed securities	660,762	659,433
Other (including non-agency)
Marketable Securities
Total residential mortgage-backed securities	$ 6	$ 431

Marketable Securities - Fair Va

Marketable Securities - Fair Value and Gross Unrealized Losses on Marketable Securities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) position	Dec. 31, 2021 USD ($)
Marketable Securities
Less than 12 months - Fair value	$ 448,576	$ 1,586,482
Less than 12 months - Unrealized loss	(27,487)	(30,356)
12 months or more - Fair value	1,509,214	290,549
12 months or more - Unrealized loss	(316,103)	(11,890)
Total - Fair value	1,957,790	1,877,031
Total - Unrealized loss	$ (343,590)	(42,246)
Number of investments that are temporarily impaired | position	647
U.S. government sponsored enterprises
Marketable Securities
Less than 12 months - Fair value	$ 1,735	132,782
Less than 12 months - Unrealized loss	(82)	(3,504)
12 months or more - Fair value	200,679	106,160
12 months or more - Unrealized loss	(41,917)	(4,673)
Total - Fair value	202,414	238,942
Total - Unrealized loss	(41,999)	(8,177)
Municipal securities
Marketable Securities
Less than 12 months - Fair value	60,676	25,118
Less than 12 months - Unrealized loss	(4,047)	(336)
12 months or more - Fair value	44,493	0
12 months or more - Unrealized loss	(11,671)	0
Total - Fair value	105,169	25,118
Total - Unrealized loss	(15,718)	(336)
Residential mortgage-backed securities | Agency CMOs
Marketable Securities
Less than 12 months - Fair value	373,186	1,428,582
Less than 12 months - Unrealized loss	(22,796)	(26,516)
12 months or more - Fair value	1,264,042	184,389
12 months or more - Unrealized loss	(262,515)	(7,217)
Total - Fair value	1,637,228	1,612,971
Total - Unrealized loss	(285,311)	$ (33,733)
Money market funds
Marketable Securities
Less than 12 months - Fair value	12,979
Less than 12 months - Unrealized loss	(562)
12 months or more - Fair value	0
12 months or more - Unrealized loss	0
Total - Fair value	12,979
Total - Unrealized loss	$ (562)

Marketable Securities - Held-to

Marketable Securities - Held-to-Maturity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Marketable Securities, Available-for-sale [Line Items]
Held-to-maturity securities:	$ 881,249	$ 768,154
AA+
Marketable Securities, Available-for-sale [Line Items]
Held-to-maturity securities:	881,249
Residential mortgage-backed securities
Marketable Securities, Available-for-sale [Line Items]
Held-to-maturity securities:	756,794	$ 643,703
Residential mortgage-backed securities | AA+
Marketable Securities, Available-for-sale [Line Items]
Held-to-maturity securities:	756,794
U.S. government sponsored enterprises | AA+
Marketable Securities, Available-for-sale [Line Items]
Held-to-maturity securities:	$ 124,455

Loans Receivable - Summary of O

Loans Receivable - Summary of Originated and Acquired Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Allowance for loan losses
Total loans receivable, gross	$ 10,920,452	$ 10,016,392
Allowance for credit losses	(118,036)	(102,241)	$ (134,427)	$ (57,941)
Total loans receivable, net	10,802,416	9,914,151
Loans held-for-sale	9,913	25,056
Unearned income, unamortized premiums and discounts and deferred fees and costs	76,100	62,800
Personal Banking:
Allowance for loan losses
Total loans receivable, gross	6,964,928	6,153,299
Allowance for credit losses	(48,887)	(31,040)	(30,954)	(18,356)
Personal Banking: | Residential mortgage loans
Allowance for loan losses
Total loans receivable, gross	3,498,599	2,994,620
Allowance for credit losses	(19,261)	(7,373)	(7,266)	(2,574)
Loans held-for-sale	9,900	25,100
Personal Banking: | Home equity loans
Allowance for loan losses
Total loans receivable, gross	1,297,674	1,319,931
Allowance for credit losses	(5,902)	(5,300)	(5,992)	(3,189)
Personal Banking: | Vehicle loans
Allowance for loan losses
Total loans receivable, gross	2,056,783	1,484,231
Allowance for credit losses	(23,059)	(15,483)	(14,825)	(7,292)
Personal Banking: | Consumer loans
Allowance for loan losses
Total loans receivable, gross	111,872	354,517
Allowance for credit losses	(665)	(2,884)	(2,871)	(5,301)
Commercial Banking:
Allowance for loan losses
Total loans receivable, gross	3,955,524	3,863,093
Allowance for credit losses	(69,149)	(71,201)	(103,473)	(39,585)
Commercial Banking: | Commercial real estate loans
Allowance for loan losses
Total loans receivable, gross	2,448,028	2,625,481
Allowance for credit losses	(44,506)	(54,141)	(79,381)	(15,843)
Commercial Banking: | Commercial real estate loans - owner occupied
Allowance for loan losses
Total loans receivable, gross	375,527	390,003
Allowance for credit losses	(4,004)	(3,883)	(10,518)	(5,745)
Commercial Banking: | Commercial loans
Allowance for loan losses
Total loans receivable, gross	1,131,969	847,609
Allowance for credit losses	(20,639)	(13,177)	$ (13,574)	$ (17,997)
Originated
Allowance for loan losses
Total loans receivable, gross	10,089,414	8,872,025
Allowance for credit losses	(107,379)	(86,750)
Total loans receivable, net	9,982,035	8,785,275
Originated | Personal Banking:
Allowance for loan losses
Total loans receivable, gross	6,529,189	5,582,868
Originated | Personal Banking: | Residential mortgage loans
Allowance for loan losses
Total loans receivable, gross	3,327,879	2,783,459
Originated | Personal Banking: | Home equity loans
Allowance for loan losses
Total loans receivable, gross	1,131,641	1,107,202
Originated | Personal Banking: | Vehicle loans
Allowance for loan losses
Total loans receivable, gross	1,965,385	1,384,246
Originated | Personal Banking: | Consumer loans
Allowance for loan losses
Total loans receivable, gross	104,284	307,961
Originated | Commercial Banking:
Allowance for loan losses
Total loans receivable, gross	3,560,225	3,289,157
Originated | Commercial Banking: | Commercial real estate loans
Allowance for loan losses
Total loans receivable, gross	2,135,607	2,202,027
Originated | Commercial Banking: | Commercial real estate loans - owner occupied
Allowance for loan losses
Total loans receivable, gross	341,704	321,253
Originated | Commercial Banking: | Commercial loans
Allowance for loan losses
Total loans receivable, gross	1,082,914	765,877
Acquired
Allowance for loan losses
Total loans receivable, gross	831,038	1,144,367
Allowance for credit losses	(10,657)	(15,491)
Total loans receivable, net	820,381	1,128,876
Acquired | Personal Banking:
Allowance for loan losses
Total loans receivable, gross	435,739	570,431
Acquired | Personal Banking: | Residential mortgage loans
Allowance for loan losses
Total loans receivable, gross	170,720	211,161
Acquired | Personal Banking: | Home equity loans
Allowance for loan losses
Total loans receivable, gross	166,033	212,729
Acquired | Personal Banking: | Vehicle loans
Allowance for loan losses
Total loans receivable, gross	91,398	99,985
Acquired | Personal Banking: | Consumer loans
Allowance for loan losses
Total loans receivable, gross	7,588	46,556
Acquired | Commercial Banking:
Allowance for loan losses
Total loans receivable, gross	395,299	573,936
Acquired | Commercial Banking: | Commercial real estate loans
Allowance for loan losses
Total loans receivable, gross	312,421	423,454
Acquired | Commercial Banking: | Commercial real estate loans - owner occupied
Allowance for loan losses
Total loans receivable, gross	33,823	68,750
Acquired | Commercial Banking: | Commercial loans
Allowance for loan losses
Total loans receivable, gross	$ 49,055	$ 81,732

Loans Receivable - Narrative (D

Loans Receivable - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) contract	Dec. 31, 2021 USD ($) contract	Dec. 31, 2020 USD ($) contract
Credit quality indicators
Serviced loans for others	$ 1,549,000	$ 1,622,000
Percentage of loan portfolio secured by properties located in Pennsylvania		41%
Adjustable rate loans	3,333,000	$ 3,277,000
Fixed rate loans	7,511,000	6,739,000
Allowance for loan and lease losses			$ 50,000
Gain on sale of loans	0	0	$ 1,302
Interest income on nonaccrual and troubled debt restructuring loans	$ 678	$ 803
Number of contracts | contract	0	1	0
Total loans receivable, gross	$ 10,920,452	$ 10,016,392
Revolving loans converted to term loans during the period	20,700	27,300
Small Business Equipment Finance Loan
Credit quality indicators
Purchase of total loan	182,800
One to Four Family Jumbo Mortgage Loan
Credit quality indicators
Purchase of total loan	188,300
Private Label Credit Card Facilities
Credit quality indicators
Credit limit	5,000
Private Label Credit Card Facilities | Credit Cards Issued
Credit quality indicators
Credit limit	777
Outstanding balance	110
Loans commitments
Credit quality indicators
Outstanding loan commitments for fixed rate loans	81,400
Outstanding loan commitments for adjustable rate loans	167,200
Standby letters of credit
Credit quality indicators
Maximum potential amount of future payments	45,100
Maximum potential amount of future payments fully collateralized	31,300
Liability recognized for the obligations	792,000	$ 500,000
Minimum | Special mention or substandard
Credit quality indicators
Total loans receivable, gross	$ 1,000

Loans Receivable - Changes in t

Loans Receivable - Changes in the Allowance for Losses on Loans Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Changes in allowance for losses on allocated loans receivable
Beginning balance	$ 102,241	$ 134,427	$ 57,941
Current period provision	17,860	(11,883)	83,975
Charge-offs	(20,931)	(34,137)	(34,718)
Recoveries	18,866	13,834	7,592
Initial ACL on loans purchased with credit deterioration			8,845
Ending balance	118,036	102,241	134,427
Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			10,792
Initial ACL on loans purchased with credit deterioration			517
Personal Banking:
Changes in allowance for losses on allocated loans receivable
Beginning balance	31,040	30,954	18,356
Current period provision	23,545	10,456	8,896
Charge-offs	(11,908)	(17,101)	(14,183)
Recoveries	6,210	6,731	4,537
Initial ACL on loans purchased with credit deterioration			1,703
Ending balance	48,887	31,040	30,954
Personal Banking: | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			11,645
Personal Banking: | Residential mortgage loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	7,373	7,266	2,574
Current period provision	13,129	2,844	(3,289)
Charge-offs	(2,033)	(3,672)	(917)
Recoveries	792	935	362
Initial ACL on loans purchased with credit deterioration			1,095
Ending balance	19,261	7,373	7,266
Personal Banking: | Residential mortgage loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			7,441
Personal Banking: | Home equity loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	5,300	5,992	3,189
Current period provision	540	1,788	(3,357)
Charge-offs	(1,469)	(3,380)	(608)
Recoveries	1,531	900	766
Initial ACL on loans purchased with credit deterioration			216
Ending balance	5,902	5,300	5,992
Personal Banking: | Home equity loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			5,786
Personal Banking: | Vehicle loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	15,483	14,825	7,292
Current period provision	8,863	2,754	11,416
Charge-offs	(3,621)	(4,632)	(6,827)
Recoveries	2,334	2,536	1,867
Initial ACL on loans purchased with credit deterioration			235
Ending balance	23,059	15,483	14,825
Personal Banking: | Vehicle loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			842
Personal Banking: | Consumer loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	2,884	2,871	5,301
Current period provision	1,013	3,070	4,126
Charge-offs	(4,785)	(5,417)	(5,831)
Recoveries	1,553	2,360	1,542
Initial ACL on loans purchased with credit deterioration			157
Ending balance	665	2,884	2,871
Personal Banking: | Consumer loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			(2,424)
Commercial Banking:
Changes in allowance for losses on allocated loans receivable
Beginning balance	71,201	103,473	39,585
Current period provision	(5,685)	(22,339)	75,079
Charge-offs	(9,023)	(17,036)	(20,535)
Recoveries	12,656	7,103	3,055
Initial ACL on loans purchased with credit deterioration			7,142
Ending balance	69,149	71,201	103,473
Commercial Banking: | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			(853)
Commercial Banking: | Commercial real estate loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	54,141	79,381	15,843
Current period provision	(12,633)	(15,496)	58,483
Charge-offs	(7,366)	(11,933)	(4,240)
Recoveries	10,364	2,189	1,287
Initial ACL on loans purchased with credit deterioration			5,720
Ending balance	44,506	54,141	79,381
Commercial Banking: | Commercial real estate loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			2,288
Commercial Banking: | Commercial real estate loans - owner occupied
Changes in allowance for losses on allocated loans receivable
Beginning balance	3,883	10,518	5,745
Current period provision	36	(5,852)	2,588
Charge-offs	0	(890)	(83)
Recoveries	85	107	27
Initial ACL on loans purchased with credit deterioration			963
Ending balance	4,004	3,883	10,518
Commercial Banking: | Commercial real estate loans - owner occupied | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			1,278
Commercial Banking: | Commercial loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	13,177	13,574	17,997
Current period provision	6,912	(991)	14,008
Charge-offs	(1,657)	(4,213)	(16,212)
Recoveries	2,207	4,807	1,741
Initial ACL on loans purchased with credit deterioration			459
Ending balance	20,639	13,177	13,574
Commercial Banking: | Commercial loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			(4,419)
Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	2,458	6,363	974
Current period provision	8,577	(3,905)	3,139
Charge-offs	0	0	0
Recoveries	0	0	0
Initial ACL on loans purchased with credit deterioration			0
Ending balance	11,035	2,458	6,363
Off-Balance Sheet Exposure | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			2,250
Off-Balance Sheet Exposure | Personal Banking:
Changes in allowance for losses on allocated loans receivable
Beginning balance	41	37	725
Current period provision	37	4	7
Charge-offs	0	0	0
Recoveries	0	0	0
Initial ACL on loans purchased with credit deterioration			0
Ending balance	78	41	37
Off-Balance Sheet Exposure | Personal Banking: | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			(695)
Off-Balance Sheet Exposure | Personal Banking: | Residential mortgage loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	2	2	0
Current period provision	2	0	2
Charge-offs	0	0	0
Recoveries	0	0	0
Initial ACL on loans purchased with credit deterioration			0
Ending balance	4	2	2
Off-Balance Sheet Exposure | Personal Banking: | Residential mortgage loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			0
Off-Balance Sheet Exposure | Personal Banking: | Home equity loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	39	35	323
Current period provision	35	4	5
Charge-offs	0	0	0
Recoveries	0	0	0
Initial ACL on loans purchased with credit deterioration			0
Ending balance	74	39	35
Off-Balance Sheet Exposure | Personal Banking: | Home equity loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			(293)
Off-Balance Sheet Exposure | Personal Banking: | Commercial loans
Changes in allowance for losses on allocated loans receivable
Beginning balance		0	402
Current period provision			0
Charge-offs			0
Recoveries			0
Initial ACL on loans purchased with credit deterioration			0
Ending balance			0
Off-Balance Sheet Exposure | Personal Banking: | Commercial loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			(402)
Off-Balance Sheet Exposure | Commercial Banking:
Changes in allowance for losses on allocated loans receivable
Beginning balance	2,417	6,326	249
Current period provision	8,540	(3,909)	3,132
Charge-offs	0	0	0
Recoveries	0	0	0
Initial ACL on loans purchased with credit deterioration			0
Ending balance	10,957	2,417	6,326
Off-Balance Sheet Exposure | Commercial Banking: | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			2,945
Off-Balance Sheet Exposure | Commercial Banking: | Commercial real estate loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	881	3,449	77
Current period provision	4,501	(2,568)	1,438
Charge-offs	0	0	0
Recoveries	0	0	0
Initial ACL on loans purchased with credit deterioration			0
Ending balance	5,382	881	3,449
Off-Balance Sheet Exposure | Commercial Banking: | Commercial real estate loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			1,934
Off-Balance Sheet Exposure | Commercial Banking: | Commercial real estate loans - owner occupied
Changes in allowance for losses on allocated loans receivable
Beginning balance	142	326	3
Current period provision	145	(184)	235
Charge-offs	0	0	0
Recoveries	0	0	0
Initial ACL on loans purchased with credit deterioration			0
Ending balance	287	142	326
Off-Balance Sheet Exposure | Commercial Banking: | Commercial real estate loans - owner occupied | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			88
Off-Balance Sheet Exposure | Commercial Banking: | Commercial loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	1,394	2,551	169
Current period provision	3,894	(1,157)	1,459
Charge-offs	0	0	0
Recoveries	0	0	0
Initial ACL on loans purchased with credit deterioration			0
Ending balance	$ 5,288	$ 1,394	2,551
Off-Balance Sheet Exposure | Commercial Banking: | Commercial loans | Cumulative Effect, Period of Adoption, Adjustment
Changes in allowance for losses on allocated loans receivable
Beginning balance			$ 923

Loans Receivable - Loan Portfol

Loans Receivable - Loan Portfolio by Portfolio Segment and by Class of Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	$ 10,920,452	$ 10,016,392
Allowance for credit losses	118,036	102,241	$ 134,427	$ 57,941
Nonaccrual loans	81,236	158,471	102,832
Loans 90 days past due and accruing	744	331
TDRs	40,681	30,288
Allowance related to TDRs	2,400	4,817
Additional commitments to customers with loans classified as TDRs	404	460
Nonaccrual TDRs	29,239	17,216
Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	6,964,928	6,153,299
Allowance for credit losses	48,887	31,040	30,954	18,356
Nonaccrual loans	15,746	20,098	31,611
Loans 90 days past due and accruing	407	331
TDRs	7,749	8,530
Allowance related to TDRs	1,615	2,160
Additional commitments to customers with loans classified as TDRs	0	0
Personal Banking: | Residential mortgage loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	3,498,599	2,994,620
Allowance for credit losses	19,261	7,373	7,266	2,574
Nonaccrual loans	7,574	10,402	15,924
Loans 90 days past due and accruing	0	0
TDRs	6,279	6,749
Allowance related to TDRs	1,069	1,442
Additional commitments to customers with loans classified as TDRs	0	0
Personal Banking: | Home equity loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	1,297,674	1,319,931
Allowance for credit losses	5,902	5,300	5,992	3,189
Nonaccrual loans	4,145	5,758	9,123
Loans 90 days past due and accruing	0	0
TDRs	1,470	1,781
Allowance related to TDRs	546	718
Additional commitments to customers with loans classified as TDRs	0	0
Personal Banking: | Vehicle loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	2,056,783	1,484,231
Allowance for credit losses	23,059	15,483	14,825	7,292
Nonaccrual loans	3,771	3,263	5,533
Loans 90 days past due and accruing	2	0
TDRs	0	0
Allowance related to TDRs	0	0
Additional commitments to customers with loans classified as TDRs	0	0
Personal Banking: | Consumer loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	111,872	354,517
Allowance for credit losses	665	2,884	2,871	5,301
Nonaccrual loans	256	675	1,031
Loans 90 days past due and accruing	405	331
TDRs	0	0
Allowance related to TDRs	0	0
Additional commitments to customers with loans classified as TDRs	0	0
Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	3,955,524	3,863,093
Allowance for credit losses	69,149	71,201	103,473	39,585
Nonaccrual loans	65,490	138,373	71,221
Loans 90 days past due and accruing	337	0
TDRs	32,932	21,758
Allowance related to TDRs	785	2,657
Additional commitments to customers with loans classified as TDRs	404	460
Commercial Banking: | Commercial real estate loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	2,448,028	2,625,481
Allowance for credit losses	44,506	54,141	79,381	15,843
Nonaccrual loans	62,239	129,666	44,092
Loans 90 days past due and accruing	0	0
TDRs	31,980	17,025
Allowance related to TDRs	638	2,024
Additional commitments to customers with loans classified as TDRs	400	400
Commercial Banking: | Commercial real estate loans - owner occupied
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	375,527	390,003
Allowance for credit losses	4,004	3,883	10,518	5,745
Nonaccrual loans	624	1,233	3,642
Loans 90 days past due and accruing	0	0
TDRs	94	159
Allowance related to TDRs	31	24
Additional commitments to customers with loans classified as TDRs	0	0
Commercial Banking: | Commercial loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable, gross	1,131,969	847,609
Allowance for credit losses	20,639	13,177	13,574	$ 17,997
Nonaccrual loans	2,627	7,474	$ 23,487
Loans 90 days past due and accruing	337	0
TDRs	858	4,574
Allowance related to TDRs	116	609
Additional commitments to customers with loans classified as TDRs	$ 4	$ 60

Loans Receivable - Composition

Loans Receivable - Composition of Impaired Loans by Portfolio Segment and Class of Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	$ 38,722	$ 90,581
Nonaccrual loans with no allowance	42,514	67,890
Loans 90 days past due and accruing	744	331
Amortized cost basis of collateral-dependent loans	58,110	128,108
Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	13,892	19,878
Nonaccrual loans with no allowance	1,854	220
Loans 90 days past due and accruing	407	331
Amortized cost basis of collateral-dependent loans	669	679
Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	24,830	70,703
Nonaccrual loans with no allowance	40,660	67,670
Loans 90 days past due and accruing	337	0
Amortized cost basis of collateral-dependent loans	57,441	127,429
Residential mortgage loans | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	7,574	10,402
Nonaccrual loans with no allowance	0	0
Loans 90 days past due and accruing	0	0
Amortized cost basis of collateral-dependent loans	569	580
Home equity loans | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	3,887	5,551
Nonaccrual loans with no allowance	258	207
Loans 90 days past due and accruing	0	0
Amortized cost basis of collateral-dependent loans	100	99
Vehicle loans | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	2,175	3,251
Nonaccrual loans with no allowance	1,596	12
Loans 90 days past due and accruing	2	0
Consumer loans | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	256	674
Nonaccrual loans with no allowance	0	1
Loans 90 days past due and accruing	405	331
Commercial real estate loans | Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	22,182	65,529
Nonaccrual loans with no allowance	40,057	64,137
Loans 90 days past due and accruing	0	0
Amortized cost basis of collateral-dependent loans	57,056	121,530
Commercial real estate loans - owner occupied | Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	624	1,233
Nonaccrual loans with no allowance	0	0
Loans 90 days past due and accruing	0	0
Commercial loans | Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans	2,024	3,941
Nonaccrual loans with no allowance	603	3,533
Loans 90 days past due and accruing	337	0
Amortized cost basis of collateral-dependent loans	385	5,899
Real estate
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	57,900	124,477
Real estate | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	669	679
Real estate | Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	57,231	123,798
Real estate | Residential mortgage loans | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	569	580
Real estate | Home equity loans | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	100	99
Real estate | Commercial real estate loans | Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	57,056	119,825
Real estate | Commercial loans | Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	175	3,973
Equipment
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	210	3,631
Equipment | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	0	0
Equipment | Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	210	3,631
Equipment | Residential mortgage loans | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	0	0
Equipment | Home equity loans | Personal Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	0	0
Equipment | Commercial real estate loans | Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	0	1,705
Equipment | Commercial loans | Commercial Banking:
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	$ 210	$ 1,926

Loans Receivable - Roll Forward

Loans Receivable - Roll Forward of Troubled Debt Restructurings (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) contract	Dec. 31, 2021 USD ($) contract	Dec. 31, 2020 USD ($) contract
Number of contract
Beginning balance | contract	134	170
Number of contracts new TDRs | contract	14	9
Number of re-modified TDRs | contract	11	9	5
Number of contracts net paydowns	0	0
Ending balance | contract	123	134	170
Roll forward of troubled debt restructurings
Beginning TDR balance:	$ 30,288,000	$ 32,135,000
New TDRs	30,894,000	7,253,000
Re-modified TDRs	8,391,000	7,370,000
Net paydowns	(11,870,000)	(3,420,000)
Ending TDR balance:	40,681,000	30,288,000	$ 32,135,000
Accruing TDRs	11,442,000	13,072,000
Nonaccrual TDRs	$ 29,239,000	$ 17,216,000
Residential mortgage loans
Number of contract
Number of contracts charged off | contract	2	0
Number of contracts paid off | contract	4	10
Roll forward of troubled debt restructurings
Amount of contracts charged off	$ (63,000)	$ 0
Amount of contracts paid off	$ (361,000)	$ (1,216,000)
Home equity loans
Number of contract
Number of contracts charged off | contract	0	1
Number of contracts paid off | contract	3	6
Roll forward of troubled debt restructurings
Amount of contracts charged off	$ 0	$ (29,000)
Amount of contracts paid off	$ (89,000)	$ (147,000)
Commercial real estate loans
Number of contract
Number of contracts charged off | contract	1	2
Number of contracts paid off | contract	6	11
Roll forward of troubled debt restructurings
Amount of contracts charged off	$ (150,000)	$ (53,000)
Amount of contracts paid off	$ (4,324,000)	$ (3,064,000)
Commercial real estate loans - owner occupied
Number of contract
Number of contracts charged off | contract	0	1
Number of contracts paid off | contract	1	3
Roll forward of troubled debt restructurings
Amount of contracts charged off	$ 0	$ (105,000)
Amount of contracts paid off	$ (44,000)	$ (198,000)
Commercial loans
Number of contract
Number of contracts charged off | contract	1	6
Number of contracts paid off | contract	7	5
Roll forward of troubled debt restructurings
Amount of contracts charged off	$ (130,000)	$ (170,000)
Amount of contracts paid off	$ (3,470,000)	$ (698,000)

Loans Receivable - Troubled Deb

Loans Receivable - Troubled Debt Restructuring (Including Re-Modified TDRs) by Portfolio Segment and by Class of Financing Receivable (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) contract	Dec. 31, 2021 USD ($) contract	Dec. 31, 2020 USD ($) contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	25	18	18
Recorded investment at the time of modification	$ 39,285	$ 16,433	$ 10,543
Current recorded investment	21,910	14,623	8,238
Current allowance	$ 165	$ 1,953	$ 373
Personal Banking:
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	10	4	3
Recorded investment at the time of modification	$ 713	$ 280	$ 176
Current recorded investment	693	148	167
Current allowance	$ 79	$ 49	$ 14
Personal Banking: | Residential mortgage loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	4	1	1
Recorded investment at the time of modification	$ 530	$ 125	$ 90
Current recorded investment	522	114	88
Current allowance	$ 37	$ 15	$ 5
Personal Banking: | Home equity loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	6	3	2
Recorded investment at the time of modification	$ 183	$ 155	$ 86
Current recorded investment	171	34	79
Current allowance	$ 42	$ 34	$ 9
Commercial Banking:
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	15	14	15
Recorded investment at the time of modification	$ 38,572	$ 16,153	$ 10,367
Current recorded investment	21,217	14,475	8,071
Current allowance	$ 86	$ 1,904	$ 359
Commercial Banking: | Commercial real estate loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	9	8	9
Recorded investment at the time of modification	$ 34,716	$ 12,006	$ 7,365
Current recorded investment	20,954	10,572	7,615
Current allowance	$ 66	$ 1,453	$ 311
Commercial Banking: | Commercial real estate loans - owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract			1
Recorded investment at the time of modification			$ 58
Current recorded investment			48
Current allowance			$ 8
Commercial Banking: | Commercial loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of contracts | contract	6	6	5
Recorded investment at the time of modification	$ 3,856	$ 4,147	$ 2,944
Current recorded investment	263	3,903	408
Current allowance	$ 20	$ 451	$ 40

Loans Receivable - Troubled D_2

Loans Receivable - Troubled Debt Restructurings by Type of Modification (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) contract	Dec. 31, 2021 USD ($) contract	Dec. 31, 2020 USD ($) contract
Troubled debt restructurings
Number of contracts | contract	25	18	18
Type of modification	$ 21,910	$ 14,623	$ 8,238
Number of re-modified TDRs | contract	11	9	5
Type of re-modification	$ 588	$ 7,370	$ 6,780
Number of contracts | contract	0	1	0
Recorded investment at the time of modification		$ 4,167
Current recorded investment		3,823
Current allowance		0
Rate
Troubled debt restructurings
Type of modification	$ 129	2,362	$ 65
Type of re-modification		2,191
Payment
Troubled debt restructurings
Type of modification	500	30	111
Type of re-modification	53
Maturity date
Troubled debt restructurings
Type of modification	21,281	12,160	7,702
Type of re-modification	$ 535	5,108	6,700
Other
Troubled debt restructurings
Type of modification		71	360
Type of re-modification		$ 71	$ 80
Personal Banking:
Troubled debt restructurings
Number of contracts | contract	10	4	3
Type of modification	$ 693	$ 148	$ 167
Number of re-modified TDRs | contract	2	2
Type of re-modification	$ 129	$ 114
Personal Banking: | Rate
Troubled debt restructurings
Type of modification	0	114	65
Type of re-modification		114
Personal Banking: | Payment
Troubled debt restructurings
Type of modification	402	30	0
Type of re-modification	0
Personal Banking: | Maturity date
Troubled debt restructurings
Type of modification	291	4	102
Type of re-modification	$ 129	0
Personal Banking: | Other
Troubled debt restructurings
Type of modification		0	$ 0
Type of re-modification		$ 0
Personal Banking: | Residential mortgage loans
Troubled debt restructurings
Number of contracts | contract	4	1	1
Type of modification	$ 522	$ 114	$ 88
Number of re-modified TDRs | contract	1	1
Type of re-modification	$ 129	$ 114
Personal Banking: | Residential mortgage loans | Rate
Troubled debt restructurings
Type of modification	0	114	0
Type of re-modification		114
Personal Banking: | Residential mortgage loans | Payment
Troubled debt restructurings
Type of modification	379	0	0
Type of re-modification	0
Personal Banking: | Residential mortgage loans | Maturity date
Troubled debt restructurings
Type of modification	143	0	88
Type of re-modification	$ 129	0
Personal Banking: | Residential mortgage loans | Other
Troubled debt restructurings
Type of modification		0	$ 0
Type of re-modification		$ 0
Personal Banking: | Home equity loans
Troubled debt restructurings
Number of contracts | contract	6	3	2
Type of modification	$ 171	$ 34	$ 79
Number of re-modified TDRs | contract	1	1
Type of re-modification	$ 0	$ 0
Personal Banking: | Home equity loans | Rate
Troubled debt restructurings
Type of modification	0	0	65
Type of re-modification		0
Personal Banking: | Home equity loans | Payment
Troubled debt restructurings
Type of modification	23	30	0
Type of re-modification	0
Personal Banking: | Home equity loans | Maturity date
Troubled debt restructurings
Type of modification	148	4	14
Type of re-modification	$ 0	0
Personal Banking: | Home equity loans | Other
Troubled debt restructurings
Type of modification		0	$ 0
Type of re-modification		$ 0
Commercial Banking:
Troubled debt restructurings
Number of contracts | contract	15	14	15
Type of modification	$ 21,217	$ 14,475	$ 8,071
Number of re-modified TDRs | contract	9	7	5
Type of re-modification	$ 459	$ 7,256	$ 6,780
Number of contracts | contract		1
Recorded investment at the time of modification		$ 4,167
Current recorded investment		3,823
Current allowance		0
Commercial Banking: | Rate
Troubled debt restructurings
Type of modification	129	2,248	0
Type of re-modification		2,077
Commercial Banking: | Payment
Troubled debt restructurings
Type of modification	98	0	111
Type of re-modification	53
Commercial Banking: | Maturity date
Troubled debt restructurings
Type of modification	20,990	12,156	7,600
Type of re-modification	$ 406	5,108	6,700
Commercial Banking: | Other
Troubled debt restructurings
Type of modification		71	360
Type of re-modification		$ 71	$ 80
Commercial Banking: | Commercial real estate loans
Troubled debt restructurings
Number of contracts | contract	9	8	9
Type of modification	$ 20,954	$ 10,572	$ 7,615
Number of re-modified TDRs | contract	4	7	3
Type of re-modification	$ 249	$ 7,256	$ 6,652
Number of contracts | contract		1
Recorded investment at the time of modification		$ 4,167
Current recorded investment		3,823
Current allowance		0
Commercial Banking: | Commercial real estate loans | Rate
Troubled debt restructurings
Type of modification	129	2,077	0
Type of re-modification		2,077
Commercial Banking: | Commercial real estate loans | Payment
Troubled debt restructurings
Type of modification	98	0	0
Type of re-modification	53
Commercial Banking: | Commercial real estate loans | Maturity date
Troubled debt restructurings
Type of modification	20,727	8,424	7,335
Type of re-modification	$ 196	5,108	6,652
Commercial Banking: | Commercial real estate loans | Other
Troubled debt restructurings
Type of modification		71	280
Type of re-modification		$ 71	$ 0
Commercial Banking: | Commercial real estate loans - owner occupied
Troubled debt restructurings
Number of contracts | contract			1
Type of modification			$ 48
Number of re-modified TDRs | contract			1
Type of re-modification			$ 48
Commercial Banking: | Commercial real estate loans - owner occupied | Rate
Troubled debt restructurings
Type of modification			0
Commercial Banking: | Commercial real estate loans - owner occupied | Payment
Troubled debt restructurings
Type of modification			0
Commercial Banking: | Commercial real estate loans - owner occupied | Maturity date
Troubled debt restructurings
Type of modification			48
Type of re-modification			48
Commercial Banking: | Commercial real estate loans - owner occupied | Other
Troubled debt restructurings
Type of modification			0
Type of re-modification			$ 0
Commercial Banking: | Commercial loans
Troubled debt restructurings
Number of contracts | contract	6	6	5
Type of modification	$ 263	$ 3,903	$ 408
Number of re-modified TDRs | contract	5		1
Type of re-modification	$ 210		$ 80
Commercial Banking: | Commercial loans | Rate
Troubled debt restructurings
Type of modification	0	171	0
Commercial Banking: | Commercial loans | Payment
Troubled debt restructurings
Type of modification	0	0	111
Type of re-modification	0
Commercial Banking: | Commercial loans | Maturity date
Troubled debt restructurings
Type of modification	263	3,732	217
Type of re-modification	$ 210		0
Commercial Banking: | Commercial loans | Other
Troubled debt restructurings
Type of modification		$ 0	80
Type of re-modification			$ 80

Loans Receivable - Loan Delinqu

Loans Receivable - Loan Delinquencies (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loan payment delinquencies
Total loans receivable	$ 10,920,452
90 days or greater delinquent and accruing	744	$ 331
Total delinquency
Loan payment delinquencies
Total loans receivable	85,941
30-59 days delinquent
Loan payment delinquencies
Total loans receivable	52,235
60-89 days delinquent
Loan payment delinquencies
Total loans receivable	13,100
90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	20,606
Current
Loan payment delinquencies
Total loans receivable	10,834,511
Personal Banking:
Loan payment delinquencies
Total loans receivable	6,964,928
90 days or greater delinquent and accruing	407	331
Personal Banking: | Total delinquency
Loan payment delinquencies
Total loans receivable	66,097
Personal Banking: | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	45,579
Personal Banking: | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	9,608
Personal Banking: | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	10,910
Personal Banking: | Current
Loan payment delinquencies
Total loans receivable	6,898,831
Personal Banking: | Residential mortgage loans
Loan payment delinquencies
Total loans receivable	3,498,599
90 days or greater delinquent and accruing	0	0
Personal Banking: | Residential mortgage loans | Total delinquency
Loan payment delinquencies
Total loans receivable	40,624
Personal Banking: | Residential mortgage loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	29,487
Personal Banking: | Residential mortgage loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	5,563
Personal Banking: | Residential mortgage loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	5,574
Personal Banking: | Residential mortgage loans | Current
Loan payment delinquencies
Total loans receivable	3,457,975
Personal Banking: | Home equity loans
Loan payment delinquencies
Total loans receivable	1,297,674
90 days or greater delinquent and accruing	0	0
Personal Banking: | Home equity loans | Total delinquency
Loan payment delinquencies
Total loans receivable	9,889
Personal Banking: | Home equity loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	6,657
Personal Banking: | Home equity loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	975
Personal Banking: | Home equity loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	2,257
Personal Banking: | Home equity loans | Current
Loan payment delinquencies
Total loans receivable	1,287,785
Personal Banking: | Vehicle loans
Loan payment delinquencies
Total loans receivable	2,056,783	1,484,231
90 days or greater delinquent and accruing	2	0
Personal Banking: | Vehicle loans | Total delinquency
Loan payment delinquencies
Total loans receivable	13,918	8,453
Personal Banking: | Vehicle loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	8,677	5,331
Personal Banking: | Vehicle loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	2,770	1,487
Personal Banking: | Vehicle loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	2,471	1,635
Personal Banking: | Vehicle loans | Current
Loan payment delinquencies
Total loans receivable	2,042,865	1,475,778
Personal Banking: | Consumer loans
Loan payment delinquencies
Total loans receivable	111,872
90 days or greater delinquent and accruing	405	331
Personal Banking: | Consumer loans | Total delinquency
Loan payment delinquencies
Total loans receivable	1,666
Personal Banking: | Consumer loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	758
Personal Banking: | Consumer loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	300
Personal Banking: | Consumer loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	608
Personal Banking: | Consumer loans | Current
Loan payment delinquencies
Total loans receivable	110,206
Commercial Banking:
Loan payment delinquencies
Total loans receivable	3,955,524
90 days or greater delinquent and accruing	337	0
Commercial Banking: | Total delinquency
Loan payment delinquencies
Total loans receivable	19,844
Commercial Banking: | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	6,656
Commercial Banking: | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	3,492
Commercial Banking: | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	9,696
Commercial Banking: | Current
Loan payment delinquencies
Total loans receivable	3,935,680
Commercial Banking: | Commercial real estate loans
Loan payment delinquencies
Total loans receivable	2,448,028
90 days or greater delinquent and accruing	0	0
Commercial Banking: | Commercial real estate loans | Total delinquency
Loan payment delinquencies
Total loans receivable	13,913
Commercial Banking: | Commercial real estate loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	3,947
Commercial Banking: | Commercial real estate loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	2,377
Commercial Banking: | Commercial real estate loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	7,589
Commercial Banking: | Commercial real estate loans | Current
Loan payment delinquencies
Total loans receivable	2,434,115
Commercial Banking: | Commercial real estate loans - owner occupied
Loan payment delinquencies
Total loans receivable	375,527	390,003
90 days or greater delinquent and accruing	0	0
Commercial Banking: | Commercial real estate loans - owner occupied | Total delinquency
Loan payment delinquencies
Total loans receivable	339	771
Commercial Banking: | Commercial real estate loans - owner occupied | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	61	127
Commercial Banking: | Commercial real estate loans - owner occupied | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	0	70
Commercial Banking: | Commercial real estate loans - owner occupied | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	278	574
Commercial Banking: | Commercial real estate loans - owner occupied | Current
Loan payment delinquencies
Total loans receivable	375,188	389,232
Commercial Banking: | Commercial loans
Loan payment delinquencies
Total loans receivable	1,131,969
90 days or greater delinquent and accruing	337	0
Commercial Banking: | Commercial loans | Total delinquency
Loan payment delinquencies
Total loans receivable	5,592
Commercial Banking: | Commercial loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	2,648
Commercial Banking: | Commercial loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	1,115
Commercial Banking: | Commercial loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	1,829
Commercial Banking: | Commercial loans | Current
Loan payment delinquencies
Total loans receivable	$ 1,126,377
Originated
Loan payment delinquencies
Total loans receivable		10,016,392
90 days or greater delinquent and accruing		331
Originated | Total delinquency
Loan payment delinquencies
Total loans receivable		96,869
Originated | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable		47,514
Originated | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable		9,884
Originated | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable		39,471
Originated | Current
Loan payment delinquencies
Total loans receivable		9,919,523
Originated | Personal Banking:
Loan payment delinquencies
Total loans receivable		6,153,299
90 days or greater delinquent and accruing		331
Originated | Personal Banking: | Total delinquency
Loan payment delinquencies
Total loans receivable		52,947
Originated | Personal Banking: | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable		30,256
Originated | Personal Banking: | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable		8,388
Originated | Personal Banking: | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable		14,303
Originated | Personal Banking: | Current
Loan payment delinquencies
Total loans receivable		6,100,352
Originated | Personal Banking: | Residential mortgage loans
Loan payment delinquencies
Total loans receivable		2,994,620
90 days or greater delinquent and accruing		0
Originated | Personal Banking: | Residential mortgage loans | Total delinquency
Loan payment delinquencies
Total loans receivable		33,641
Originated | Personal Banking: | Residential mortgage loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable		20,567
Originated | Personal Banking: | Residential mortgage loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable		5,433
Originated | Personal Banking: | Residential mortgage loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable		7,641
Originated | Personal Banking: | Residential mortgage loans | Current
Loan payment delinquencies
Total loans receivable		2,960,979
Originated | Personal Banking: | Home equity loans
Loan payment delinquencies
Total loans receivable		1,319,931
90 days or greater delinquent and accruing		0
Originated | Personal Banking: | Home equity loans | Total delinquency
Loan payment delinquencies
Total loans receivable		8,364
Originated | Personal Banking: | Home equity loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable		3,153
Originated | Personal Banking: | Home equity loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable		949
Originated | Personal Banking: | Home equity loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable		4,262
Originated | Personal Banking: | Home equity loans | Current
Loan payment delinquencies
Total loans receivable		1,311,567
Originated | Personal Banking: | Consumer loans
Loan payment delinquencies
Total loans receivable		354,517
90 days or greater delinquent and accruing		331
Originated | Personal Banking: | Consumer loans | Total delinquency
Loan payment delinquencies
Total loans receivable		2,489
Originated | Personal Banking: | Consumer loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable		1,205
Originated | Personal Banking: | Consumer loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable		519
Originated | Personal Banking: | Consumer loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable		765
Originated | Personal Banking: | Consumer loans | Current
Loan payment delinquencies
Total loans receivable		352,028
Originated | Commercial Banking:
Loan payment delinquencies
Total loans receivable		3,863,093
90 days or greater delinquent and accruing		0
Originated | Commercial Banking: | Total delinquency
Loan payment delinquencies
Total loans receivable		43,922
Originated | Commercial Banking: | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable		17,258
Originated | Commercial Banking: | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable		1,496
Originated | Commercial Banking: | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable		25,168
Originated | Commercial Banking: | Current
Loan payment delinquencies
Total loans receivable		3,819,171
Originated | Commercial Banking: | Commercial real estate loans
Loan payment delinquencies
Total loans receivable		2,625,481
90 days or greater delinquent and accruing		0
Originated | Commercial Banking: | Commercial real estate loans | Total delinquency
Loan payment delinquencies
Total loans receivable		41,126
Originated | Commercial Banking: | Commercial real estate loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable		16,938
Originated | Commercial Banking: | Commercial real estate loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable		699
Originated | Commercial Banking: | Commercial real estate loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable		23,489
Originated | Commercial Banking: | Commercial real estate loans | Current
Loan payment delinquencies
Total loans receivable		2,584,355
Originated | Commercial Banking: | Commercial loans
Loan payment delinquencies
Total loans receivable		847,609
90 days or greater delinquent and accruing		0
Originated | Commercial Banking: | Commercial loans | Total delinquency
Loan payment delinquencies
Total loans receivable		2,025
Originated | Commercial Banking: | Commercial loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable		193
Originated | Commercial Banking: | Commercial loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable		727
Originated | Commercial Banking: | Commercial loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable		1,105
Originated | Commercial Banking: | Commercial loans | Current
Loan payment delinquencies
Total loans receivable		$ 845,584

Loans Receivable - Credit Quali

Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Credit quality indicators
Year one	$ 2,630,339	$ 2,316,856
Year two	2,099,871	1,791,969
Year three	1,415,571	1,265,376
Year four	914,933	773,601
Year five	575,318	647,737
Prior	2,274,805	2,334,399
Revolving loans	939,858	803,210
Revolving loans converted to term loans	69,757	83,244
Total loans receivable, gross	10,920,452	10,016,392
Personal Banking:
Credit quality indicators
Year one	1,761,000	1,715,387
Year two	1,586,953	1,187,738
Year three	953,050	697,848
Year four	516,327	362,956
Year five	255,908	279,014
Prior	1,304,430	1,366,605
Revolving loans	541,954	500,317
Revolving loans converted to term loans	45,306	43,434
Total loans receivable, gross	6,964,928	6,153,299
Personal Banking: | Residential mortgage loans
Credit quality indicators
Year one	660,352	645,000
Year two	838,010	602,918
Year three	547,078	304,652
Year four	266,316	157,177
Year five	132,130	172,122
Prior	1,054,713	1,112,751
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	3,498,599	2,994,620
Personal Banking: | Residential mortgage loans | Pass
Credit quality indicators
Year one	659,930	644,862
Year two	837,823	602,429
Year three	546,604	304,275
Year four	265,520	156,639
Year five	131,599	171,240
Prior	1,043,394	1,098,635
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	3,484,870	2,978,080
Personal Banking: | Residential mortgage loans | Substandard
Credit quality indicators
Year one	422	138
Year two	187	489
Year three	474	377
Year four	796	538
Year five	531	882
Prior	11,319	14,116
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	13,729	16,540
Personal Banking: | Home equity loans
Credit quality indicators
Year one	114,598	150,847
Year two	126,654	210,224
Year three	173,044	139,102
Year four	110,622	65,071
Year five	50,638	62,147
Prior	202,037	213,779
Revolving loans	475,912	436,935
Revolving loans converted to term loans	44,169	41,826
Total loans receivable, gross	1,297,674	1,319,931
Personal Banking: | Home equity loans | Pass
Credit quality indicators
Year one	114,598	150,847
Year two	126,608	210,224
Year three	173,044	138,661
Year four	110,495	65,011
Year five	50,314	61,692
Prior	198,971	209,959
Revolving loans	475,229	435,660
Revolving loans converted to term loans	42,887	40,766
Total loans receivable, gross	1,292,146	1,312,820
Personal Banking: | Home equity loans | Substandard
Credit quality indicators
Year one	0	0
Year two	46	0
Year three	0	441
Year four	127	60
Year five	324	455
Prior	3,066	3,820
Revolving loans	683	1,275
Revolving loans converted to term loans	1,282	1,060
Total loans receivable, gross	5,528	7,111
Personal Banking: | Vehicle loans
Credit quality indicators
Year one	966,724	801,471
Year two	612,406	293,169
Year three	228,564	206,794
Year four	135,823	120,049
Year five	70,728	34,925
Prior	42,538	27,823
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	2,056,783	1,484,231
Personal Banking: | Vehicle loans | Pass
Credit quality indicators
Year one	966,432	801,084
Year two	611,310	292,804
Year three	227,897	205,653
Year four	135,134	119,304
Year five	70,071	34,546
Prior	42,166	27,576
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	2,053,010	1,480,967
Personal Banking: | Vehicle loans | Substandard
Credit quality indicators
Year one	292	387
Year two	1,096	365
Year three	667	1,141
Year four	689	745
Year five	657	379
Prior	372	247
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	3,773	3,264
Personal Banking: | Consumer loans
Credit quality indicators
Year one	19,326	118,069
Year two	9,883	81,427
Year three	4,364	47,300
Year four	3,566	20,659
Year five	2,412	9,820
Prior	5,142	12,252
Revolving loans	66,042	63,382
Revolving loans converted to term loans	1,137	1,608
Total loans receivable, gross	111,872	354,517
Personal Banking: | Consumer loans | Pass
Credit quality indicators
Year one	19,302	117,856
Year two	9,874	81,266
Year three	4,327	47,195
Year four	3,557	20,595
Year five	2,409	9,794
Prior	5,094	12,202
Revolving loans	65,610	63,025
Revolving loans converted to term loans	1,037	1,578
Total loans receivable, gross	111,210	353,511
Personal Banking: | Consumer loans | Substandard
Credit quality indicators
Year one	24	213
Year two	9	161
Year three	37	105
Year four	9	64
Year five	3	26
Prior	48	50
Revolving loans	432	357
Revolving loans converted to term loans	100	30
Total loans receivable, gross	662	1,006
Commercial Banking:
Credit quality indicators
Year one	869,339	601,469
Year two	512,918	604,231
Year three	462,521	567,528
Year four	398,606	410,645
Year five	319,410	368,723
Prior	970,375	967,794
Revolving loans	397,904	302,893
Revolving loans converted to term loans	24,451	39,810
Total loans receivable, gross	3,955,524	3,863,093
Commercial Banking: | Commercial real estate loans
Credit quality indicators
Year one	322,050	307,492
Year two	368,132	469,180
Year three	390,267	432,766
Year four	293,154	312,865
Year five	252,021	278,921
Prior	782,899	781,377
Revolving loans	25,570	27,509
Revolving loans converted to term loans	13,935	15,371
Total loans receivable, gross	2,448,028	2,625,481
Commercial Banking: | Commercial real estate loans | Pass
Credit quality indicators
Year one	322,050	306,689
Year two	346,355	433,219
Year three	369,868	335,541
Year four	244,188	263,524
Year five	209,500	221,450
Prior	696,628	683,537
Revolving loans	24,954	26,288
Revolving loans converted to term loans	13,314	10,179
Total loans receivable, gross	2,226,857	2,280,427
Commercial Banking: | Commercial real estate loans | Special Mention
Credit quality indicators
Year one	0	803
Year two	17,216	1,808
Year three	16,782	52,513
Year four	87	3,296
Year five	1,000	1,394
Prior	15,887	8,529
Revolving loans	157	729
Revolving loans converted to term loans	15	23
Total loans receivable, gross	51,144	69,095
Commercial Banking: | Commercial real estate loans | Substandard
Credit quality indicators
Year one	0	0
Year two	4,561	34,153
Year three	3,617	44,712
Year four	48,879	46,045
Year five	41,521	56,077
Prior	70,384	89,311
Revolving loans	459	492
Revolving loans converted to term loans	606	5,169
Total loans receivable, gross	170,027	275,959
Commercial Banking: | Commercial real estate loans - owner occupied
Credit quality indicators
Year one	63,031	69,084
Year two	51,673	19,452
Year three	18,007	55,572
Year four	54,685	64,480
Year five	48,307	67,475
Prior	133,634	106,733
Revolving loans	2,862	3,678
Revolving loans converted to term loans	3,328	3,529
Total loans receivable, gross	375,527	390,003
Commercial Banking: | Commercial real estate loans - owner occupied | Pass
Credit quality indicators
Year one	62,905	69,084
Year two	51,673	19,452
Year three	17,989	51,997
Year four	49,600	60,824
Year five	43,570	57,676
Prior	123,278	94,687
Revolving loans	2,477	2,822
Revolving loans converted to term loans	1,460	2,707
Total loans receivable, gross	352,952	359,249
Commercial Banking: | Commercial real estate loans - owner occupied | Special Mention
Credit quality indicators
Year one	126	0
Year two	0	0
Year three	18	0
Year four	0	769
Year five	2,297	1,959
Prior	1,106	1,444
Revolving loans	385	856
Revolving loans converted to term loans	0	0
Total loans receivable, gross	3,932	5,028
Commercial Banking: | Commercial real estate loans - owner occupied | Substandard
Credit quality indicators
Year one	0	0
Year two	0	0
Year three	0	3,575
Year four	5,085	2,887
Year five	2,440	7,840
Prior	9,250	10,602
Revolving loans	0	0
Revolving loans converted to term loans	1,868	822
Total loans receivable, gross	18,643	25,726
Commercial Banking: | Commercial loans
Credit quality indicators
Year one	484,258	224,893
Year two	93,113	115,599
Year three	54,247	79,190
Year four	50,767	33,300
Year five	19,082	22,327
Prior	53,842	79,684
Revolving loans	369,472	271,706
Revolving loans converted to term loans	7,188	20,910
Total loans receivable, gross	1,131,969	847,609
Commercial Banking: | Commercial loans | Pass
Credit quality indicators
Year one	481,797	224,367
Year two	90,320	110,171
Year three	52,833	73,276
Year four	46,966	27,668
Year five	17,250	20,748
Prior	53,107	76,987
Revolving loans	354,402	262,805
Revolving loans converted to term loans	4,032	12,301
Total loans receivable, gross	1,100,707	808,323
Commercial Banking: | Commercial loans | Special Mention
Credit quality indicators
Year one	628	197
Year two	2,190	661
Year three	506	812
Year four	1,704	1,195
Year five	227	50
Prior	0	581
Revolving loans	2,129	2,234
Revolving loans converted to term loans	0	0
Total loans receivable, gross	7,384	5,730
Commercial Banking: | Commercial loans | Substandard
Credit quality indicators
Year one	1,833	329
Year two	603	4,767
Year three	908	5,102
Year four	2,097	4,437
Year five	1,605	1,529
Prior	735	2,116
Revolving loans	12,941	6,667
Revolving loans converted to term loans	3,156	8,609
Total loans receivable, gross	23,878	33,556
Originated
Credit quality indicators
Total loans receivable, gross	10,089,414	8,872,025
Originated | Personal Banking:
Credit quality indicators
Total loans receivable, gross	6,529,189	5,582,868
Originated | Personal Banking: | Residential mortgage loans
Credit quality indicators
Total loans receivable, gross	3,327,879	2,783,459
Originated | Personal Banking: | Home equity loans
Credit quality indicators
Total loans receivable, gross	1,131,641	1,107,202
Originated | Personal Banking: | Vehicle loans
Credit quality indicators
Total loans receivable, gross	1,965,385	1,384,246
Originated | Personal Banking: | Consumer loans
Credit quality indicators
Total loans receivable, gross	104,284	307,961
Originated | Commercial Banking:
Credit quality indicators
Total loans receivable, gross	3,560,225	3,289,157
Originated | Commercial Banking: | Commercial real estate loans
Credit quality indicators
Total loans receivable, gross	2,135,607	2,202,027
Originated | Commercial Banking: | Commercial real estate loans - owner occupied
Credit quality indicators
Total loans receivable, gross	341,704	321,253
Originated | Commercial Banking: | Commercial loans
Credit quality indicators
Total loans receivable, gross	1,082,914	765,877
Acquired
Credit quality indicators
Total loans receivable, gross	831,038	1,144,367
Acquired | Personal Banking:
Credit quality indicators
Total loans receivable, gross	435,739	570,431
Acquired | Personal Banking: | Residential mortgage loans
Credit quality indicators
Total loans receivable, gross	170,720	211,161
Acquired | Personal Banking: | Home equity loans
Credit quality indicators
Total loans receivable, gross	166,033	212,729
Acquired | Personal Banking: | Vehicle loans
Credit quality indicators
Total loans receivable, gross	91,398	99,985
Acquired | Personal Banking: | Consumer loans
Credit quality indicators
Total loans receivable, gross	7,588	46,556
Acquired | Commercial Banking:
Credit quality indicators
Total loans receivable, gross	395,299	573,936
Acquired | Commercial Banking: | Commercial real estate loans
Credit quality indicators
Total loans receivable, gross	312,421	423,454
Acquired | Commercial Banking: | Commercial real estate loans - owner occupied
Credit quality indicators
Total loans receivable, gross	33,823	68,750
Acquired | Commercial Banking: | Commercial loans
Credit quality indicators
Total loans receivable, gross	$ 49,055	$ 81,732

Loans Receivable - Off-Balance

Loans Receivable - Off-Balance Sheet Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financial instruments with off-balance-sheet risk
Financial instruments with off-balance-sheet risk	$ 1,388,311	$ 1,455,387
Loans commitments
Financial instruments with off-balance-sheet risk
Financial instruments with off-balance-sheet risk	248,636	355,682
Undisbursed lines of credit
Financial instruments with off-balance-sheet risk
Financial instruments with off-balance-sheet risk	1,094,535	1,054,184
Standby letters of credit
Financial instruments with off-balance-sheet risk
Financial instruments with off-balance-sheet risk	$ 45,140	$ 45,521

Loans Receivable - Mortgage Ser

Loans Receivable - Mortgage Servicing Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Servicing rights
Servicing rights, beginning balance	$ 10,166	$ 8,657
Additions	1,282	4,604
Amortization	(3,646)	(3,095)
Servicing rights, ending balance	7,802	10,166
Valuation allowance
Valuation allowance, beginning balance	(11)	(492)
Additions	4	481
Valuation allowance, ending balance	(7)	(11)
Net carrying value and fair value
Net carrying and fair value, beginning balance	10,155	8,165
Additions	1,286	5,085
Amortization	(3,646)	(3,095)
Net carrying and fair value, ending balance	$ 7,795	$ 10,155

Accrued Interest Receivable (De

Accrued Interest Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Interest Receivable and Other Assets [Abstract]
Investment securities	$ 1,722	$ 1,591
FHLB dividends	391	89
Mortgage-backed securities	3,020	2,589
Loans receivable	30,395	21,330
Accrued interest receivable	$ 35,528	$ 25,599

FHLB Stock (Details)

FHLB Stock (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) subclass	Dec. 31, 2021 USD ($)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Number of subclasses of capital stock required to invest in for membership | subclass	2
Dividend received on capital stock	$ 730	$ 407
Federal Home Loan Bank of Pittsburgh
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Number of subclasses of capital stock required to invest in for membership | subclass	2
FHLB stock	$ 37,000	10,400
Federal Home Loan Bank of Pittsburgh | Subclass B-1
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Investment in capital stock of FHLB, at cost, as a percent of member asset value, as defined by FHLB	0.10%
Federal Home Loan Bank of Pittsburgh | Subclass B-1 | Minimum
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Investment in capital stock of FHLB, at cost, as a percent of member asset value, as defined by FHLB	0.05%
Federal Home Loan Bank of Pittsburgh | Subclass B-1 | Maximum
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Investment in capital stock of FHLB, at cost, as a percent of member asset value, as defined by FHLB	1%
Federal Home Loan Bank of Pittsburgh | Subclass B-2
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Investment in capital stock of FHLB, at cost, as a percent of borrowings outstanding	4%
Investment in capital stock of FHLB, at cost, as a percent of acquired member assets	4%
Investment in capital stock of FHLB, at cost, as a percent of certain letters of credit	0.75%
Investment in capital stock of FHLB, at cost, as a percent of outstanding advance commitments settling more than 30 days after trade	0%
Federal Home Loan Bank of Pittsburgh | Subclass B-2 | Minimum
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Investment in capital stock of FHLB, at cost, as a percent of borrowings outstanding	2%
Investment in capital stock of FHLB, at cost, as a percent of acquired member assets	0%
Investment in capital stock of FHLB, at cost, as a percent of certain letters of credit	0%
Investment in capital stock of FHLB, at cost, as a percent of outstanding advance commitments settling more than 30 days after trade	0%
Federal Home Loan Bank of Pittsburgh | Subclass B-2 | Maximum
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Investment in capital stock of FHLB, at cost, as a percent of borrowings outstanding	6%
Investment in capital stock of FHLB, at cost, as a percent of acquired member assets	6%
Investment in capital stock of FHLB, at cost, as a percent of certain letters of credit	4%
Investment in capital stock of FHLB, at cost, as a percent of outstanding advance commitments settling more than 30 days after trade	6%
Federal Home Loan Bank of Indianapolis
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Redemption period with written notice	5 years
FHLB stock	$ 3,100	$ 3,800
Federal Home Loan Bank of Indianapolis | Subclass B-2
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Investment in capital stock of FHLB, at cost, as a percent of borrowings outstanding	4.50%
Investment in capital stock of FHLB, at cost, as a percent of acquired member assets	4.50%
Investment in capital stock of FHLB, at cost, as a percent of certain letters of credit	0.10%
Investment in capital stock of FHLB stock, at cost, as a percent of derivative contracts	4.50%
Investment in capital stock of FHLB stock, at cost, as a percent of mortgage purchase program	0%
Investment in capital stock of FHLB stock, at cost, as a percent of optional MPP	4.50%
Investment in capital stock of FHLB stock, at cost, as a percent of community investment program CIP advances	4.50%
Federal Home Loan Bank of Indianapolis | Subclass B-2 | Minimum
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Investment in capital stock of FHLB, at cost, as a percent of borrowings outstanding	1%
Investment in capital stock of FHLB, at cost, as a percent of acquired member assets	1%
Investment in capital stock of FHLB, at cost, as a percent of certain letters of credit	0.10%
Investment in capital stock of FHLB stock, at cost, as a percent of derivative contracts	1%
Investment in capital stock of FHLB stock, at cost, as a percent of mortgage purchase program	0%
Investment in capital stock of FHLB stock, at cost, as a percent of community investment program CIP advances	1%
Federal Home Loan Bank of Indianapolis | Subclass B-2 | Maximum
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Investment in capital stock of FHLB, at cost, as a percent of borrowings outstanding	6%
Investment in capital stock of FHLB, at cost, as a percent of acquired member assets	6%
Investment in capital stock of FHLB, at cost, as a percent of certain letters of credit	6%
Investment in capital stock of FHLB stock, at cost, as a percent of derivative contracts	6%
Investment in capital stock of FHLB stock, at cost, as a percent of mortgage purchase program	6%
Investment in capital stock of FHLB stock, at cost, as a percent of community investment program CIP advances	6%

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Premises and Equipment
Total, at cost	$ 325,697	$ 336,633
Less accumulated depreciation and amortization	(179,788)	(180,109)
Premises and equipment, net	145,909	156,524
Depreciation and amortization expense	11,600	12,100	$ 11,900
Land and land improvements
Premises and Equipment
Total, at cost	24,368	25,449
Office buildings and improvements
Premises and Equipment
Total, at cost	139,180	152,654
Furniture, fixtures and equipment
Premises and Equipment
Total, at cost	138,590	138,242
Leasehold improvements
Premises and Equipment
Total, at cost	$ 23,559	$ 20,288

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Summary of Other Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Amortizable intangible assets:
Intangible asset - net	$ 8,560	$ 12,836
Amortization expense	4,277	5,553	$ 6,856
Estimated amortization expense
For the year ending December 31, 2023	3,270
For the year ending December 31, 2024	2,452
For the year ending December 31, 2025	1,662
For the year ending December 31, 2026	871
For the year ending December 31, 2027	305
Core Deposits
Amortizable intangible assets:
Intangible asset - gross	74,899	74,899
Less: accumulated amortization	(66,367)	(62,158)
Intangible asset - net	8,532	12,741
Customer and Contract
Amortizable intangible assets:
Intangible asset - gross	12,775	12,775
Acquisitions (disposals)	0	(1,547)
Less: accumulated amortization	(12,747)	(11,133)
Intangible asset - net	$ 28	$ 95

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Changes in the Carrying Amount of Goodwill (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021 USD ($)
Changes in the carrying amount of goodwill
Balance at the beginning of the period	$ 382,279
Purchase accounting adjustment	77
Goodwill disposed of due to sale of insurance business	(1,359)
Balance at the end of the period	$ 380,997

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Noninterest-bearing demand deposits	$ 2,993,243	$ 3,099,526
Interest-bearing demand deposits	2,686,431	2,940,442
Money market deposit accounts	2,457,569	2,629,882
Savings deposits	2,275,020	2,303,760
Time deposits	1,052,285	1,327,555
Deposits	11,464,548	12,301,165
Aggregate amount of certificates of deposit with a minimum denomination of $100,000	355,000	439,500
Deposits in accounts exceeding $250,000	4,031,000	4,194,000
Contractual maturity of the certificate accounts
Due within 12 months	754,564	890,101
Due between 12 and 24 months	186,803	288,284
Due between 24 and 36 months	46,500	80,251
Due between 36 and 48 months	26,734	33,843
Due between 48 and 60 months	33,691	29,692
After 60 months	3,993	5,384
Total time deposits	1,052,285	1,327,555
Interest expense incurred on deposits
Interest-bearing demand deposits	1,517	1,660	$ 3,358
Money market deposit accounts	3,381	2,597	7,021
Savings deposits	2,339	2,413	2,614
Time deposits	6,883	12,452	22,903
Total interest expense on deposits	$ 14,120	$ 19,122	$ 35,896

Borrowed Funds - Schedule of Bo

Borrowed Funds - Schedule of Borrowed Funds (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Borrowed funds	$ 681,166	$ 139,093
Collateralized borrowings, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 105,766	$ 139,093
Effective interest rate (as a percent)	0.27%	0.19%
Collateral received, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 24,100	$ 0
Effective interest rate (as a percent)	4.17%	0%
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 500,000	$ 0
Effective interest rate (as a percent)	4.55%	0%
Federal Home Loan Bank of Pittsburgh | Notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 51,300	$ 0
Effective interest rate (as a percent)	4.45%	0%

Borrowed Funds - Narrative (Det

Borrowed Funds - Narrative (Details) $ in Thousands		12 Months Ended
	Sep. 09, 2020 USD ($)	Dec. 31, 2022 USD ($) advance business_trust	Dec. 31, 2021 USD ($)
Debt Instrument [Line Items]
Number of advances | advance		5
Borrowed funds		$ 681,166	$ 139,093
Number of statutory business trusts | business_trust		7
Trust Preferred Securities Subject to Mandatory Redemption
Debt Instrument [Line Items]
Maximum period for which interest payment on the subordinated debentures can be deferred		5 years
Interest deferral		$ 0
Collateralized borrowings, due within one year
Debt Instrument [Line Items]
Due within one year, amount		105,800	139,100
Average amount of agreements outstanding		115,400	132,100
Maximum amount of outstanding security repurchase agreement		135,700	139,600
Borrowed funds		105,766	139,093
Collateral received, due within one year
Debt Instrument [Line Items]
Collateral received		24,100	0
Borrowed funds		24,100	0
Term notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Debt issued		500,000	0
Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
Debt issued		$ 100,000
Stated rate		4.54%
Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Two
Debt Instrument [Line Items]
Debt issued		$ 100,000
Stated rate		4.53%
Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Three
Debt Instrument [Line Items]
Debt issued		$ 100,000
Stated rate		4.57%
Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Four
Debt Instrument [Line Items]
Debt issued		$ 100,000
Stated rate		4.54%
Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Five
Debt Instrument [Line Items]
Debt issued		$ 100,000
Stated rate		4.58%
Subordinated Debt
Debt Instrument [Line Items]
Debt issued	$ 125,000
Stated rate	4%
Spread on variable rate basis (as a percent)	3.89%
Amount repurchased		$ 10,200
Amount outstanding after repurchase		114,800
Debt issuance costs	$ 1,800
Debt issuance amortization period	5 years
Borrowed funds		113,800	123,600
Federal Home Loan Bank of Pittsburgh | Notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Maximum commitment		250,000
Long-term line of credit		51,300	0
Borrowed funds		51,300	0
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Borrowed funds		$ 500,000	$ 0

Borrowed Funds - Schedule of Ca

Borrowed Funds - Schedule of Capital Debt Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Junior subordinated debentures	$ 129,314	$ 129,054
Trust Preferred Securities Subject to Mandatory Redemption
Debt Instrument [Line Items]
Capital debt securities	128,875
Junior subordinated debentures	$ 129,314	129,054
Trust Preferred Securities Subject to Mandatory Redemption | Northwest Bancorp Capital Trust III
Debt Instrument [Line Items]
Spread on variable rate basis (as a percent)	138%
Capital debt securities	$ 50,000
Junior subordinated debentures	$ 51,547	51,547
Trust Preferred Securities Subject to Mandatory Redemption | Northwest Bancorp Statutory Trust IV
Debt Instrument [Line Items]
Spread on variable rate basis (as a percent)	138%
Capital debt securities	$ 50,000
Junior subordinated debentures	$ 51,547	51,547
Trust Preferred Securities Subject to Mandatory Redemption | LNB Trust II
Debt Instrument [Line Items]
Spread on variable rate basis (as a percent)	148%
Capital debt securities	$ 7,875
Junior subordinated debentures	$ 8,119	8,119
Trust Preferred Securities Subject to Mandatory Redemption | Union National Capital Trust I
Debt Instrument [Line Items]
Spread on variable rate basis (as a percent)	285%
Capital debt securities	$ 8,000
Junior subordinated debentures	$ 7,975	7,950
Trust Preferred Securities Subject to Mandatory Redemption | Union National Capital Trust II
Debt Instrument [Line Items]
Spread on variable rate basis (as a percent)	200%
Capital debt securities	$ 3,000
Junior subordinated debentures	$ 2,768	2,741
Trust Preferred Securities Subject to Mandatory Redemption | M F B C Statutory Trust I
Debt Instrument [Line Items]
Spread on variable rate basis (as a percent)	170%
Capital debt securities	$ 5,000
Junior subordinated debentures	$ 3,684	3,580
Trust Preferred Securities Subject to Mandatory Redemption | Universal Preferred Trust
Debt Instrument [Line Items]
Spread on variable rate basis (as a percent)	169%
Capital debt securities	$ 5,000
Junior subordinated debentures	$ 3,674	$ 3,570

Income Taxes - Schedule of Inco

Income Taxes - Schedule of Income Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Allocation of total income tax
Income tax expense	$ 40,026	$ 46,801	$ 17,672
Shareholders’ equity for unrealized gain/(loss) on securities available-for-sale	(45,321)	(10,425)	5,061
Shareholders’ equity for pension adjustment	6,980	9,659	(3,774)
Unallocated income tax	1,685	46,035	18,959
Current tax provision/(benefit):
Federal	36,235	24,554	23,968
State	9,295	9,933	1,788
Total current tax provision/(benefit)	45,530	34,487	25,756
Deferred tax provision/(benefit):
Federal	(5,325)	10,752	(9,072)
State	(179)	1,562	988
Total deferred tax provision/(benefit)	(5,504)	12,314	(8,084)
Total provision for income taxes	$ 40,026	$ 46,801	$ 17,672
Reconciliation of the expected federal statutory income tax rate to the effective rate
Expected tax rate	21%	21%	21%
Tax-exempt interest income	(1.10%)	(0.90%)	(1.70%)
State income tax, net of federal benefit	4%	4.50%	2.20%
Bank-owned life insurance	(0.90%)	(0.60%)	(1.10%)
Stock-based compensation	0.10%	(0.10%)	0.20%
Dividends on stock plans	(0.50%)	(0.40%)	(0.90%)
Low income housing and historic tax credits	(0.20%)	(0.20%)	(0.90%)
Other	0.60%	0%	0.30%
Effective tax rate	23%	23.30%	19.10%
Deferred tax assets:
Deferred compensation expense	$ 4,804	$ 4,230
Bad debts	27,105	23,273
Other reserves	3,554	1,333
Accrued post-retirement benefit cost	502	900
Stock benefit plans	652	623
Pension and post-retirement benefits	2,767	9,747
Unrealized loss on the fair value of securities available-for-sale	49,414	4,093
Deferred income	95	341
Lease liability	13,101	12,958
Purchase accounting	696	432
Net operating loss	1,592	2,140
Other	1,877	922
Total deferred tax assets	106,159	60,992
Deferred tax liabilities:
Pension expense	6,231	6,993
Intangible assets	17,400	16,543
Mortgage servicing rights	1,768	2,278
Fixed assets	6,518	5,287
Net deferred loan costs	3,055	2,338
Right of use asset	12,463	12,322
Interest rate derivatives	123	341
Other	2,369	2,503
Total deferred tax liabilities	49,927	48,605
Net deferred tax asset	$ 56,232	$ 12,387

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) $ in Millions	Dec. 31, 2022 USD ($)
Domestic Tax Authority
Operating loss carryforwards
Operating loss carryforwards	$ 2.9
Valuation allowance for deferred tax assets	0
State and Local Jurisdiction
Operating loss carryforwards
Operating loss carryforwards	32
Amount carryovers not expected to be realized	$ 7.6

Income Taxes - Summary of Unrec

Income Taxes - Summary of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Unrecognized tax benefits:
Balance, beginning of year	$ 473	$ 241	$ 331
Increases related to prior year tax positions	252	37	336
Decreases related to prior year tax positions	(28)	(173)	(5)
Increases related to current year tax positions	8	46	0
Balance, end of year	$ 473	$ 241	$ 331	$ 0

Shareholders' Equity (Details)

Shareholders' Equity (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Stockholders' Equity Note [Abstract]
Bad debt deductions for which no deferred income taxes have been provided	$ 39.1	$ 39.1

Earnings Per Share - Narrative

Earnings Per Share - Narrative (Details) - Employee And Directors Stock Options - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Antidilutive securities excluded from the calculation of earnings per share
Antidilutive securities excluded from computation of earnings	1,950,847	2,146,897	4,677,841
Average share price during the reporting period (in dollars per share)	$ 13.79	$ 13.80	$ 11.54

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Earnings Per Share [Abstract]
Net income	$ 133,666	$ 154,323	$ 74,854
Less: Dividends and undistributed earnings allocated to participating securities	585	1,010	0
Net income available to common shareholders	133,081	153,313	74,854
Net income available to common shareholders	$ 133,081	$ 153,313	$ 74,854
Weighted average common shares outstanding (in shares)	126,167,892	126,181,586	120,244,474
Dilutive potential shares due to effect of stock options (in shares)	556,201	828,251	0
Total weighted average common shares and dilutive potential shares (in shares)	126,724,093	127,009,837	120,244,474
Basic earnings per share (in dollars per share)	$ 1.05	$ 1.22	$ 0.62
Diluted earnings per share (in dollars per share)	$ 1.05	$ 1.21	$ 0.62

Employee Benefit Plans - Pensio

Employee Benefit Plans - Pension Plans, Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Aug. 01, 2020 hour
Employee benefit plans
Employer matching contribution	100%
Employee matching contribution	4%
Soft freeze, hours threshold | hour				1,000
Total expense for all retirement plans	$ 4.5	$ 10.1	$ 8.2
Pension Plans
Employee benefit plans
Accumulated benefit obligation for funded defined benefit pension plan	182.3	243.6	254.2
Accumulated benefit obligation for unfunded defined benefit pension plan	$ 2.5	$ 3.3	$ 4.4
Target allocation of any one stock, maximum (as a percent)	10%
Maximum average maturity of bond portfolio	10 years
2023	$ 8.7
2024	9
2025	9.6
2026	9.9
2027	10.4
2028 to 2032	60.2
Pension Plans | Accumulated Defined Benefit Plans Adjustment, Net Gain (Loss) Attributable to Parent
Employee benefit plans
Expected amortization next fiscal year	1.6
Pension Plans | Accumulated Defined Benefit Plans Adjustment, Net Prior Service Attributable to Parent
Employee benefit plans
Expected amortization next fiscal year	$ 1.5
Pension Plans | Common stock | Minimum
Employee benefit plans
Target allocation, (as a percent)	30%	30%
Pension Plans | Common stock | Maximum
Employee benefit plans
Target allocation, (as a percent)	60%	60%
Pension Plans | Mutual funds | Minimum
Employee benefit plans
Target allocation, (as a percent)	20%	20%
Pension Plans | Mutual funds | Maximum
Employee benefit plans
Target allocation, (as a percent)	50%	50%

Employee Benefit Plans - Pens_2

Employee Benefit Plans - Pension Plans - Components of Net Periodic Pension Cost and Other Amounts Recognized In OCI (Details) - Pension Plans - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Components of net periodic pension cost
Service cost	$ 10,396	$ 11,440	$ 8,391
Interest cost	6,683	6,070	6,855
Expected return on plan assets	(15,454)	(13,859)	(12,362)
Amortization of prior service cost	(2,257)	(2,322)	(2,322)
Amortization of the net loss	1,525	4,156	3,695
Net periodic pension cost, defined benefit pension plans	893	5,485	4,257
Changes in the defined benefit pension plans’ plan assets and benefit obligations recognized in other comprehensive income
Net (gain)/loss	(28,222)	(36,552)	11,521
Amortization of prior service cost	2,257	2,322	2,323
Total recognized in other comprehensive income	(25,965)	(34,230)	13,844
Total recognized in net periodic pension cost and other comprehensive income	$ (25,072)	$ (28,745)	$ 18,101

Employee Benefit Plans - Define

Employee Benefit Plans - Defined Benefit Pension Plans' Funded Status (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Change in plan assets:
Fair value of plan assets at end of period	$ 202,791
Pension Plans
Change in benefit obligation:
Benefit obligation at beginning of year	246,934	$ 258,589
Service cost	10,396	11,440	$ 8,391
Interest cost	6,683	6,070	6,855
Actuarial gain	(70,121)	(19,834)
Benefits paid	(9,133)	(9,331)
Benefit obligation at end of year	184,759	246,934	258,589
Change in plan assets:
Fair value of plan assets at beginning of year	239,438	216,872
Actual return on plan assets	(27,970)	26,421
Employer contributions	456	5,476
Benefits paid	(9,133)	(9,331)
Fair value of plan assets at end of period	202,791	239,438	$ 216,872
Funded status at end of year	$ 18,032	$ (7,496)
Assumptions used to develop the net periodic pension cost
Discount rate	2.75%	2.39%	3.14%
Expected long-term rate of return on assets	6.50%	6.50%	6.50%
Rate of increase in compensation levels	3%	3%	3%
Assumptions used to determine benefit obligations
Discount rate	4.99%	2.75%	2.39%
Expected long-term rate of return on assets	6.50%	6.50%	6.50%
Rate of increase in compensation levels	3%	3%	3%

Employee Benefit Plans - Defi_2

Employee Benefit Plans - Defined Benefit Plans Certain Information and Weighted Average Asset Allocation (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Employee benefit plans
Fair value of plan assets	$ 202,791
Mutual funds
Employee benefit plans
Fair value of plan assets	121,826
Common stock
Employee benefit plans
Fair value of plan assets	61,552
Pension Plans
Employee benefit plans
Projected benefit obligation	184,759	$ 246,934	$ 258,589
Accumulated benefit obligation	184,759	246,934
Fair value of plan assets	$ 202,791	$ 239,438	$ 216,872
Weighted average asset allocation of defined benefit plans
Total (as a percent)	100%	100%
Pension Plans | Mutual funds
Weighted average asset allocation of defined benefit plans
Total (as a percent)	26%	25%
Pension Plans | Common stock
Weighted average asset allocation of defined benefit plans
Total (as a percent)	65%	66%
Pension Plans | Other
Weighted average asset allocation of defined benefit plans
Total (as a percent)	9%	9%
Minimum | Pension Plans | Mutual funds
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	20%	20%
Minimum | Pension Plans | Common stock
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	30%	30%
Minimum | Pension Plans | Other
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	5%	5%
Maximum | Pension Plans | Mutual funds
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	50%	50%
Maximum | Pension Plans | Common stock
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	60%	60%
Maximum | Pension Plans | Other
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	50%	50%

Employee Benefit Plans - Pens_3

Employee Benefit Plans - Pension Plan Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Employee benefit plans
Fair value of plan assets	$ 202,791
Fair value of plan assets, including accrued interest and dividends	203,000	$ 239,400
Common stock
Employee benefit plans
Fair value of plan assets	61,552
Mutual funds
Employee benefit plans
Fair value of plan assets	121,826
Money market funds
Employee benefit plans
Fair value of plan assets	9,208
Other
Employee benefit plans
Fair value of plan assets	$ 10,205
Level 1
Employee benefit plans
Fair value of plan assets		239,262
Level 1 | Common stock
Employee benefit plans
Fair value of plan assets		61,968
Level 1 | Mutual funds
Employee benefit plans
Fair value of plan assets		154,676
Level 1 | Money market funds
Employee benefit plans
Fair value of plan assets		11,946
Level 1 | Other
Employee benefit plans
Fair value of plan assets		$ 10,672

Employee Benefit Plans - Post-r

Employee Benefit Plans - Post-retirement Healthcare Plan, Narrative (Details) - Postretirement Healthcare Plan $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Requisite service age, minimum	55 years
Expected amortization next fiscal year	$ 39
Effect of one percentage point increase on healthcare cost (as a percent)	6%
Effect of 1-percent increase in assumed health care cost trend rates on interest cost in current period	$ 3,600
Effect of 1-percent increase in assumed health care cost trend rates on postretirement benefit obligation	$ 72,600

Employee Benefit Plans - Post_2

Employee Benefit Plans - Post-retirement Healthcare Plan - Components of Net Periodic Benefit Cost and Other Amounts Recognized in OCI (Details) - Postretirement Healthcare Plan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Interest cost	$ 40	$ 42	$ 26
Amortization of prior service cost	6	14	18
Net periodic pension cost, defined benefit pension plans	46	56	44
Net (gain)/loss	183	(66)	(51)
Total recognized in other comprehensive income	183	(66)	(51)
Total recognized in net periodic pension cost and other comprehensive income	$ 229	$ (10)	$ (7)

Employee Benefit Plans - Post_3

Employee Benefit Plans - Post-retirement Healthcare Plan - Funded Status (Details) - Postretirement Healthcare Plan - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Change in benefit obligation:
Benefit obligation at beginning of year	$ 1,560,000	$ 1,807,000
Interest cost	40,000	42,000	$ 26,000
Actuarial gain	189,000	(53,000)
Benefits paid	(268,000)	(236,000)
Benefit obligation at end of year	1,521,000	1,560,000	$ 1,807,000
Change in plan assets:
Employer contributions	268,000	236,000
Benefits paid	(268,000)	(236,000)
Funded status at end of year	$ (1,521,000)	$ (1,560,000)
Defined Benefit Plan, Assumptions Used in Calculations [Abstract]
Discount rate	2.75%	2.39%	3.14%
Monthly cost of healthcare insurance per beneficiary	$ 415	$ 343	$ 370
Annual rate of increase in healthcare costs	5%	5%	4%
Defined Benefit Plan, Plan with Accumulated Benefit Obligation in Excess of Plan Assets [Abstract]
Projected benefit obligation	$ 1,521,000	$ 1,560,000	$ 1,807,000
Accumulated benefit obligation	$ 1,521,000	$ 1,560,000

Employee Benefit Plans - Common

Employee Benefit Plans - Common Stock Awards, Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands					12 Months Ended			56 Months Ended
	May 18, 2022	May 25, 2021	May 20, 2020	Apr. 18, 2018	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2022
Restricted common shares
Stock Related Compensation
Compensation expenses					$ 2,800	$ 4,100	$ 3,500
Performance Shares
Stock Related Compensation
Compensation expenses					$ 1,000
Expense recognition period					2 years 6 months
Restricted Stock Units (RSUs)
Stock Related Compensation
Compensation expenses					$ 1,200
Expense recognition period					2 years 6 months
Restricted Stock Awards
Stock Related Compensation
Compensation expenses					$ 180
Expense recognition period					1 year
2018 Equity Incentive Plan | Restricted common shares
Stock Related Compensation
Number of shares authorized (in shares)				1,500,000
Number of shares awarded (in shares)					12,521	13,452
Weighted average grant date fair value of shares issued (in dollars per share)		$ 13.68	$ 9.71		$ 13.98	$ 13.76
Market value of shares issued		$ 4,400	$ 2,700
Number of shares forfeited (in shares)					61,547			224,814
Compensation expenses					$ 5,400
Expense recognition period					3 years
2018 Equity Incentive Plan | Restricted common shares | Minimum
Stock Related Compensation
Vesting period				5 years
2018 Equity Incentive Plan | Restricted common shares | Maximum
Stock Related Compensation
Vesting period				7 years
2022 Equity Incentive Plan | Restricted common shares
Stock Related Compensation
Number of shares authorized (in shares)	3,500,000
2022 Equity Incentive Plan | Restricted Stock Units (RSUs)
Stock Related Compensation
Number of shares awarded (in shares)					13,115
Weighted average grant date fair value of shares issued (in dollars per share)					$ 12.69
Vesting period	3 years
Number of shares forfeited (in shares)								26,282
Employees | 2018 Equity Incentive Plan | Restricted common shares
Stock Related Compensation
Number of shares awarded (in shares)		293,755	261,091
Employees | 2022 Equity Incentive Plan | Restricted common shares
Stock Related Compensation
Number of shares awarded (in shares)	150,027
Weighted average grant date fair value of shares issued (in dollars per share)	$ 11
Market value of shares issued	$ 1,700
Employees | 2022 Equity Incentive Plan | Performance Shares
Stock Related Compensation
Number of shares awarded (in shares)	150,027
Weighted average grant date fair value of shares issued (in dollars per share)	$ 10.26
Vesting period	3 years
Market value of shares issued	$ 1,500
Employees | 2022 Equity Incentive Plan | Performance Shares | Minimum
Stock Related Compensation
Vesting percentage	0%
Employees | 2022 Equity Incentive Plan | Performance Shares | Maximum
Stock Related Compensation
Vesting percentage	150%
Director | 2018 Equity Incentive Plan | Restricted common shares
Stock Related Compensation
Number of shares awarded (in shares)		27,000	21,600
Director | 2022 Equity Incentive Plan | Restricted common shares
Stock Related Compensation
Number of shares awarded (in shares)	41,206
Weighted average grant date fair value of shares issued (in dollars per share)	$ 12.55
Vesting period	1 year
Market value of shares issued	$ 517

Employee Benefit Plans - Stock

Employee Benefit Plans - Stock Option Plans, Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands			12 Months Ended
	May 25, 2021	May 20, 2020	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Outstanding and exercisable options
Aggregate intrinsic value			$ 145,000
Vested options			$ (1,100)
Stock options
Outstanding and exercisable options
Granted (in shares)			0	693,972	614,076
Granted (in dollars per share)			$ 0	$ 13.68	$ 9.71
2018 Equity Incentive Plan
Outstanding and exercisable options
Granted (in shares)			0
Granted (in dollars per share)	$ 13.68	$ 9.71
2018 Equity Incentive Plan | Stock options
Outstanding and exercisable options
Number of shares authorized (in shares)			3,500,000
Vesting period			5 years
Exercise period			10 years
Employees | 2018 Equity Incentive Plan
Outstanding and exercisable options
Granted (in shares)	621,972	556,476
Director | 2018 Equity Incentive Plan
Outstanding and exercisable options
Granted (in shares)	72,000	57,600

Employee Benefit Plans - Share-

Employee Benefit Plans - Share-Based Awards (Details) - Stock options - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Number
Balance at beginning of year (in shares)	4,380,310	5,243,172	5,101,351
Granted (in shares)	0	693,972	614,076
Exercised (in shares)	(465,920)	(1,219,581)	(131,309)
Forfeited/ expired (in shares)	(256,810)	(337,253)	(340,946)
Balance at end of year (in shares)	3,657,580	4,380,310	5,243,172
Exercisable at end of year (in shares)	2,556,235	2,618,733	3,350,356
Weighted average exercise price
Balance at beginning of year (in dollars per share)	$ 14.05	$ 13.72	$ 14.28
Granted (in dollars per share)	0	13.68	9.71
Exercised (in dollars per share)	12.14	12.28	11.81
Forfeited (in dollars per share)	14.64	14.59	14.39
Balance at end of year (in dollars per share)	14.25	14.05	13.72
Exercisable at end of year (in dollars per share)	$ 14.43	14.15	13.53
Weighted average fair value of options at grant date (in dollars per share)		$ 0.64	$ 0.13
Intrinsic value of options exercised	$ 839,000	$ 2,300	$ 444

Employee Benefit Plans - Number

Employee Benefit Plans - Number of Options Outstanding and Exercisable and Weighted Average Remaining Life of All Option Grants (Details)	12 Months Ended
	Dec. 31, 2022 $ / shares shares
Exercise price $9.71
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 9.71
Number of options (in shares)	442,133
Weighted average remaining contract life (years)	7 years 6 months
Number of options (in shares)	213,249
Weighted average remaining term - vested (years)	7 years 6 months
Exercise price $12.37
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 12.37
Number of options (in shares)	267,197
Weighted average remaining contract life (years)	2 years 6 months
Number of options (in shares)	224,951
Weighted average remaining term - vested (years)	2 years 6 months
Exercise price $12.44
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 12.44
Number of options (in shares)	171,998
Weighted average remaining contract life (years)	6 months
Number of options (in shares)	171,998
Weighted average remaining term - vested (years)	6 months
Exercise price $13.15
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 13.15
Number of options (in shares)	237,004
Weighted average remaining contract life (years)	1 year 6 months
Number of options (in shares)	219,395
Weighted average remaining term - vested (years)	1 year 6 months
Exercise price $13.68
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 13.68
Number of options (in shares)	588,401
Weighted average remaining contract life (years)	8 years 6 months
Number of options (in shares)	257,543
Weighted average remaining term - vested (years)	8 years 6 months
Exercise price $14.15
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 14.15
Number of options (in shares)	384,878
Weighted average remaining contract life (years)	3 years 6 months
Number of options (in shares)	302,162
Weighted average remaining term - vested (years)	3 years 6 months
Exercise price $15.57
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 15.57
Number of options (in shares)	490,787
Weighted average remaining contract life (years)	4 years 6 months
Number of options (in shares)	355,907
Weighted average remaining term - vested (years)	4 years 6 months
Exercise price $16.59
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 16.59
Number of options (in shares)	626,953
Weighted average remaining contract life (years)	5 years 6 months
Number of options (in shares)	504,215
Weighted average remaining term - vested (years)	5 years 6 months
Exercise price $17.27
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 17.27
Number of options (in shares)	448,229
Weighted average remaining contract life (years)	6 years 6 months
Number of options (in shares)	306,815
Weighted average remaining term - vested (years)	6 years 6 months
Total Average $14.25
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 14.25
Number of options (in shares)	3,657,580
Weighted average remaining contract life (years)	5 years 2 months 12 days
Number of options (in shares)	2,556,235
Weighted average remaining term - vested (years)	3 years 9 months 18 days

Disclosures About Fair Value _3

Disclosures About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financial assets:
Securities held-to-maturity	$ 751,384	$ 751,513
Residential mortgage loans held-for-sale	9,900	25,100
Accrued interest receivable	35,528	25,599
Financial liabilities:
Subordinated debt	113,840	123,575
Junior subordinated debentures	129,314	129,054
Level 1
Financial assets:
Cash and cash equivalents	139,365	1,279,259
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Loans receivable, net	0	0
Residential mortgage loans held-for-sale	0	0
Accrued interest receivable	35,528	25,599
FHLB stock	0	0
Total assets	174,893	1,304,858
Financial liabilities:
Savings and checking deposits	10,412,263	10,973,610
Time deposits	0	0
Borrowed funds	680,996	139,093
Subordinated debt	0	0
Junior subordinated debentures	0	0
Accrued interest payable	3,231	1,804
Total financial liabilities	11,096,490	11,114,507
Level 1 | Interest rate lock commitments
Financial assets:
Derivative asset	0	0
Level 1 | Forward commitments
Financial assets:
Derivative asset	0	0
Level 1 | Interest rate swaps not designated as hedging instruments
Financial assets:
Derivative asset	0	0
Financial liabilities:
Interest rate swaps not designated as hedging instruments	0	0
Level 1 | Risk participation agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	0	0
Level 1 | Foreign exchange swap agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	0	0
Level 2
Financial assets:
Cash and cash equivalents	0	0
Securities available-for-sale	1,218,108	1,548,592
Securities held-to-maturity	751,384	751,513
Loans receivable, net	0	0
Residential mortgage loans held-for-sale	0	0
Accrued interest receivable	0	0
FHLB stock	0	0
Total assets	1,996,262	2,331,730
Financial liabilities:
Savings and checking deposits	0	0
Time deposits	0	0
Borrowed funds	0	0
Subordinated debt	102,554	129,138
Junior subordinated debentures	0	0
Accrued interest payable	0	0
Total financial liabilities	148,059	160,896
Level 2 | Interest rate lock commitments
Financial assets:
Derivative asset	0	0
Level 2 | Forward commitments
Financial assets:
Derivative asset	128	371
Level 2 | Interest rate swaps not designated as hedging instruments
Financial assets:
Derivative asset	26,642	31,254
Financial liabilities:
Interest rate swaps not designated as hedging instruments	45,464	31,357
Level 2 | Risk participation agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	18	60
Level 2 | Foreign exchange swap agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	23	341
Level 3
Financial assets:
Cash and cash equivalents	0	0
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Loans receivable, net	9,910,852	9,648,825
Residential mortgage loans held-for-sale	9,913	25,056
Accrued interest receivable	0	0
FHLB stock	0	0
Total assets	9,921,324	9,675,565
Financial liabilities:
Savings and checking deposits	0	0
Time deposits	1,059,790	1,339,308
Borrowed funds	0	0
Subordinated debt	0	0
Junior subordinated debentures	133,546	120,083
Accrued interest payable	0	0
Total financial liabilities	1,193,336	1,459,391
Level 3 | Interest rate lock commitments
Financial assets:
Derivative asset	559	1,684
Level 3 | Forward commitments
Financial assets:
Derivative asset	0	0
Level 3 | Interest rate swaps not designated as hedging instruments
Financial assets:
Derivative asset	0	0
Financial liabilities:
Interest rate swaps not designated as hedging instruments	0	0
Level 3 | Risk participation agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	0	0
Level 3 | Foreign exchange swap agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	0	0
Carrying amount
Financial assets:
Cash and cash equivalents	139,365	1,279,259
Securities available-for-sale	1,218,108	1,548,592
Securities held-to-maturity	881,249	768,154
Loans receivable, net	10,792,503	9,889,095
Residential mortgage loans held-for-sale	9,913	25,056
Accrued interest receivable	35,528	25,599
FHLB stock	40,143	14,184
Total assets	13,144,138	13,583,248
Financial liabilities:
Savings and checking deposits	10,412,263	10,973,610
Time deposits	1,052,285	1,327,555
Borrowed funds	681,166	139,093
Subordinated debt	113,840	123,575
Junior subordinated debentures	129,314	129,054
Accrued interest payable	3,231	1,804
Total financial liabilities	12,437,604	12,726,449
Carrying amount | Interest rate lock commitments
Financial assets:
Derivative asset	559	1,684
Carrying amount | Forward commitments
Financial assets:
Derivative asset	128	371
Carrying amount | Interest rate swaps not designated as hedging instruments
Financial assets:
Derivative asset	26,642	31,254
Financial liabilities:
Interest rate swaps not designated as hedging instruments	45,464	31,357
Carrying amount | Risk participation agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	18	60
Carrying amount | Foreign exchange swap agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	23	341
Estimated fair value
Financial assets:
Cash and cash equivalents	139,365	1,279,259
Securities available-for-sale	1,218,108	1,548,592
Securities held-to-maturity	751,384	751,513
Loans receivable, net	9,910,852	9,648,825
Residential mortgage loans held-for-sale	9,913	25,056
Accrued interest receivable	35,528	25,599
FHLB stock	40,143	14,184
Total assets	12,132,622	13,326,337
Financial liabilities:
Savings and checking deposits	10,412,263	10,973,610
Time deposits	1,059,790	1,339,308
Borrowed funds	680,996	139,093
Subordinated debt	102,554	129,138
Junior subordinated debentures	133,546	120,083
Accrued interest payable	3,231	1,804
Total financial liabilities	12,437,885	12,734,794
Estimated fair value | Interest rate lock commitments
Financial assets:
Derivative asset	559	1,684
Estimated fair value | Forward commitments
Financial assets:
Derivative asset	128	371
Estimated fair value | Interest rate swaps not designated as hedging instruments
Financial assets:
Derivative asset	26,642	31,254
Financial liabilities:
Interest rate swaps not designated as hedging instruments	45,464	31,357
Estimated fair value | Risk participation agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	18	60
Estimated fair value | Foreign exchange swap agreements
Financial liabilities:
Interest rate swaps not designated as hedging instruments	$ 23	$ 341

Disclosures About Fair Value _4

Disclosures About Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Level 1
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	$ 0	$ 0
Total assets	174,893	1,304,858
Level 1 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Level 1 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Level 1 | Foreign exchange swap agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	0	0
Level 1 | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Liability derivatives, fair value	0	0
Level 1 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	0	0
Level 2
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	1,218,108	1,548,592
Total assets	1,996,262	2,331,730
Level 2 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Level 2 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	128	371
Level 2 | Foreign exchange swap agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	23	341
Level 2 | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	26,642	31,254
Liability derivatives, fair value	45,464	31,357
Level 2 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	18	60
Level 3
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Total assets	9,921,324	9,675,565
Level 3 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	559	1,684
Level 3 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Level 3 | Foreign exchange swap agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	0	0
Level 3 | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Liability derivatives, fair value	0	0
Level 3 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	0	0
Measured on recurring basis
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	224,537	250,677
Mortgage-backed securities	993,571	1,297,915
Total assets	1,245,437	1,581,901
Total liabilities	45,505	31,758
Measured on recurring basis | U.S. government and agencies
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	60,592	75,891
Measured on recurring basis | Government sponsored enterprises
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	39,201	46,085
Measured on recurring basis | States and political subdivisions
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	111,766	128,701
Measured on recurring basis | Corporate
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	12,978
Measured on recurring basis | GNMA
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	12,434	16,510
Collateralized mortgage obligations	364,553	492,328
Measured on recurring basis | FNMA
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	117,218	160,063
Collateralized mortgage obligations	185,588	269,060
Measured on recurring basis | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	74,991	100,055
Collateralized mortgage obligations	238,781	259,468
Measured on recurring basis | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	6	431
Measured on recurring basis | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	559	1,684
Measured on recurring basis | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	128	371
Measured on recurring basis | Foreign exchange swap agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	23	341
Measured on recurring basis | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	26,642	31,254
Liability derivatives, fair value	45,464	31,357
Measured on recurring basis | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	18	60
Measured on recurring basis | Level 1
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Mortgage-backed securities	0	0
Total assets	0	0
Total liabilities	0	0
Measured on recurring basis | Level 1 | U.S. government and agencies
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Measured on recurring basis | Level 1 | Government sponsored enterprises
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Measured on recurring basis | Level 1 | States and political subdivisions
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Measured on recurring basis | Level 1 | Corporate
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0
Measured on recurring basis | Level 1 | GNMA
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
Measured on recurring basis | Level 1 | FNMA
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
Measured on recurring basis | Level 1 | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
Measured on recurring basis | Level 1 | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Measured on recurring basis | Level 1 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Measured on recurring basis | Level 1 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Measured on recurring basis | Level 1 | Foreign exchange swap agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	0	0
Measured on recurring basis | Level 1 | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Liability derivatives, fair value	0	0
Measured on recurring basis | Level 1 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	0	0
Measured on recurring basis | Level 2
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	224,537	250,677
Mortgage-backed securities	993,571	1,297,915
Total assets	1,244,878	1,580,217
Total liabilities	45,505	31,758
Measured on recurring basis | Level 2 | U.S. government and agencies
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	60,592	75,891
Measured on recurring basis | Level 2 | Government sponsored enterprises
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	39,201	46,085
Measured on recurring basis | Level 2 | States and political subdivisions
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	111,766	128,701
Measured on recurring basis | Level 2 | Corporate
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	12,978
Measured on recurring basis | Level 2 | GNMA
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	12,434	16,510
Collateralized mortgage obligations	364,553	492,328
Measured on recurring basis | Level 2 | FNMA
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	117,218	160,063
Collateralized mortgage obligations	185,588	269,060
Measured on recurring basis | Level 2 | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	74,991	100,055
Collateralized mortgage obligations	238,781	259,468
Measured on recurring basis | Level 2 | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	6	431
Measured on recurring basis | Level 2 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Measured on recurring basis | Level 2 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	128	371
Measured on recurring basis | Level 2 | Foreign exchange swap agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	23	341
Measured on recurring basis | Level 2 | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	26,642	31,254
Liability derivatives, fair value	45,464	31,357
Measured on recurring basis | Level 2 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	18	60
Measured on recurring basis | Level 3
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Mortgage-backed securities	0	0
Total assets	559	1,684
Total liabilities	0	0
Measured on recurring basis | Level 3 | U.S. government and agencies
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Measured on recurring basis | Level 3 | Government sponsored enterprises
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Measured on recurring basis | Level 3 | States and political subdivisions
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Measured on recurring basis | Level 3 | Corporate
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0
Measured on recurring basis | Level 3 | GNMA
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
Measured on recurring basis | Level 3 | FNMA
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
Measured on recurring basis | Level 3 | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
Measured on recurring basis | Level 3 | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Measured on recurring basis | Level 3 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	559	1,684
Measured on recurring basis | Level 3 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Measured on recurring basis | Level 3 | Foreign exchange swap agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	0	0
Measured on recurring basis | Level 3 | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative asset	0	0
Liability derivatives, fair value	0	0
Measured on recurring basis | Level 3 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Liability derivatives, fair value	$ 0	$ 0

Disclosures About Fair Value _5

Disclosures About Fair Value of Financial Instruments - Reconciliation of all Assets and Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3) (Details) - Level 3 - Debt securities - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3)
Balance at the beginning of the period	$ 1,684	$ 6,465
Net activity	(1,125)	(4,781)
Balance at the end of the period	$ 559	$ 1,684

Disclosures About Fair Value _6

Disclosures About Fair Value of Financial Instruments - Nonrecurring Assets that had Fair Market Values Below the Carrying Amount (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Level 1
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans receivable, net	$ 0	$ 0
Total assets	174,893	1,304,858
Level 2
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans receivable, net	0	0
Total assets	1,996,262	2,331,730
Level 3
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans receivable, net	9,910,852	9,648,825
Total assets	9,921,324	9,675,565
Fair Value, Measurements, Nonrecurring
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	95	380
Real estate owned, net	413	873
Total assets	15,924	48,221
Fair Value, Measurements, Nonrecurring | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans receivable, net	15,416	46,968
Fair Value, Measurements, Nonrecurring | Level 1
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	0	0
Real estate owned, net	0	0
Total assets	0	0
Fair Value, Measurements, Nonrecurring | Level 1 | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans receivable, net	0	0
Fair Value, Measurements, Nonrecurring | Level 2
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	0	0
Real estate owned, net	0	0
Total assets	0	0
Fair Value, Measurements, Nonrecurring | Level 2 | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans receivable, net	0	0
Fair Value, Measurements, Nonrecurring | Level 3
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	95	380
Real estate owned, net	413	873
Total assets	15,924	48,221
Fair Value, Measurements, Nonrecurring | Level 3 | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans receivable, net	$ 15,416	$ 46,968

Disclosures About Fair Value _7

Disclosures About Fair Value of Financial Instruments - Additional Quantitative Information, Assets Measured at Fair Value, Recurring and Nonrecurring Basis, Level 3 Input (Details)	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Quantitative information for Level 3 Fair Value Measurements Assets
Loans held for sale	$ 9,900,000	$ 25,100,000
Level 3
Quantitative information for Level 3 Fair Value Measurements Assets
Loans individually assessed	9,910,852,000	9,648,825,000
Loans held for sale	9,913,000	25,056,000
Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights	95,000	380,000
Real estate owned, net	413,000	873,000
Fair Value, Measurements, Nonrecurring | Level 3
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights	95,000	380,000
Real estate owned, net	413,000	873,000
Fair Value, Measurements, Nonrecurring | Loans individually assessed
Quantitative information for Level 3 Fair Value Measurements Assets
Loans individually assessed	15,416,000	46,968,000
Fair Value, Measurements, Nonrecurring | Loans individually assessed | Level 3
Quantitative information for Level 3 Fair Value Measurements Assets
Loans individually assessed	15,416,000	$ 46,968,000
Real estate owned, net | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Real estate owned, net	$ 413,000
Estimated cost to sell | Loans individually assessed | Appraisal value | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Loans individually assessed, measurement input	0.10
Estimated cost to sell | Real estate owned, net | Appraisal value | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Real estate owned, net, measurement input	0.10
Discount rate | Loans individually assessed | Discounted cash flow | Minimum | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Loans individually assessed, measurement input	0.0648
Discount rate | Loans individually assessed | Discounted cash flow | Weighted Average | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Loans individually assessed, measurement input	0.0648
Annual service cost | Discounted cash flow | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, measurement input	85
Prepayment rate | Discounted cash flow | Minimum | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, measurement input	0.066
Prepayment rate | Discounted cash flow | Maximum | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, measurement input	0.122
Prepayment rate | Discounted cash flow | Weighted Average | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, measurement input	0.090
Expected life (months) | Discounted cash flow | Minimum | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, term	58 months 6 days
Expected life (months) | Discounted cash flow | Maximum | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, term	105 months
Expected life (months) | Discounted cash flow | Weighted Average | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, term	77 months 18 days
Forward yield curve | Discounted cash flow | Minimum | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, measurement input	0.0412
Forward yield curve | Discounted cash flow | Maximum | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, measurement input	0.0504
Option adjusted spread | Discounted cash flow | Fair Value, Measurements, Nonrecurring
Quantitative information for Level 3 Fair Value Measurements Assets
Mortgage servicing rights, measurement input	0.0700
Estimated pull-through rate | Appraisal value
Quantitative information for Level 3 Fair Value Measurements Assets
Loans held for sale, measurement input	1

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Tier 1 capital (leverage to average assets)
Minimum capital requirements (as a percent)	2.50%	2.50%
Northwest Bank
Total capital (to risk weighted assets)
Actual amount	$ 1,568,202	$ 1,551,084
Actual ratio (as a percent)	0.14712	0.15738
Capital required for capital adequacy	$ 1,119,214	$ 1,034,819
Minimum capital requirements ratio (as a percent)	0.10500	0.10500
Well capitalized requirements amount	$ 1,065,918	$ 985,542
Well capitalized requirements ratio (as a percent)	0.10000	0.10000
Tier 1 capital (to risk weighted assets)
Actual amount	$ 1,452,962	$ 1,467,362
Actual ratio (as a percent)	0.13631	0.14889
Minimum capital requirements amount	$ 906,030	$ 837,711
Minimum capital requirements ratio	8.50%	8.50%
Well capitalized requirements amount	$ 852,734	$ 788,434
Well capitalized requirements ratio (as a percent)	0.08000	0.08000
CET 1 capital (to risk weighted assets)
Actual amount	$ 1,452,962	$ 1,467,362
Actual ratio (as a percent)	13.631%	14.889%
Minimum capital requirements amount	$ 746,143	$ 689,879
Minimum capital requirements ratio (as a percent)	7%	7%
Well capitalized requirements amount	$ 692,847	$ 640,602
Well capitalized requirements ratio (as a percent)	6.50%	6.50%
Tier 1 capital (leverage to average assets)
Actual ratio (as a percent)	0.10365	0.10296
Minimum capital requirements amount	$ 560,706	$ 570,047
Minimum capital requirements ratio (as a percent)	0.04000	0.04000
Well capitalized requirements amount	$ 700,882	$ 712,558
Well capitalized requirements ratio (as a percent)	0.05000	0.05000
Northwest Bancshares, Inc.
Total capital (to risk weighted assets)
Actual amount	$ 1,745,701	$ 1,682,487
Actual ratio (as a percent)	0.16363	0.17056
Capital required for capital adequacy	$ 1,120,216	$ 1,035,786
Minimum capital requirements ratio (as a percent)	0.10500	0.10500
Well capitalized requirements amount	$ 1,066,872	$ 986,463
Well capitalized requirements ratio (as a percent)	0.10000	0.10000
Tier 1 capital (to risk weighted assets)
Actual amount	$ 1,516,621	$ 1,475,190
Actual ratio (as a percent)	0.14216	0.14954
Minimum capital requirements amount	$ 906,841	$ 838,494
Minimum capital requirements ratio	8.50%	8.50%
Well capitalized requirements amount	$ 853,498	$ 789,170
Well capitalized requirements ratio (as a percent)	0.08000	0.08000
CET 1 capital (to risk weighted assets)
Actual amount	$ 1,391,296	$ 1,350,125
Actual ratio (as a percent)	13.041%	13.687%
Minimum capital requirements amount	$ 746,810	$ 690,524
Minimum capital requirements ratio (as a percent)	7%	7%
Well capitalized requirements amount	$ 693,467	$ 641,201
Well capitalized requirements ratio (as a percent)	6.50%	6.50%
Tier 1 capital (leverage to average assets)
Actual ratio (as a percent)	0.10817	0.10349
Minimum capital requirements amount	$ 560,816	$ 570,160
Minimum capital requirements ratio (as a percent)	0.04000	0.04000
Well capitalized requirements amount	$ 701,020	$ 712,699
Well capitalized requirements ratio (as a percent)	0.05000	0.05000

Components of Accumulated Oth_3

Components of Accumulated Other Comprehensive Income - Summary of Components (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accumulated other comprehensive income (net of tax)
Shareholders’ equity	$ 1,491,486	$ 1,583,571	$ 1,538,703	$ 1,353,285
Unrealized gain/(loss) on marketable securities available-for-sale
Accumulated other comprehensive income (net of tax)
Shareholders’ equity	(164,206)	(12,317)	16,843	3,147
Defined benefit pension plans
Accumulated other comprehensive income (net of tax)
Shareholders’ equity	(6,952)	(25,312)	(50,392)	(40,088)
Accumulated other comprehensive loss
Accumulated other comprehensive income (net of tax)
Shareholders’ equity	$ (171,158)	$ (37,629)	$ (33,549)	$ (36,941)

Components of Accumulated Oth_4

Components of Accumulated Other Comprehensive Income - Changes in Accumulated Other Comprehensive Income by Component (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Changes in accumulated other comprehensive income by component
Balance at beginning of the period	$ 1,583,571	$ 1,538,703	$ 1,353,285
Other comprehensive income/(loss) before reclassification adjustments	(133,004)	(5,125)	1,464
Amounts reclassified from accumulated other comprehensive income	(525)	1,045	1,928
Other comprehensive income/(loss)	(133,529)	(4,080)	3,392
Balance at end of the period	1,491,486	1,583,571	1,538,703
Unrealized holding gains and losses, tax	(45,321)	(10,333)	5,607
Unrealized holding losses, tax	0	0	(209)
Unrealized holding losses, tax	7,182	9,144	(4,169)
Realized gains, tax	0	(92)	(6)
Realized interest rate swaps, tax	0	0	209
Realized gains, tax	(202)	515	395
Cumulative Effect, Period of Adoption, Adjustment
Changes in accumulated other comprehensive income by component
Balance at beginning of the period			(9,649)
Accumulated other comprehensive loss
Changes in accumulated other comprehensive income by component
Balance at beginning of the period	(37,629)	(33,549)	(36,941)
Balance at end of the period	(171,158)	(37,629)	(33,549)
Unrealized gain/(loss) on marketable securities available-for-sale
Changes in accumulated other comprehensive income by component
Balance at beginning of the period	(12,317)	16,843	3,147
Other comprehensive income/(loss) before reclassification adjustments	(151,888)	(28,873)	13,711
Amounts reclassified from accumulated other comprehensive income	(1)	(287)	(15)
Other comprehensive income/(loss)	(151,889)	(29,160)	13,696
Balance at end of the period	(164,206)	(12,317)	16,843
Change in fair value of interest rate swaps
Changes in accumulated other comprehensive income by component
Balance at beginning of the period		0	0
Other comprehensive income/(loss) before reclassification adjustments			(946)
Amounts reclassified from accumulated other comprehensive income			946
Other comprehensive income/(loss)			0
Balance at end of the period			0
Defined benefit pension plans
Changes in accumulated other comprehensive income by component
Balance at beginning of the period	(25,312)	(50,392)	(40,088)
Other comprehensive income/(loss) before reclassification adjustments	18,884	23,748	(11,301)
Amounts reclassified from accumulated other comprehensive income	(524)	1,332	997
Other comprehensive income/(loss)	18,360	25,080	(10,304)
Balance at end of the period	$ (6,952)	$ (25,312)	$ (50,392)

Parent Company Only Financial_3

Parent Company Only Financial Statements - Condensed - Statements of Financial Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and cash equivalents	$ 139,365	$ 1,279,259
Other assets	205,574	144,126
Total assets	14,113,324	14,501,508
Liabilities:
Debentures payable	129,314	129,054
Other liabilities	182,126	178,664
Total liabilities	12,621,838	12,917,937
Shareholders’ equity	1,491,486	1,583,571	$ 1,538,703	$ 1,353,285
Total liabilities and shareholders’ equity	14,113,324	14,501,508
Parent Company
Assets
Cash and cash equivalents	174,102	128,001
Investment in bank subsidiary	1,656,159	1,674,360
Other assets	9,490	9,199
Total assets	1,839,751	1,811,560
Liabilities:
Debentures payable	243,154	252,629
Other liabilities	2,109	1,814
Total liabilities	245,263	254,443
Shareholders’ equity	1,594,488	1,557,117
Total liabilities and shareholders’ equity	$ 1,839,751	$ 1,811,560

Parent Company Only Financial_4

Parent Company Only Financial Statements - Condensed - Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income:
Interest income	$ 448,798	$ 418,508	$ 434,068
Expense:
Other expenses	15,686	8,349	16,494
Interest expense	28,117	27,246	42,340
Income before income taxes	173,692	201,124	92,526
Income tax benefit	40,026	46,801	17,672
Net income available to common shareholders	133,666	154,323	74,854
Parent Company
Income:
Interest income	140	87	196
Other income	805	527	553
Dividends from bank subsidiary	161,000	73,000	0
Undistributed earnings from equity investment in bank subsidiary	(18,187)	88,944	80,996
Total income	143,758	162,558	81,745
Expense:
Compensation and employee benefits	1,656	1,358	1,234
Other expenses	1,042	1,033	2,241
Interest expense	9,825	7,870	4,933
Total expense	12,523	10,261	8,408
Income before income taxes	131,235	152,297	73,337
Income tax benefit	(2,431)	(2,026)	(1,517)
Net income available to common shareholders	$ 133,666	$ 154,323	$ 74,854

Parent Company Only Financial_5

Parent Company Only Financial Statements - Condensed - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating activities:
Net income	$ 133,081	$ 153,313	$ 74,854
Adjustments to reconcile net income to net cash provided by operating activities:
Net cash provided by operating activities	175,431	205,458	140,435
Investing activities:
Net cash used in investing activities	(917,423)	(232,970)	(560,575)
Financing activities:
Cash dividends paid on common stock	(101,468)	(100,274)	(93,132)
Proceeds from stock options exercised	5,173	14,011	1,479
Net cash (used)/provided by financing activities	(397,902)	570,494	1,095,571
Net (decrease)/increase in cash and cash equivalents	(1,139,894)	542,982	675,431
Cash and cash equivalents at beginning of period	1,279,259	736,277	60,846
Cash and cash equivalents at end of period	139,365	1,279,259	736,277
Parent Company
Operating activities:
Net income	133,666	154,323	74,854
Adjustments to reconcile net income to net cash provided by operating activities:
Undistributed earnings of subsidiary	18,187	(88,944)	(80,996)
Net change in other assets and liabilities	(9,457)	597	128,287
Net cash provided by operating activities	142,396	65,976	122,145
Investing activities:
Net cash used in investing activities	0	0	0
Financing activities:
Cash dividends paid on common stock	(101,468)	(100,274)	(93,132)
Purchase of common stock for retirement	0	(23,854)	(9,276)
Proceeds from stock options exercised	5,173	14,011	1,479
Net cash (used)/provided by financing activities	(96,295)	(110,117)	(100,929)
Net (decrease)/increase in cash and cash equivalents	46,101	(44,141)	21,216
Cash and cash equivalents at beginning of period	128,001	172,142	150,926
Cash and cash equivalents at end of period	$ 174,102	$ 128,001	$ 172,142

Derivative Financial Instrume_3

Derivative Financial Instruments - Narrative (Details) - Designated as Hedging Instrument $ in Millions	1 Months Ended	3 Months Ended
	Mar. 31, 2020 USD ($) derivative	Sep. 30, 2020 USD ($)
Derivative [Line Items]
Reclassified loss earning		$ 1.3
Interest rate swaps not designated as hedging instruments
Derivative [Line Items]
Number of instruments held | derivative	4
Notional amount	$ 100
Interest rate swaps not designated as hedging instruments | Minimum
Derivative [Line Items]
Term of contract	5 years
Interest rate swaps not designated as hedging instruments | Maximum
Derivative [Line Items]
Term of contract	3 years

Derivative Financial Instrume_4

Derivative Financial Instruments - Schedule of Derivative Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivatives not designated as hedging instruments:
Derivative [Line Items]
Asset derivatives, notional amount	$ 675,750	$ 726,954
Derivative assets, fair value	27,329	33,309
Liability derivatives, notional amount	767,601	755,256
Liability derivatives, fair value	45,505	31,758
Derivatives not designated as hedging instruments: | Interest rate swap agreements
Derivative [Line Items]
Asset derivatives, notional amount	651,114	644,997
Derivative assets, fair value	26,642	31,254
Liability derivatives, notional amount	651,114	644,997
Liability derivatives, fair value	45,464	31,357
Derivatives not designated as hedging instruments: | Foreign exchange swap agreements
Derivative [Line Items]
Asset derivatives, notional amount	0	0
Derivative assets, fair value	0	0
Liability derivatives, notional amount	2,328	17,124
Liability derivatives, fair value	23	341
Derivatives not designated as hedging instruments: | Interest rate lock commitments
Derivative [Line Items]
Asset derivatives, notional amount	19,727	67,473
Derivative assets, fair value	559	1,684
Liability derivatives, notional amount	0	0
Liability derivatives, fair value	0	0
Derivatives not designated as hedging instruments: | Forward commitments
Derivative [Line Items]
Asset derivatives, notional amount	4,909	14,484
Derivative assets, fair value	128	371
Liability derivatives, notional amount	0	0
Liability derivatives, fair value	0	0
Derivatives not designated as hedging instruments: | Risk participation agreements
Derivative [Line Items]
Asset derivatives, notional amount	0	0
Derivative assets, fair value	0	0
Liability derivatives, notional amount	114,159	93,135
Liability derivatives, fair value	$ 18	$ 60

Derivative Financial Instrume_5

Derivative Financial Instruments - Gain (Loss) on Derivative Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Hedging derivatives:
Decrease in interest expense	$ 0	$ 0	$ (35)
(Decrease)/increase in other income
Non-hedging swap derivatives:
(Decrease)/increase in other income	(83)	1,033	(700)
Increase in mortgage banking income
Non-hedging swap derivatives:
(Decrease)/increase in other income	$ 1,368	$ 5,515	$ 6,867

Uncategorized Items - nwbi-2022

Label	Element	Value
Accounting Standards Update [Extensible Enumeration]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2018-02 [Member]