Northwest Bancshares (NWBI) 10-Q 3 May 24 2024 Q1 Quarterly report Financial data

Cover

Cover - shares	3 Months Ended
	Mar. 31, 2024	Apr. 30, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
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, Address Line Two	Suite 500
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
Entity Shell Company	false
Title of 12(b) Security	Common Stock, $0.01 Par Value
Trading Symbol	NWBI
Security Exchange Name	NASDAQ
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
Entity Common Stock, Shares Outstanding		127,264,095
Entity Central Index Key	0001471265
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 119,319	$ 122,260
Marketable securities available-for-sale (amortized cost of $1,298,108 and $1,240,003, respectively)	1,094,009	1,043,359
Marketable securities held-to-maturity (fair value of $680,353 and $699,506, respectively)	801,107	814,839
Total cash and cash equivalents and marketable securities	2,014,435	1,980,458
Loans held-for-sale	8,082	8,768
Loans held for investment	11,493,164	11,406,041
Allowance for credit losses	(124,897)	(125,243)
Loans receivable, net	11,376,349	11,289,566
FHLB stock, at cost	30,811	30,146
Accrued interest receivable	50,680	47,353
Real estate owned, net	50	104
Premises and equipment, net	130,565	138,838
Bank-owned life insurance	252,842	251,895
Goodwill	380,997	380,997
Other intangible assets, net	4,589	5,290
Other assets	268,945	294,458
Total assets	14,510,263	14,419,105
Liabilities:
Noninterest-bearing demand deposits	2,618,379	2,669,023
Interest-bearing demand deposits	2,557,866	2,634,546
Money market deposit accounts	1,952,537	1,968,218
Savings deposits	2,156,048	2,105,234
Time deposits	2,786,814	2,602,881
Total deposits	12,071,644	11,979,902
Borrowed funds	400,783	398,895
Subordinated debt	114,276	114,189
Junior subordinated debentures	129,639	129,574
Advances by borrowers for taxes and insurance	46,970	45,253
Accrued interest payable	17,395	13,669
Other liabilities	177,107	186,306
Total liabilities	12,957,814	12,867,788
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, 127,253,189 and 127,110,453 shares issued and outstanding, respectively	1,273	1,271
Additional paid-in capital	1,026,173	1,024,852
Retained earnings	678,427	674,686
Accumulated other comprehensive loss	(153,424)	(149,492)
Total shareholders’ equity	1,552,449	1,551,317
Total liabilities and shareholders’ equity	$ 14,510,263	$ 14,419,105

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Marketable securities available-for-sale, amortized cost	$ 1,298,108	$ 1,240,003
Securities held-to-maturity	$ 680,353	$ 699,506
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)	127,253,189	127,110,453
Common stock, shares outstanding (in shares)	127,253,189	127,110,453

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans receivable	$ 149,571	$ 123,745
Mortgage-backed securities	7,944	8,537
Taxable investment securities	794	845
Tax-free investment securities	491	700
FHLB stock dividends	607	690
Interest-earning deposits	832	423
Total interest income	160,239	134,940
Interest expense:
Deposits	47,686	11,238
Borrowed funds	9,315	11,238
Total interest expense	57,001	22,476
Net interest income	103,238	112,464
Provision for credit losses - loans	4,234	4,870
Provision for credit losses - unfunded commitments	(799)	126
Net interest income after provision for credit losses	99,803	107,468
Noninterest income:
Gain on sale of SBA loans	873	279
Service charges and fees	15,523	13,189
Trust and other financial services income	7,127	6,449
Gain on real estate owned, net	57	108
Income from bank-owned life insurance	1,502	1,269
Mortgage banking income	452	524
Other operating income	2,429	2,151
Total noninterest income	27,963	23,969
Noninterest expense:
Compensation and employee benefits	51,540	46,604
Premises and occupancy costs	7,627	7,471
Office operations	2,767	3,010
Collections expense	336	387
Processing expenses	14,725	14,350
Marketing expenses	2,149	2,892
Federal deposit insurance premiums	3,023	2,223
Professional services	4,065	4,758
Amortization of intangible assets	701	909
Real estate owned expense	66	181
Merger, asset disposition and restructuring expense	955	2,802
Other expenses	2,070	1,863
Total noninterest expense	90,024	87,450
Income before income taxes	37,742	43,987
Federal and state income taxes expense	8,579	10,308
Net income	$ 29,163	$ 33,679
Basic earnings per share (in dollars per share)	$ 0.23	$ 0.27
Diluted earnings per share (in dollars per share)	$ 0.23	$ 0.26

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME/(LOSS) (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 29,163	$ 33,679
Net unrealized holding (losses)/gains on marketable securities:
Unrealized holding (losses)/gains, net of tax of $1,758 and ($3,308), respectively	(5,698)	13,017
Reclassification adjustment for losses/(gains) included in net income, net of tax of $0 and $0, respectively	0	0
Net unrealized holding (losses)/gains on marketable securities	(5,698)	13,017
Change in fair value of interest rate swaps, net of tax of ($630) and $0, respectively	2,154	0
Defined benefit plan:
Actuarial reclassification adjustments for prior period service costs and actuarial gains included in net income, net of tax of $147 and $152, respectively	(388)	(382)
Other comprehensive (loss)/income	(3,932)	12,635
Total comprehensive income	$ 25,231	$ 46,314

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME/(LOSS) (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statement of Comprehensive Income [Abstract]
Unrealized holding losses, tax	$ 1,758	$ (3,308)
Reclassification adjustment for gains included in net income, tax	0	0
Change in fair value of interest rate swaps, tax	(630)	0
Actuarial reclassification adjustments for prior period service costs and actuarial gains included in net income, tax	$ 147	$ 152

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) - USD ($) $ in Thousands	Total	ASU 2022-02 Adoption	Common stock	Additional paid-in capital	Retained earnings	Retained earnings ASU 2022-02 Adoption	Accumulated other comprehensive income/(loss)
Beginning balance (in shares) at Dec. 31, 2022			127,028,848
Beginning balance at Dec. 31, 2022	$ 1,491,486	$ (329)	$ 1,270	$ 1,019,647	$ 641,727	$ (329)	$ (171,158)
Comprehensive income:
Net income	33,679				33,679
Other comprehensive income (loss), net of tax	12,635						12,635
Total comprehensive income	46,314				33,679		12,635
Exercise of stock options (in shares)			38,218
Exercise of stock options	465		$ 1	464
Stock-based compensation expense (in shares)			33,048
Stock-based compensation expense	744			744
Stock-based compensation forfeited (in shares)			(34,714)
Dividends paid	(25,405)				(25,405)
Ending balance (in shares) at Mar. 31, 2023			127,065,400
Ending balance at Mar. 31, 2023	$ 1,513,275		$ 1,271	1,020,855	649,672		(158,523)
Beginning balance (in shares) at Dec. 31, 2023	127,110,453		127,110,453
Beginning balance at Dec. 31, 2023	$ 1,551,317		$ 1,271	1,024,852	674,686		(149,492)
Comprehensive income:
Net income	29,163				29,163
Other comprehensive income (loss), net of tax	(3,932)						(3,932)
Total comprehensive income	25,231				29,163		(3,932)
Exercise of stock options (in shares)			10
Exercise of stock options	20			20
Stock-based compensation expense (in shares)			146,086
Stock-based compensation expense	1,303		$ 2	1,301
Stock-based compensation forfeited (in shares)			(3,360)
Dividends paid	$ (25,422)				(25,422)
Ending balance (in shares) at Mar. 31, 2024	127,253,189		127,253,189
Ending balance at Mar. 31, 2024	$ 1,552,449		$ 1,273	$ 1,026,173	$ 678,427		$ (153,424)

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statement of Stockholders' Equity [Abstract]
Other comprehensive loss, net of tax	$ 1,275	$ (3,157)
Dividends paid, per share (in dollars per share)	$ 0.20	$ 0.20

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Operating activities:
Net income	$ 29,163	$ 33,679
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	3,435	4,996
Net (gain)/loss on sale of assets	(6,023)	1,254
Mortgage banking activity	(794)	(179)
Gain on sale of SBA loans	(852)	0
Net depreciation, amortization and accretion	4,646	2,154
Decrease in other assets	33,565	6,958
Decrease in other liabilities	(2,427)	(24,494)
Net amortization on marketable securities	625	876
Noncash compensation expense related to stock benefit plans	1,303	744
Noncash write-down of other assets	5,929	37
Origination of loans held-for-sale	(43,052)	(30,712)
Proceeds from sale of loans held-for-sale	45,183	34,530
Net cash provided by operating activities	70,701	29,843
Investing activities:
Purchase of marketable securities available-for-sale	(79,052)	0
Proceeds from maturities and principal reductions of marketable securities held-to-maturity	13,553	15,028
Proceeds from maturities and principal reductions of marketable securities available-for-sale	20,501	28,246
Proceeds from bank-owned life insurance	0	1,633
Loan originations	(1,055,402)	(923,686)
Proceeds from loan maturities and principal reductions	962,835	748,472
Net redemptions of FHLB stock	(665)	(1,376)
Proceeds from sale of real estate owned	114	186
(Purchases)/disposals of premises and equipment, net	(5,471)	1,340
Net cash used in investing activities	(143,587)	(130,157)
Financing activities:
Net increase in deposits	91,742	72,631
Net increase in short-term borrowings	1,888	7,475
Increase in advances by borrowers for taxes and insurance	1,717	2,280
Cash dividends paid on common stock	(25,422)	(25,405)
Proceeds from stock options exercised	20	465
Net cash provided by financing activities	69,945	57,446
Net decrease in cash and cash equivalents	(2,941)	(42,868)
Cash and cash equivalents at beginning of period	122,260	139,365
Net decrease in cash and cash equivalents	(2,941)	(42,868)
Cash and cash equivalents at end of period	119,319	96,497
Cash paid during the period for:
Interest on deposits and borrowings (including interest credited to deposit accounts of $37,257 and $10,676, respectively)	53,275	23,471
Income taxes	612	291
Non-cash activities:
Loan foreclosures and repossessions	$ 1,148	$ 847

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statement of Cash Flows [Abstract]
Interest on deposits and borrowings, interest credited to deposit accounts	$ 37,257	$ 10,676

Basis of Presentation and Infor

Basis of Presentation and Informational Disclosures	3 Months Ended
	Mar. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation and Informational Disclosures	Basis of Presentation and Informational Disclosures Northwest Bancshares, Inc. (the “Company” or “NWBI”), a Maryland corporation headquartered in Columbus, Ohio, is a bank holding company regulated by the Board of Governors of the Federal Reserve System (“FRB”). The primary activity of the Company is the ownership of all of the issued and outstanding common stock of Northwest Bank, a Pennsylvania-chartered savings bank (“Northwest”). Northwest is regulated by the Federal Deposit Insurance Corporation (“FDIC”) and the Pennsylvania Department of Banking. Northwest operates 142 community-banking offices throughout Pennsylvania, Western New York, Eastern Ohio, and Indiana. The accompanying unaudited Consolidated Financial Statements include the accounts of the Company and its subsidiary, Northwest, and Northwest’s subsidiaries Northwest Capital Group, Inc., Great Northwest Corporation, and Mutual Federal Interest Company, Inc. The unaudited Consolidated Financial Statements have been prepared in accordance with United States generally accepted accounting principles for interim financial information and with the instructions for Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information or footnotes required for complete annual financial statements. In the opinion of management, all adjustments necessary for the fair presentation of the Company’s financial position and results of operations have been included. The Consolidated Financial Statements have been prepared using the accounting policies described in the financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 updated, as required, for any new pronouncements or changes. Certain items previously reported have been reclassified to conform to the current year’s reporting format. The results of operations for the quarter ended March 31, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024, or any other period. Recently Adopted Accounting Standards In March 2023, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2023-02, " Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method

Marketable Securities

Marketable Securities	3 Months Ended
	Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Marketable Securities	Marketable Securities The following table shows the portfolio of marketable securities available-for-sale at March 31, 2024 (in thousands): Amortized Gross Gross Fair Debt issued by the U.S government and agencies: Due after one year through five years $ 20,000 — (1,204) 18,796 Due after ten years 48,182 — (10,260) 37,922 Debt issued by government-sponsored enterprises: Due after one year through five years 45,987 — (5,819) 40,168 Due after five years through ten years 360 — (9) 351 Municipal securities: Due after one year through five years 4,279 14 (426) 3,867 Due after five years through ten years 27,921 47 (1,886) 26,082 Due after ten years 53,464 — (9,142) 44,322 Corporate debt issues: Due after five years through ten years 8,467 — (833) 7,634 Residential mortgage-backed securities: Fixed rate pass-through 232,854 93 (26,711) 206,236 Variable rate pass-through 6,738 12 (69) 6,681 Fixed rate agency CMOs 776,087 — (147,127) 628,960 Variable rate agency CMOs 73,769 35 (814) 72,990 Total residential mortgage-backed securities 1,089,448 140 (174,721) 914,867 Total marketable securities available-for-sale $ 1,298,108 201 (204,300) 1,094,009 The following table shows the portfolio of marketable securities available-for-sale at December 31, 2023 (in thousands): Amortized Gross Gross Fair Debt issued by the U.S. government and agencies: Due after one year through five years $ 20,000 — (1,135) 18,865 Due after ten years 49,383 — (9,934) 39,449 Debt issued by government-sponsored enterprises: Due after one year through five years 45,986 — (5,763) 40,223 Due after five years through ten years 386 — (12) 374 Municipal securities: Due after one year through five years 4,279 22 (427) 3,874 Due after five years through ten years 20,725 — (1,437) 19,288 Due after ten years 60,762 125 (8,580) 52,307 Corporate debt issues: Due after five years through ten years 8,466 — (778) 7,688 Residential mortgage-backed securities: Fixed rate pass-through 209,069 27 (25,222) 183,874 Variable rate pass-through 7,140 11 (71) 7,080 Fixed rate agency CMOs 789,842 — (143,055) 646,787 Variable rate agency CMOs 23,965 38 (453) 23,550 Total residential mortgage-backed securities 1,030,016 76 (168,801) 861,291 Total marketable securities available-for-sale $ 1,240,003 223 (196,867) 1,043,359 The following table shows the portfolio of marketable securities held-to-maturity at March 31, 2024 (in thousands): Amortized Gross Gross Fair Debt issued by government-sponsored enterprises: Due after one year through five years $ 89,472 — (11,232) 78,240 Due after five years through ten years 34,987 — (5,877) 29,110 Residential mortgage-backed securities: Fixed rate pass-through 144,158 — (21,062) 123,096 Variable rate pass-through 432 1 — 433 Fixed rate agency CMOs 531,529 — (82,578) 448,951 Variable rate agency CMOs 529 — (6) 523 Total residential mortgage-backed securities 676,648 1 (103,646) 573,003 Total marketable securities held-to-maturity $ 801,107 1 (120,755) 680,353 The following table shows the portfolio of marketable securities held-to-maturity at December 31, 2023 (in thousands): Amortized Gross Gross Fair Debt issued by government-sponsored enterprises: Due after one year through five years $ 69,471 — (8,100) 61,371 Due after five years through ten years 54,987 — (8,700) 46,287 Residential mortgage-backed securities: Fixed rate pass-through 147,874 — (20,834) 127,040 Variable rate pass-through 449 1 — 450 Fixed rate agency CMOs 541,529 — (77,694) 463,835 Variable rate agency CMOs 529 — (6) 523 Total residential mortgage-backed securities 690,381 1 (98,534) 591,848 Total marketable securities held-to-maturity $ 814,839 1 (115,334) 699,506 The following table shows the contractual maturity of our residential mortgage-backed securities available-for-sale at March 31, 2024 (in thousands): Amortized Fair Residential mortgage-backed securities: Due within one year $ 116 116 Due after one year through five years 22,934 21,419 Due after five years through ten years 26,966 25,177 Due after ten years 1,039,432 868,155 Total residential mortgage-backed securities $ 1,089,448 914,867 The following table shows the contractual maturity of our residential mortgage-backed securities held-to-maturity at March 31, 2024 (in thousands): Amortized Fair Residential mortgage-backed securities: Due in less than one year $ 38 38 Due after one year through five years 20,144 17,635 Due after five years through ten years 20,209 16,304 Due after ten years 636,257 539,026 Total residential mortgage-backed securities $ 676,648 573,003 The following table shows the fair value of 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 March 31, 2024 (in thousands): Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government-sponsored enterprises $ — — 204,587 (34,401) 204,587 (34,401) Municipal securities 498 (2) 67,691 (11,452) 68,189 (11,454) Corporate issues — — 7,634 (833) 7,634 (833) Residential mortgage-backed securities - agency 57,715 (855) 1,380,123 (277,512) 1,437,838 (278,367) Total $ 58,213 (857) 1,660,035 (324,198) 1,718,248 (325,055) The following table shows the fair value of 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, 2023 (in thousands): Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government-sponsored enterprises $ — — 206,569 (33,644) 206,569 (33,644) Corporate debt issues — — 7,688 (778) 7,688 (778) Municipal securities 2,753 (81) 66,046 (10,363) 68,799 (10,444) Residential mortgage-backed securities - agency 17,976 (242) 1,423,707 (267,093) 1,441,683 (267,335) Total $ 20,729 (323) 1,704,010 (311,878) 1,724,739 (312,201) The Company does not believe that the available-for-sale debt securities that were in an unrealized loss position as of March 31, 2024, which were comprised of 497 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 securities issued by local municipalities and the corporate debt issues 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. As of March 31, 2024, t he Company does not have the intent to sell these investment securities and it is more likely than not 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 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 March 31, 2024. The following table presents the credit quality of our held-to-maturity securities, based on the latest information available as of March 31, 2024 (in thousands). The credit ratings are sourced from nationally recognized rating agencies, which include Moody’s and S&P, and 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 March 31, 2024. AA+ Total Held-to-maturity securities (at amortized cost): Debt issued by the U.S. government-sponsored enterprises $ 124,459 124,459 Residential mortgage-backed securities 676,648 676,648 Total marketable securities held-to-maturity $ 801,107 801,107

Loans Receivable

Loans Receivable	3 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
Loans Receivable	Loans Receivable The following table shows a summary of our loans receivable at amortized cost basis at March 31, 2024 and December 31, 2023 (in thousands): March 31, 2024 December 31, 2023 Originated (1) Acquired (2) Total Originated (1) Acquired (2) Total Personal Banking: Residential mortgage loans (3) $ 3,243,079 139,769 3,382,848 3,283,299 144,886 3,428,185 Home equity loans 1,079,671 116,936 1,196,607 1,103,410 124,448 1,227,858 Vehicle loans 1,944,752 60,104 2,004,856 1,943,540 65,061 2,008,601 Consumer loans 108,035 5,476 113,511 111,446 5,980 117,426 Total Personal Banking 6,375,537 322,285 6,697,822 6,441,695 340,375 6,782,070 Commercial Banking: Commercial real estate loans (4) 2,436,853 227,137 2,663,990 2,389,537 238,920 2,628,457 Commercial real estate loans - owner occupied 338,744 25,794 364,538 319,195 26,358 345,553 Commercial loans 1,743,656 31,240 1,774,896 1,623,481 35,248 1,658,729 Total Commercial Banking 4,519,253 284,171 4,803,424 4,332,213 300,526 4,632,739 Total loans receivable, gross 10,894,790 606,456 11,501,246 10,773,908 640,901 11,414,809 Allowance for credit losses (118,837) (6,060) (124,897) (118,079) (7,164) (125,243) Total loans receivable, net (5) $ 10,775,953 600,396 11,376,349 10,655,829 633,737 11,289,566 (1) Includes originated and loan pools purchased in an asset acquisition. (2) Includes loans subject to purchase accounting in a business combination. (3) Includes $8 million and $9 million of loans held-for-sale at March 31, 2024 and December 31, 2023, respectively. (4) Includes $213,000 and $0 of loans held-for-sale at March 31, 2024 and December 31, 2023, respectively. (5) Includes $68 million of net unearned income, unamortized premiums and discounts and deferred fees and costs at March 31, 2024 and December 31, 2023. The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended March 31, 2024 (in thousands): Balance as of March 31, 2024 Current period provision Charge-offs Recoveries Balance as of December 31, 2023 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 16,821 (1,399) (162) 189 18,193 Home equity loans 5,334 145 (412) 198 5,403 Vehicle loans 21,061 (3,694) (2,588) 432 26,911 Consumer loans 1,452 1,849 (1,985) 389 1,199 Total Personal Banking 44,668 (3,099) (5,147) 1,208 51,706 Commercial Banking: Commercial real estate loans 54,474 3,073 (349) 483 51,267 Commercial real estate loans - owner occupied 4,055 272 — 8 3,775 Commercial loans 21,700 3,988 (1,163) 380 18,495 Total Commercial Banking 80,229 7,333 (1,512) 871 73,537 Total $ 124,897 4,234 (6,659) 2,079 125,243 Allowance for Credit Losses - off-balance sheet exposure Personal Banking: Residential mortgage loans $ 1 (1) — — 2 Home equity loans 64 (1) — — 65 Total Personal Banking 65 (2) — — 67 Commercial Banking: Commercial real estate loans 6,218 71 — — 6,147 Commercial real estate loans - owner occupied 154 (19) — — 173 Commercial loans 9,887 (849) — — 10,736 Total Commercial Banking 16,259 (797) — — 17,056 Total off-balance sheet exposure $ 16,324 (799) — — 17,123 The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended March 31, 2023 (in thousands): Balance as of March 31, 2023 Current period provision Charge-offs Recoveries ASU 2022-02 Adoption Balance as of December 31, 2022 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 19,238 (1) (207) 185 — 19,261 Home equity loans 5,481 (450) (164) 193 — 5,902 Vehicle loans 26,166 4,253 (1,668) 522 — 23,059 Consumer loans 732 796 (1,066) 337 — 665 Total Personal Banking 51,617 4,598 (3,105) 1,237 — 48,887 Commercial Banking: Commercial real estate loans 45,404 121 (657) 1,008 426 44,506 Commercial real estate loans - owner occupied 3,351 (674) — 21 — 4,004 Commercial loans 20,885 825 (865) 286 — 20,639 Total Commercial Banking 69,640 272 (1,522) 1,315 426 69,149 Total $ 121,257 4,870 (4,627) 2,552 426 118,036 Allowance for Credit Losses - off-balance sheet exposure Personal Banking: Residential mortgage loans $ 3 (1) — — — 4 Home equity loans 60 (14) — — — 74 Total Personal Banking 63 (15) — — — 78 Commercial Banking: Commercial real estate loans 5,924 549 — — — 5,375 Commercial real estate loans - owner occupied 441 62 — — — 379 Commercial loans 6,611 (470) — — — 7,081 Total Commercial Banking 12,976 141 — — — 12,835 Total off-balance sheet exposure $ 13,039 126 — — — 12,913 The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at March 31, 2024 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 3,382,848 16,821 7,109 1,509 Home equity loans 1,196,607 5,334 4,409 1 Vehicle loans 2,004,856 21,061 4,360 59 Consumer loans 113,511 1,452 269 627 Total Personal Banking 6,697,822 44,668 16,147 2,196 Commercial Banking: Commercial real estate loans 2,663,990 54,474 73,133 — Commercial real estate loans - owner occupied 364,538 4,055 1,319 — Commercial loans 1,774,896 21,700 4,461 256 Total Commercial Banking 4,803,424 80,229 78,913 256 Total $ 11,501,246 124,897 95,060 2,452 The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2023 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 3,428,185 18,193 8,727 1,671 Home equity loans 1,227,858 5,403 4,492 26 Vehicle loans 2,008,601 26,911 4,816 44 Consumer loans 117,426 1,199 229 722 Total Personal Banking 6,782,070 51,706 18,264 2,463 Commercial Banking: Commercial real estate loans 2,628,457 51,267 71,297 225 Commercial real estate loans - owner occupied 345,553 3,775 676 — Commercial loans 1,658,729 18,495 4,147 10 Total Commercial Banking 4,632,739 73,537 76,120 235 Total $ 11,414,809 125,243 94,384 2,698 We present the amortized cost of our loans on nonaccrual status including such loans with no allowance. The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the quarter ended March 31, 2024 (in thousands): March 31, 2024 Nonaccrual loans at January 1, 2024 Nonaccrual loans with an allowance Nonaccrual loans with no allowance Total nonaccrual loans at the end of the period Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 8,727 6,703 406 7,109 1,509 Home equity loans 4,492 4,254 155 4,409 1 Vehicle loans 4,816 3,481 879 4,360 59 Consumer loans 229 269 — 269 627 Total Personal Banking 18,264 14,707 1,440 16,147 2,196 Commercial Banking: Commercial real estate loans 71,297 50,794 22,339 73,133 — Commercial real estate loans - owner occupied 676 1,319 — 1,319 — Commercial loans 4,147 4,305 156 4,461 256 Total Commercial Banking 76,120 56,418 22,495 78,913 256 Total $ 94,384 71,125 23,935 95,060 2,452 During the quarter ended March 31, 2024, we did not recognize any interest income on nonaccrual loans. The following table presents the amortized cost of our loans on nonaccrual status as of the year ended December 31, 2023 (in thousands): December 31, 2023 Nonaccrual loans at January 1, 2023 Nonaccrual loans with an allowance Nonaccrual loans with no allowance Total nonaccrual loans at the end of the period Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 7,574 8,304 423 8,727 1,671 Home equity loans 4,145 4,084 408 4,492 26 Vehicle loans 3,771 4,187 629 4,816 44 Consumer loans 256 229 — 229 722 Total Personal Banking 15,746 16,804 1,460 18,264 2,463 Commercial Banking: Commercial real estate loans 62,239 47,359 23,938 71,297 225 Commercial real estate loans - owner occupied 624 676 — 676 — Commercial loans 2,627 3,996 151 4,147 10 Total Commercial Banking 65,490 52,031 24,089 76,120 235 Total $ 81,236 68,835 25,549 94,384 2,698 During the year ended December 31, 2023, we did not recognize any interest income on nonaccrual loans. A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. The following table presents the amortized cost basis of collateral-dependent loans by class of loans and collateral type as of as of March 31, 2024 (in thousands): Real estate Equipment Total Commercial Banking: Commercial real estate loans $ 66,587 1,256 67,843 Commercial loans 146 — 146 Total Commercial Banking 66,733 1,256 67,989 Total $ 66,733 1,256 67,989 The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2023 (in thousands): Real estate Total Commercial Banking: Commercial real estate loans $ 66,934 66,934 Commercial loans 150 150 Total Commercial Banking 67,084 67,084 Total $ 67,084 67,084 Occasionally, the Company modifies loans to borrowers in financial distress by providing principal forgiveness, term extensions, an other-than-insignificant payment delay, or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged off against the allowance for credit losses. In some cases, the Company provides multiple types of concessions to one loan. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. For loans included in the "combination" columns below, multiple types of modifications have been made on the same loan within the current reporting period. The combination is at least two of the following: a term extension, principal forgiveness, an other-than-insignificant payment delay, and/or an interest rate reduction. The following table presents the amortized cost basis of loans for the periods indicated that were both experiencing financial difficulty and modified during the respective period, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financial receivable is also presented below (dollars in thousands). For the quarter ended March 31, 2024 2023 Payment delay Term extension Combination term extension and interest rate reduction Total class of financing receivable Term extension Combination term extension and interest rate reduction Total class of financing receivable Personal Banking: Residential mortgage loans $ 364 490 — 0.03 % 180 — 0.01 % Home equity loans — 552 84 0.05 % 110 — 0.01 % Consumer loans — — 2 — % — 3 — % Total Personal Banking 364 1,042 86 0.02 % 290 3 — % Commercial Banking: Commercial real estate loans 28,877 243 — 1.09 % 242 — 0.01 % Commercial loans — 56 10 — % 765 — 0.06 % Total Commercial Banking 28,877 299 10 0.61 % 1,007 — 0.02 % Total $ 29,241 1,341 96 0.27 % 1,297 3 0.01 % As of March 31, 2024 and December 31, 2023, t he Company has committed to lend additional amounts totaling $41,000 and $31,000, respectively, to the borrowers experiencing financial difficulty for which the terms of the loan have been modified. The following table presents the effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicated: For the quarter ended March 31, 2024 2023 Weighted-average interest rate reduction Weighted-average term extension in months Weighted-average payment deferral in years Weighted-average interest rate reduction Weighted-average term extension in months Personal Banking: Residential mortgage loans — % 143 0.50 — % 147 Home equity loans 2 % 97 — — % 115 Consumer loans 12 % 356 — 12 % 356 Total Personal Banking 3 % 118 0.50 12 % 137 Commercial Banking: Commercial real estate loans — % 106 1.00 — % 24 Commercial loans 4 % 118 — — % 9 Total Commercial Banking 4 % 108 1.00 — % 13 Total loans 3 % 116 1.00 12 % 41 The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of loans modified within the previous twelve months of March 31, 2024 : Current 30-59 days 60-89 days 90 days or Personal Banking: Residential mortgage loans $ 406 84 — 364 Home equity loans 616 3 — 17 Consumer loans 2 — — — Total Personal Banking 1,024 87 — 381 Commercial Banking: Commercial real estate loans 29,121 — — — Commercial loans 10 9 47 — Total Commercial Banking 29,131 9 47 — Total loans $ 30,155 96 47 381 All loans modified since the adoption of ASU 2022-02 were current on their payments as of March 31, 2023. A modification is considered to be in default when the loan is 90 days or more past due. The following table provides the amortized cost basis of financing receivables that had a payment default during the period ended March 31, 2024 and were modified within the previous twelve months to borrowers experiencing financial difficulty (in thousands) : Term extension Payment delay Personal Banking: Residential mortgage loans $ — $ 364 Home equity loans 17 — Total Personal Banking 17 364 Total $ 17 $ 364 No loans modified since the adoption of ASU 2022-02 subsequently defaulted during the quarter ended March 31, 2023. The modifications to borrowers experiencing financial distress are included in their respective portfolio segment and the current loan balance and updated loan terms are run through their respective ACL models to arrive at the quantitative portion of the ACL. Subsequent performance of the loans will be measured by delinquency status and will be captured through our ACL models or our qualitative factor assessment, as deemed appropriate. If we no longer believe the loan demonstrates similar risks to their respective portfolio segment an individual assessment will be performed. Upon the Company's determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. The following table provides information related to the amortized cost basis of loan payment delinquencies at March 31, 2024 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 38,502 70 5,813 44,385 3,338,463 3,382,848 1,509 Home equity loans 4,608 761 2,823 8,192 1,188,415 1,196,607 1 Vehicle loans 9,177 2,246 2,496 13,919 1,990,937 2,004,856 59 Consumer loans 734 299 849 1,882 111,629 113,511 627 Total Personal Banking 53,021 3,376 11,981 68,378 6,629,444 6,697,822 2,196 Commercial Banking: Commercial real estate loans 6,181 807 6,041 13,029 2,650,961 2,663,990 — Commercial real estate loans - owner occupied 215 — 890 1,105 363,433 364,538 — Commercial loans 3,091 1,284 3,421 7,796 1,767,100 1,774,896 256 Total Commercial Banking 9,487 2,091 10,352 21,930 4,781,494 4,803,424 256 Total loans $ 62,508 5,467 22,333 90,308 11,410,938 11,501,246 2,452 The following table provides information related to the amortized cost basis of loan payment delinquencies at December 31, 2023 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 30,041 7,796 7,995 45,832 3,382,353 3,428,185 1,671 Home equity loans 5,761 982 3,126 9,869 1,217,989 1,227,858 26 Vehicle loans 10,382 3,326 3,051 16,759 1,991,842 2,008,601 44 Consumer loans 829 428 927 2,184 115,242 117,426 722 Total Personal Banking 47,013 12,532 15,099 74,644 6,707,426 6,782,070 2,463 Commercial Banking: Commercial real estate loans 2,010 1,031 6,535 9,576 2,618,881 2,628,457 225 Commercial real estate loans - owner occupied 1,194 — 177 1,371 344,182 345,553 — Commercial loans 4,196 703 2,780 7,679 1,651,050 1,658,729 10 Total Commercial Banking 7,400 1,734 9,492 18,626 4,614,113 4,632,739 235 Total originated loans $ 54,413 14,266 24,591 93,270 11,321,539 11,414,809 2,698 Credit Quality Indicators: For Commercial Banking 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 90 days or greater 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, or homogenous retail loans that are greater than 180 days past due from the required 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. The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator and the current period charge-offs by year of origination for each portfolio segment as of March 31, 2024 (in thousands): YTD March 31, 2024 2023 2022 2021 2020 Prior Revolving loans Revolving loans converted to term loans Total loans Personal Banking: Residential mortgage loans Pass $ 7,577 192,489 660,443 782,217 496,755 1,230,826 — — 3,370,307 Substandard — 89 2,551 357 1,208 8,336 — — 12,541 Total residential mortgage loans 7,577 192,578 662,994 782,574 497,963 1,239,162 — — 3,382,848 Residential mortgage current period charge-offs — — — — (113) (49) — — (162) Home equity loans Pass 5,488 67,059 97,697 101,645 140,326 276,751 460,391 42,600 1,191,957 Substandard — — 98 54 197 2,027 1,086 1,188 4,650 Total home equity loans 5,488 67,059 97,795 101,699 140,523 278,778 461,477 43,788 1,196,607 Home equity current period charge-offs — — (35) (2) — (154) (189) (32) (412) Vehicle loans Pass 196,998 615,730 618,045 351,286 113,020 105,357 — — 2,000,436 Substandard — 753 1,310 1,274 257 826 — — 4,420 Total vehicle loans 196,998 616,483 619,355 352,560 113,277 106,183 — — 2,004,856 Vehicle current period charge-offs — (715) (664) (748) (117) (344) — — (2,588) Consumer loans Pass 7,204 21,506 10,028 4,627 1,667 5,099 61,766 717 112,614 Substandard — 51 63 9 — 51 622 101 897 Total consumer loans 7,204 21,557 10,091 4,636 1,667 5,150 62,388 818 113,511 Consumer loan current period charge-offs (13) (1,263) (139) (83) (13) (247) (206) (21) (1,985) Total Personal Banking 217,267 897,677 1,390,235 1,241,469 753,430 1,629,273 523,865 44,606 6,697,822 Commercial Banking: Commercial real estate loans Pass 62,822 232,766 496,664 303,781 319,596 931,515 28,002 24,423 2,399,569 Special mention — 2,831 24,683 27,294 7,111 28,946 733 — 91,598 Substandard 1,256 1,909 2,779 29,626 19,575 117,501 78 99 172,823 Total commercial real estate loans 64,078 237,506 524,126 360,701 346,282 1,077,962 28,813 24,522 2,663,990 Commercial real estate current period charge-offs — — (44) — — (305) — — (349) Commercial real estate loans - owner occupied Pass 22,976 12,903 51,065 47,955 13,886 163,028 2,171 1,304 315,288 Special mention — 13,365 2,381 1,210 1,728 20,965 — — 39,649 Substandard — — — 111 1,647 6,145 — 1,698 9,601 Total commercial real estate loans - owner occupied 22,976 26,268 53,446 49,276 17,261 190,138 2,171 3,002 364,538 Commercial real estate - owner occupied current period charge-offs — — — — — — — — — Commercial loans Pass 203,185 424,258 402,658 67,493 24,976 79,847 492,660 3,442 1,698,519 Special mention 8,019 31,014 3,860 4 298 217 9,045 4 52,461 Substandard — 8,050 3,954 886 222 3,162 3,884 3,758 23,916 Total commercial loans 211,204 463,322 410,472 68,383 25,496 83,226 505,589 7,204 1,774,896 Commercial loans current period charge-offs — (47) (734) (75) (175) (132) — — (1,163) Total Commercial Banking 298,258 727,096 988,044 478,360 389,039 1,351,326 536,573 34,728 4,803,424 Total loans $ 515,525 1,624,773 2,378,279 1,719,829 1,142,469 2,980,599 1,060,438 79,334 11,501,246 For the quarter ended March 31, 2024, $3 million of revolving loans were converted to term loans. The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator for each portfolio segment as of December 31, 2023 (in thousands): 2023 2022 2021 2020 2019 Prior Revolving loans Revolving loans converted to term loans Total loans Personal Banking: Residential mortgage loans Pass $ 186,081 665,379 792,488 506,068 244,678 1,019,152 — — 3,413,846 Substandard — 1,581 — 1,252 311 11,195 — — 14,339 Total residential mortgage loans 186,081 666,960 792,488 507,320 244,989 1,030,347 — — 3,428,185 Residential mortgage current period charge-offs — (9) (5) (130) (23) (1,023) — — (1,189) Home equity loans Pass 71,497 100,639 106,043 146,121 94,144 197,259 463,868 43,526 1,223,097 Substandard — 236 54 197 35 1,733 1,447 1,059 4,761 Total home equity loans 71,497 100,875 106,097 146,318 94,179 198,992 465,315 44,585 1,227,858 Home equity current period charge-offs — (53) (46) — (48) (352) (144) (209) (852) Vehicle loans Pass 664,876 682,275 397,809 132,775 67,853 58,153 — — 2,003,741 Substandard 646 1,418 1,453 299 556 488 — — 4,860 Total vehicle loans 665,522 683,693 399,262 133,074 68,409 58,641 — — 2,008,601 Vehicle current period charge-offs (678) (1,844) (1,967) (475) (652) (853) — — (6,468) Consumer loans Pass 24,277 11,582 5,552 2,072 1,355 6,603 64,214 820 116,475 Substandard 55 43 19 6 6 46 726 50 951 Total consumer loans 24,332 11,625 5,571 2,078 1,361 6,649 64,940 870 117,426 Consumer loan current period charge-offs (3,412) (511) (390) (157) (177) (980) (317) (38) (5,983) Total Personal Banking 947,432 1,463,153 1,303,418 788,790 408,938 1,294,629 530,255 45,455 6,782,070 Commercial Banking: Commercial real estate loans Pass 223,335 470,762 303,873 332,620 228,382 745,244 27,583 24,804 2,356,603 Special Mention 2,819 24,735 27,871 5,365 4,053 38,665 711 — 104,219 Substandard 1,920 750 26,850 18,167 37,044 82,717 79 108 167,635 Total commercial real estate loans 228,074 496,247 358,594 356,152 269,479 866,626 28,373 24,912 2,628,457 Commercial real estate current period (14) — (492) — (51) (1,741) — — (2,298) Commercial real estate loans - Pass 24,725 51,986 47,655 15,984 28,614 140,175 2,378 2,390 313,907 Special Mention 1,221 120 1,218 — 14,386 2,952 — — 19,897 Substandard — — 118 1,666 4,646 4,641 — 678 11,749 Total commercial real estate loans - 25,946 52,106 48,991 17,650 47,646 147,768 2,378 3,068 345,553 Commercial real estate - owner occupied current period charge-offs — — — — — (68) — — (68) Commercial loans Pass 482,605 430,378 73,469 26,868 34,090 54,617 531,742 4,110 1,637,879 Special Mention 508 3,671 52 299 240 26 1,882 — 6,678 Substandard — 3,015 872 356 2,361 840 4,729 1,999 14,172 Total commercial loans 483,113 437,064 74,393 27,523 36,691 55,483 538,353 6,109 1,658,729 Commercial loans current period (35) (2,072) (517) (430) (205) (845) (60) (2) (4,166) Total Commercial Banking 737,133 985,417 481,978 401,325 353,816 1,069,877 569,104 34,089 4,632,739 Total loans $ 1,684,565 2,448,570 1,785,396 1,190,115 762,754 2,364,506 1,099,359 79,544 11,414,809 For the year ended December 31, 2023, $19 million of revolving loans were converted to term loans.

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	3 Months Ended
	Mar. 31, 2024
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 at the dates indicated (in thousands): March 31, 2024 December 31, 2023 Amortizable intangible assets: Core deposit intangibles - gross $ 74,899 74,899 Less: accumulated amortization (70,310) (69,609) Core deposit intangibles - net $ 4,589 5,290 Total intangible assets - net $ 4,589 5,290 The following table shows the actual aggregate amortization expense for the quarters ended March 31, 2024 and 2023, as well as the estimated aggregate amortization expense, based upon current levels of intangible assets, for the current fiscal year and each of the succeeding fiscal years until the intangible assets are fully amortized (in thousands): For the quarter ended March 31, 2024 $ 701 For the quarter ended March 31, 2023 909 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 (in thousands): Total Balance at December 31, 2023 $ 380,997 Balance at March 31, 2024 $ 380,997 We performed our annual goodwill impairment test as of June 30, 2023 in accordance with ASC 350, Intangibles - Goodwill and Other,

Borrowed Funds

Borrowed Funds	3 Months Ended
	Mar. 31, 2024
Debt Disclosure [Abstract]
Borrowed Funds	Borrowed Funds (a) Borrowings Borrowed funds at March 31, 2024 and December 31, 2023 are presented in the following table: March 31, 2024 December 31, 2023 Amount Average rate Amount Average rate Term notes payable to the FHLB of Pittsburgh, due within one year $ 275,000 5.65 % $ 175,000 5.71 % Notes payable to the FHLB of Pittsburgh, due within one year 55,600 5.67 % 163,500 5.70 % Collateralized borrowings, due within one year 29,882 1.62 % 35,495 1.72 % Collateral received, due within one year 40,301 5.08 % 24,900 5.26 % Total borrowed funds $ 400,783 $ 398,895 Borrowings from the Federal Home Loan Bank (“FHLB”) of Pittsburgh, if any, are secured by our residential first mortgage and other qualifying loans. At March 31, 2024, the carrying value of these loans was $6.0 billion. 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 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 March 31, 2024 and December 31, 2023, the balance of the revolving line of credit was $56 million and $164 million, respectively. At March 31, 2024 and December 31, 2023, collateralized borrowings due within one year were $30 million and $35 million, respectively. These borrowings are collateralized by cash or va rious securities held in safekeeping by the FHLB. At March 31, 2024, the carrying value of the cash and securities used as collateral was $50 million. At March 31, 2024 and December 31, 2023, collateral received was $40 million and $25 million, respectively. This represents collateral posted to us from our derivative counterparties. At March 31, 2024 and December 31, 2023, term notes payable to the FHLB of Pittsburgh due within one year were $275 million and $175 million, respectively. The March 31, 2024 total is made up of eight advances: $100 million at 5.68% maturing April 5, 2024; $25 million at 5.63% maturing April 26, 2024; $25 million at 5.61% maturing April 30, 2024; $25 million at 5.65% maturing May 9, 2024; $25 million at 5.64% maturing May 13, 2024; $25 million at 5.64% maturing May 13, 2024; $25 million at 5.63% maturing May 20, 2024; $25 million at 5.63% maturing May 31, 2024. On September 9, 2020, the Company issued $125 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, 2023 the Company repurchased $10 million of subordinated notes leaving $115 million of subordinated notes outstanding. The subordinated debt issuance costs of approximately $2 million are being amortized over five years on a straight-line basis into interest expense. At March 31, 2024 and December 31, 2023, subordinated debentures, net of issuance costs, were $114 million. For the three months ended March 31, 2024 and March 31, 2023 total interest expense paid on the subordinate notes was $1.2 million. (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 the date listed (dollars in thousands). Maturity date Interest rate Capital debt securities March 31, 2024 December 31, 2023 Northwest Bancorp Capital Trust III December 30, 2035 3-month SOFR plus 1.38% $ 50,000 $ 51,547 51,547 Northwest Bancorp Statutory Trust IV December 15, 2035 3-month SOFR plus 1.38% 50,000 51,547 51,547 LNB Trust II June 15, 2037 3-month SOFR plus 1.48% 7,875 8,119 8,119 Union National Capital Trust I (1) January 23, 2034 3-month SOFR plus 2.85% 8,000 8,005 7,999 Union National Capital Trust II (1) November 23, 2034 3-month SOFR plus 2.00% 3,000 2,803 2,796 MFBC Statutory Trust I (1) September 15, 2035 3-month SOFR plus 1.70% 5,000 3,814 3,788 Universal Preferred Trust (1) October 7, 2035 3-month SOFR plus 1.69% 5,000 3,804 3,778 $ 128,875 129,639 129,574 (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. For each of the three month periods ended March 31, 2024 and March 31, 2023 total interest expense paid on trust preferred securities was $2 million. 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 trusts to become subject to federal income tax or to certain other taxes or governmental charges; • the trusts to register as an investment company; or • the preferred securities to no longer 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 approvals.

Guarantees

Guarantees	3 Months Ended
	Mar. 31, 2024
Guarantees [Abstract]
Guarantees	Guarantees We issue standby letters of credit in the normal course of business. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of the underlying contract with the third party. We are required to perform under a standby letter of credit when drawn upon by the guaranteed third party in the case of nonperformance by our customer. The credit risk associated with standby letters of credit is essentially the same as that involved in extending loans to customers and is subject to normal loan underwriting procedures. Collateral may be obtained based on management’s credit assessment of the customer. At March 31, 2024, the maximum potential amount of future payments we could be required to make under these non-recourse standby letters of credit was $60 million, of which $43 million is fully collateralized. At March 31, 2024, we had a liability which represents deferred income of $1 million related to the standby letters of credit.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2024
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. The following table sets forth the computation of basic and diluted EPS (in thousands, except share data and per share amounts): Quarter ended March 31, 2024 2023 Net income $ 29,163 33,679 Less: Dividends and undistributed earnings allocated to participating securities 74 146 Net income available to common shareholders $ 29,089 33,533 Weighted average common shares outstanding 126,814,233 126,498,512 Add: Effect of common share options and other stock awards 784,738 551,751 Total weighted average common shares and dilutive potential shares 127,598,971 127,050,263 Basic earnings per share $ 0.23 0.27 Diluted earnings per share $ 0.23 0.26

Pension and Other Post-Retireme

Pension and Other Post-Retirement Benefits	3 Months Ended
	Mar. 31, 2024
Retirement Benefits [Abstract]
Pension and Other Post-Retirement Benefits	Pension and Other Post-Retirement Benefits The following table sets forth the net periodic costs for the defined benefit pension plans and post-retirement healthcare plans for the periods indicated (in thousands): Quarter ended March 31, Pension benefits Other post-retirement benefits 2024 2023 2024 2023 Service cost $ 1,425 1,560 — — Interest cost 2,205 2,245 15 7 Expected return on plan assets (3,776) (3,479) — — Amortization of prior service cost (563) (564) — — Amortization of the net loss 18 20 10 10 Net periodic cost $ (691) (218) 25 17 Because of the current funding status, we do not anticipate a funding requirement during the year ending December 31, 2024.

Disclosures About Fair Value of

Disclosures About Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2024
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, 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 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. Cash Flow Hedges, 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 SOFR discount 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 SOFR 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 that 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 March 31, 2024 and December 31, 2023, 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 March 31, 2024 (in thousands): Carrying Estimated Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 119,319 119,319 119,319 — — Securities available-for-sale 1,094,009 1,094,009 — 1,094,009 — Securities held-to-maturity 801,107 680,353 — 680,353 — Loans receivable, net 11,368,267 10,370,310 — — 10,370,310 Loans held-for-sale 8,082 8,082 — 213 7,869 Accrued interest receivable 50,680 50,680 50,680 — — Interest rate lock commitments 479 479 — — 479 Forward commitments 58 58 — 58 — Foreign exchange swaps 2 2 — 2 — Interest rate swaps designated as hedging instruments 2,300 2,300 — 2,300 — Interest rate swaps not designated as hedging instruments 45,188 45,188 — 45,188 — FHLB stock 30,811 30,811 — — — Total financial assets $ 13,520,302 12,401,591 169,999 1,822,123 10,378,658 Financial liabilities: Savings and checking deposits $ 9,284,830 9,284,830 9,284,830 — — Time deposits 2,786,814 2,333,365 — — 2,333,365 Borrowed funds 400,783 389,997 389,997 — — Subordinated debt 114,276 112,027 — 112,027 — Junior subordinated debentures 129,639 123,167 — — 123,167 Interest rate swaps not designated as hedging instruments 45,220 45,220 — 45,220 — Risk participation agreements 17 17 — 17 — Accrued interest payable 17,395 17,395 17,395 — — Total financial liabilities $ 12,778,974 12,306,018 9,692,222 157,264 2,456,532 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, 2023 (in thousands): Carrying Estimated Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 122,260 122,260 122,260 — — Securities available-for-sale 1,043,359 1,043,359 — 1,043,359 — Securities held-to-maturity 814,839 699,506 — 699,506 — Loans receivable, net 11,280,798 10,274,593 — — 10,274,593 Residential mortgage loans held-for-sale 8,768 8,768 — — 8,768 Accrued interest receivable 47,353 47,353 47,353 — — Interest rate lock commitments 641 641 — — 641 Forward commitments 12 12 — 12 — Interest rate swaps designated as hedging instruments 713 713 — 713 — Interest rate swaps not designated as hedging instruments 41,406 41,406 — 41,406 — FHLB stock 30,146 30,146 — — — Total financial assets $ 13,390,295 12,268,757 169,613 1,784,996 10,284,002 Financial liabilities: Savings and checking accounts $ 9,377,021 9,377,021 9,377,021 — — Time deposits 2,602,881 2,113,177 — — 2,113,177 Borrowed funds 398,895 386,446 386,446 — — Subordinated debt 114,189 109,471 — 109,471 — Junior subordinated debentures 129,574 112,159 — — 112,159 Foreign exchange swaps 291 291 — 291 — Interest rate swaps designated as hedging instruments 1,198 1,198 — 1,198 — Interest rate swaps not designated as hedging instruments 41,437 41,437 — 41,437 — Risk participation agreements 14 14 — 14 — Accrued interest payable 13,669 13,669 13,669 — — Total financial liabilities $ 12,679,169 12,154,883 9,777,136 152,411 2,225,336 Fair value estimates are made at a point-in-time, based on relevant market data and information about the instrument. The methods and assumptions detailed above were used in estimating the fair value of financial instruments at both March 31, 2024 and December 31, 2023. The following table represents assets and liabilities measured at fair value on a recurring basis at March 31, 2024 (in thousands): Level 1 Level 2 Level 3 Total assets Debt securities: U.S. government and agencies $ — 56,718 — 56,718 Government-sponsored enterprises — 40,519 — 40,519 States and political subdivisions — 74,271 — 74,271 Corporate — 7,634 — 7,634 Total debt securities — 179,142 — 179,142 Residential mortgage-backed securities: GNMA — 31,305 — 31,305 FNMA — 98,861 — 98,861 FHLMC — 82,746 — 82,746 Non-agency — 5 — 5 Collateralized mortgage obligations: GNMA — 374,391 — 374,391 FNMA — 144,489 — 144,489 FHLMC — 183,070 — 183,070 Total mortgage-backed securities — 914,867 — 914,867 Interest rate lock commitments — — 479 479 Forward commitments — 58 — 58 Foreign exchange swaps — 2 — 2 Interest rate swaps designated as hedging instruments — 2,300 — 2,300 Interest rate swaps not designated as hedging instruments — 45,188 — 45,188 Total assets $ — 1,141,557 479 1,142,036 Interest rate swaps not designated as hedging instruments — 45,220 — 45,220 Risk participation agreements — 17 — 17 Total liabilities $ — 45,237 — 45,237 The following table represents assets and liabilities measured at fair value on a recurring basis at December 31, 2023 (in thousands): Level 1 Level 2 Level 3 Total assets Debt securities: U.S. government and agencies $ — 58,314 — 58,314 Government-sponsored enterprises — 40,597 — 40,597 States and political subdivisions — 75,469 — 75,469 Corporate — 7,688 — 7,688 Total debt securities — 182,068 — 182,068 Residential mortgage-backed securities: GNMA — 17,441 — 17,441 FNMA — 102,678 — 102,678 FHLMC — 70,830 — 70,830 Non-agency — 5 — 5 Collateralized mortgage obligations: GNMA — 331,784 — 331,784 FNMA — 148,892 — 148,892 FHLMC — 189,661 — 189,661 Total mortgage-backed securities — 861,291 — 861,291 Interest rate lock commitments — — 641 641 Forward commitments — 12 — 12 Interest rate swaps designated as hedging instruments — 713 — 713 Interest rate swaps not designated as hedging instruments — 41,406 — 41,406 Total assets $ — 1,085,490 641 1,086,131 Foreign exchange swaps $ — 291 — 291 Interest rate swaps designated as hedging instruments — 1,198 — 1,198 Interest rate swaps not designated as hedging instruments — 41,437 — 41,437 Risk participation agreements — 14 — 14 Total liabilities $ — 42,940 — 42,940 The following table presents the changes in Level 3 assets and liabilities measured at fair value on a recurring basis (in thousands): For the quarter ended March 31, 2024 2023 Beginning balance, $ 641 559 Interest rate lock commitments: Net activity (162) (173) Ending balance $ 479 386 Certain assets and liabilities are measured at fair value on a nonrecurring basis after initial recognition such as loans held-for-sale, loans individually assessed, real estate owned, and mortgage servicing rights. 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 March 31, 2024 (in thousands): Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 39,123 39,123 Mortgage servicing rights — — 173 173 Real estate owned, net — — 50 50 Total assets $ — — 39,346 39,346 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, 2023 (in thousands): Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 36,747 36,747 Mortgage servicing rights — — 133 133 Real estate owned, net — — 104 104 Total assets $ — — 36,984 36,984 Individually Assessed Loans - A loan is considered to be individually assessed as described in Note 1(f) of the Notes to the Consolidated Financial Statements in Item 8 of Part II of our 2023 Annual Report on Form 10-K. 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 March 31, 2024 (in thousands): Fair value Valuation techniques Significant Range (weighted average) Loans individually assessed $ 39,123 Appraisal value (1) Estimated cost to sell 10% Mortgage servicing rights 173 Discounted cash flow Annual service cost $89 Prepayment rate 6.6% to 18.2% (10.7%) Expected life (months) 51.0 to 102.3 (72.3) Option adjusted spread 729 basis points Forward yield curve 5.43% to 5.33% Real estate owned, net 50 Appraisal value (1) Estimated cost to sell 10% Loans held for sale 7,869 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, or by using the discounted cash flow method if the loan is not collateral dependent.

Derivative Financial Instrument

Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2024
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 the year-ended December 31, 2023, the Company entered into seven 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 $175 million with maturities ranging from three Derivatives and Hedging . Our cash flow hedges are recorded within other assets on the Consolidated Statement of Financial Condition at their estimated fair value. As long as the hedge remains highly effective, the changes in the fair value of derivatives designated, and that qualify, as cash flow hedges are recorded in accumulated other comprehensive income and are 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 into earnings. Amount reclassified into earnings are included in interest expense in the Consolidated Statement of Income. 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. These risk participation agreements are recorded within other liabilities on the Consolidated Statement of Financial Condition at their estimated fair value. Changes to the fair value of the the risk participation agreements are included in other operating income in the Consolidated Statement of Income. The following table presents information regarding our derivative financial instruments for the periods indicated (in thousands): Asset derivatives Liability derivatives Notional amount Fair value Notional amount Fair value At March 31, 2024 Derivatives designated as hedging instruments: Interest rate swap agreements $ 175,000 2,300 — — Derivatives not designated as hedging instruments: Interest rate swap agreements 740,173 45,188 740,173 45,220 Foreign exchange swap agreements 2,975 2 — — Interest rate lock commitments 18,591 479 — — Forward commitments 2,713 58 — — Risk participation agreements — — 92,281 17 Total Derivatives $ 939,452 48,027 832,454 45,237 At December 31, 2023 Derivatives designated as hedging instruments: Interest rate swap agreements $ 75,000 713 100,000 1,198 Derivatives not designated as hedging instruments: Interest rate swap agreements 725,139 41,406 725,139 41,437 Foreign exchange swap agreements — — 12,278 291 Interest rate lock commitments 21,857 641 — — Forward commitments 281 12 — — Risk participation agreements — — 101,727 14 Total derivatives $ 822,277 42,772 939,144 42,940 The following table presents income or expense recognized on derivatives for the periods indicated (in thousands): For the quarter ended March 31, 2024 2023 Hedging derivatives: Decrease in interest expense $ 733 — Non-hedging swap derivatives: Increase/(decrease) in other income $ 287 (202) Decrease in mortgage banking income $ (115) (174) The following table presents information regarding our derivative financial instruments designated as hedging for the quarter ended March 31, 2024 (in thousands): Notional amount Effective rate Estimated decrease to interest expense in the next twelve months Maturity date Remaining term Interest rate products: Issued May 11, 2023 $ 25,000 3.50 % $ (546) 5/11/2027 37 Issued May 12, 2023 25,000 3.55 % (534) 5/12/2028 49 Issued May 19, 2023 25,000 3.83 % (460) 11/19/2027 44 Issued May 31, 2023 25,000 4.03 % (406) 11/30/2026 32 Issued July 26, 2023 25,000 4.22 % (359) 7/26/2028 52 Issued July 31, 2023 25,000 4.30 % (336) 1/31/2028 46 Issued August 9, 2023 25,000 4.32 % (339) 8/9/2027 40 Total $ 175,000 $ (2,980)

Legal Proceedings

Legal Proceedings	3 Months Ended
	Mar. 31, 2024
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 March 31, 2024, 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.

Changes in Accumulated Other Co

Changes in Accumulated Other Comprehensive Income	3 Months Ended
	Mar. 31, 2024
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Changes in Accumulated Other Comprehensive Income	Changes in Accumulated Other Comprehensive Income The following tables show the changes in accumulated other comprehensive income by component for the periods indicated (in thousands): For the quarter ended March 31, 2024 Unrealized Change in Change in Total Balance as of December 31, 2023 $ (150,659) (374) 1,541 (149,492) Other comprehensive (loss)/income before reclassification adjustments (1) (2) (5,698) 2,154 — (3,544) Amounts reclassified from accumulated other comprehensive income (3) — — (388) (388) Net other comprehensive (loss)/income (5,698) 2,154 (388) (3,932) Balance as of March 31, 2024 $ (156,357) 1,780 1,153 (153,424) For the quarter ended March 31, 2023 Unrealized Change in Total Balance as of December 31, 2022 $ (164,206) (6,952) (171,158) Other comprehensive income before reclassification adjustments (4) 13,017 — 13,017 Amounts reclassified from accumulated other comprehensive income (5) — (382) (382) Net other comprehensive income/(loss) 13,017 (382) 12,635 Balance as of March 31, 2023 $ (151,189) (7,334) (158,523) (1) Consists of unrealized holding losses, net of tax of $1,758. (2) Change in fair value of interest rate swaps, net of tax ($630). (3) Consists of realized gains, net of tax of $147. (4) Consists of unrealized holding gains, net of tax of ($3,308). (5) Consists of realized gains, net of tax of $152.

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2024
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Pay vs Performance Disclosure
Net Income (loss)	$ 29,163	$ 33,679

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Mar. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Basis of Presentation and Inf_2

Basis of Presentation and Informational Disclosures (Policies)	3 Months Ended
	Mar. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Northwest Bancshares, Inc. (the “Company” or “NWBI”), a Maryland corporation headquartered in Columbus, Ohio, is a bank holding company regulated by the Board of Governors of the Federal Reserve System (“FRB”). The primary activity of the Company is the ownership of all of the issued and outstanding common stock of Northwest Bank, a Pennsylvania-chartered savings bank (“Northwest”). Northwest is regulated by the Federal Deposit Insurance Corporation (“FDIC”) and the Pennsylvania Department of Banking. Northwest operates 142 community-banking offices throughout Pennsylvania, Western New York, Eastern Ohio, and Indiana. The accompanying unaudited Consolidated Financial Statements include the accounts of the Company and its subsidiary, Northwest, and Northwest’s subsidiaries Northwest Capital Group, Inc., Great Northwest Corporation, and Mutual Federal Interest Company, Inc. The unaudited Consolidated Financial Statements have been prepared in accordance with United States generally accepted accounting principles for interim financial information and with the instructions for Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information or footnotes required for complete annual financial statements. In the opinion of management, all adjustments necessary for the fair presentation of the Company’s financial position and results of operations have been included. The Consolidated Financial Statements have been prepared using the accounting policies described in the financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 updated, as required, for any new pronouncements or changes.
Reclassifications	Certain items previously reported have been reclassified to conform to the current year’s reporting format.
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards In March 2023, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2023-02, " Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method

Marketable Securities (Tables)

Marketable Securities (Tables)	3 Months Ended
	Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of the portfolio of investment securities available-for-sale	The following table shows the portfolio of marketable securities available-for-sale at March 31, 2024 (in thousands): Amortized Gross Gross Fair Debt issued by the U.S government and agencies: Due after one year through five years $ 20,000 — (1,204) 18,796 Due after ten years 48,182 — (10,260) 37,922 Debt issued by government-sponsored enterprises: Due after one year through five years 45,987 — (5,819) 40,168 Due after five years through ten years 360 — (9) 351 Municipal securities: Due after one year through five years 4,279 14 (426) 3,867 Due after five years through ten years 27,921 47 (1,886) 26,082 Due after ten years 53,464 — (9,142) 44,322 Corporate debt issues: Due after five years through ten years 8,467 — (833) 7,634 Residential mortgage-backed securities: Fixed rate pass-through 232,854 93 (26,711) 206,236 Variable rate pass-through 6,738 12 (69) 6,681 Fixed rate agency CMOs 776,087 — (147,127) 628,960 Variable rate agency CMOs 73,769 35 (814) 72,990 Total residential mortgage-backed securities 1,089,448 140 (174,721) 914,867 Total marketable securities available-for-sale $ 1,298,108 201 (204,300) 1,094,009 The following table shows the portfolio of marketable securities available-for-sale at December 31, 2023 (in thousands): Amortized Gross Gross Fair Debt issued by the U.S. government and agencies: Due after one year through five years $ 20,000 — (1,135) 18,865 Due after ten years 49,383 — (9,934) 39,449 Debt issued by government-sponsored enterprises: Due after one year through five years 45,986 — (5,763) 40,223 Due after five years through ten years 386 — (12) 374 Municipal securities: Due after one year through five years 4,279 22 (427) 3,874 Due after five years through ten years 20,725 — (1,437) 19,288 Due after ten years 60,762 125 (8,580) 52,307 Corporate debt issues: Due after five years through ten years 8,466 — (778) 7,688 Residential mortgage-backed securities: Fixed rate pass-through 209,069 27 (25,222) 183,874 Variable rate pass-through 7,140 11 (71) 7,080 Fixed rate agency CMOs 789,842 — (143,055) 646,787 Variable rate agency CMOs 23,965 38 (453) 23,550 Total residential mortgage-backed securities 1,030,016 76 (168,801) 861,291 Total marketable securities available-for-sale $ 1,240,003 223 (196,867) 1,043,359
Schedule of the portfolio of investment securities held-to-maturity	The following table shows the portfolio of marketable securities held-to-maturity at March 31, 2024 (in thousands): Amortized Gross Gross Fair Debt issued by government-sponsored enterprises: Due after one year through five years $ 89,472 — (11,232) 78,240 Due after five years through ten years 34,987 — (5,877) 29,110 Residential mortgage-backed securities: Fixed rate pass-through 144,158 — (21,062) 123,096 Variable rate pass-through 432 1 — 433 Fixed rate agency CMOs 531,529 — (82,578) 448,951 Variable rate agency CMOs 529 — (6) 523 Total residential mortgage-backed securities 676,648 1 (103,646) 573,003 Total marketable securities held-to-maturity $ 801,107 1 (120,755) 680,353 The following table shows the portfolio of marketable securities held-to-maturity at December 31, 2023 (in thousands): Amortized Gross Gross Fair Debt issued by government-sponsored enterprises: Due after one year through five years $ 69,471 — (8,100) 61,371 Due after five years through ten years 54,987 — (8,700) 46,287 Residential mortgage-backed securities: Fixed rate pass-through 147,874 — (20,834) 127,040 Variable rate pass-through 449 1 — 450 Fixed rate agency CMOs 541,529 — (77,694) 463,835 Variable rate agency CMOs 529 — (6) 523 Total residential mortgage-backed securities 690,381 1 (98,534) 591,848 Total marketable securities held-to-maturity $ 814,839 1 (115,334) 699,506
Information regarding the issuers and the carrying values of the entity's mortgage-backed securities	The following table shows the contractual maturity of our residential mortgage-backed securities available-for-sale at March 31, 2024 (in thousands): Amortized Fair Residential mortgage-backed securities: Due within one year $ 116 116 Due after one year through five years 22,934 21,419 Due after five years through ten years 26,966 25,177 Due after ten years 1,039,432 868,155 Total residential mortgage-backed securities $ 1,089,448 914,867 The following table shows the contractual maturity of our residential mortgage-backed securities held-to-maturity at March 31, 2024 (in thousands): Amortized Fair Residential mortgage-backed securities: Due in less than one year $ 38 38 Due after one year through five years 20,144 17,635 Due after five years through ten years 20,209 16,304 Due after ten years 636,257 539,026 Total residential mortgage-backed securities $ 676,648 573,003
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 of 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 March 31, 2024 (in thousands): Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government-sponsored enterprises $ — — 204,587 (34,401) 204,587 (34,401) Municipal securities 498 (2) 67,691 (11,452) 68,189 (11,454) Corporate issues — — 7,634 (833) 7,634 (833) Residential mortgage-backed securities - agency 57,715 (855) 1,380,123 (277,512) 1,437,838 (278,367) Total $ 58,213 (857) 1,660,035 (324,198) 1,718,248 (325,055) The following table shows the fair value of 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, 2023 (in thousands): Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized U.S. government-sponsored enterprises $ — — 206,569 (33,644) 206,569 (33,644) Corporate debt issues — — 7,688 (778) 7,688 (778) Municipal securities 2,753 (81) 66,046 (10,363) 68,799 (10,444) Residential mortgage-backed securities - agency 17,976 (242) 1,423,707 (267,093) 1,441,683 (267,335) Total $ 20,729 (323) 1,704,010 (311,878) 1,724,739 (312,201)
Schedule of credit quality of held-to-maturity securities	The following table presents the credit quality of our held-to-maturity securities, based on the latest information available as of March 31, 2024 (in thousands). The credit ratings are sourced from nationally recognized rating agencies, which include Moody’s and S&P, and 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 March 31, 2024. AA+ Total Held-to-maturity securities (at amortized cost): Debt issued by the U.S. government-sponsored enterprises $ 124,459 124,459 Residential mortgage-backed securities 676,648 676,648 Total marketable securities held-to-maturity $ 801,107 801,107

Loans Receivable (Tables)

Loans Receivable (Tables)	3 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
Schedule of loans receivable	The following table shows a summary of our loans receivable at amortized cost basis at March 31, 2024 and December 31, 2023 (in thousands): March 31, 2024 December 31, 2023 Originated (1) Acquired (2) Total Originated (1) Acquired (2) Total Personal Banking: Residential mortgage loans (3) $ 3,243,079 139,769 3,382,848 3,283,299 144,886 3,428,185 Home equity loans 1,079,671 116,936 1,196,607 1,103,410 124,448 1,227,858 Vehicle loans 1,944,752 60,104 2,004,856 1,943,540 65,061 2,008,601 Consumer loans 108,035 5,476 113,511 111,446 5,980 117,426 Total Personal Banking 6,375,537 322,285 6,697,822 6,441,695 340,375 6,782,070 Commercial Banking: Commercial real estate loans (4) 2,436,853 227,137 2,663,990 2,389,537 238,920 2,628,457 Commercial real estate loans - owner occupied 338,744 25,794 364,538 319,195 26,358 345,553 Commercial loans 1,743,656 31,240 1,774,896 1,623,481 35,248 1,658,729 Total Commercial Banking 4,519,253 284,171 4,803,424 4,332,213 300,526 4,632,739 Total loans receivable, gross 10,894,790 606,456 11,501,246 10,773,908 640,901 11,414,809 Allowance for credit losses (118,837) (6,060) (124,897) (118,079) (7,164) (125,243) Total loans receivable, net (5) $ 10,775,953 600,396 11,376,349 10,655,829 633,737 11,289,566 (1) Includes originated and loan pools purchased in an asset acquisition. (2) Includes loans subject to purchase accounting in a business combination. (3) Includes $8 million and $9 million of loans held-for-sale at March 31, 2024 and December 31, 2023, respectively. (4) Includes $213,000 and $0 of loans held-for-sale at March 31, 2024 and December 31, 2023, 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 quarter ended March 31, 2024 (in thousands): Balance as of March 31, 2024 Current period provision Charge-offs Recoveries Balance as of December 31, 2023 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 16,821 (1,399) (162) 189 18,193 Home equity loans 5,334 145 (412) 198 5,403 Vehicle loans 21,061 (3,694) (2,588) 432 26,911 Consumer loans 1,452 1,849 (1,985) 389 1,199 Total Personal Banking 44,668 (3,099) (5,147) 1,208 51,706 Commercial Banking: Commercial real estate loans 54,474 3,073 (349) 483 51,267 Commercial real estate loans - owner occupied 4,055 272 — 8 3,775 Commercial loans 21,700 3,988 (1,163) 380 18,495 Total Commercial Banking 80,229 7,333 (1,512) 871 73,537 Total $ 124,897 4,234 (6,659) 2,079 125,243 Allowance for Credit Losses - off-balance sheet exposure Personal Banking: Residential mortgage loans $ 1 (1) — — 2 Home equity loans 64 (1) — — 65 Total Personal Banking 65 (2) — — 67 Commercial Banking: Commercial real estate loans 6,218 71 — — 6,147 Commercial real estate loans - owner occupied 154 (19) — — 173 Commercial loans 9,887 (849) — — 10,736 Total Commercial Banking 16,259 (797) — — 17,056 Total off-balance sheet exposure $ 16,324 (799) — — 17,123 The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended March 31, 2023 (in thousands): Balance as of March 31, 2023 Current period provision Charge-offs Recoveries ASU 2022-02 Adoption Balance as of December 31, 2022 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 19,238 (1) (207) 185 — 19,261 Home equity loans 5,481 (450) (164) 193 — 5,902 Vehicle loans 26,166 4,253 (1,668) 522 — 23,059 Consumer loans 732 796 (1,066) 337 — 665 Total Personal Banking 51,617 4,598 (3,105) 1,237 — 48,887 Commercial Banking: Commercial real estate loans 45,404 121 (657) 1,008 426 44,506 Commercial real estate loans - owner occupied 3,351 (674) — 21 — 4,004 Commercial loans 20,885 825 (865) 286 — 20,639 Total Commercial Banking 69,640 272 (1,522) 1,315 426 69,149 Total $ 121,257 4,870 (4,627) 2,552 426 118,036 Allowance for Credit Losses - off-balance sheet exposure Personal Banking: Residential mortgage loans $ 3 (1) — — — 4 Home equity loans 60 (14) — — — 74 Total Personal Banking 63 (15) — — — 78 Commercial Banking: Commercial real estate loans 5,924 549 — — — 5,375 Commercial real estate loans - owner occupied 441 62 — — — 379 Commercial loans 6,611 (470) — — — 7,081 Total Commercial Banking 12,976 141 — — — 12,835 Total off-balance sheet exposure $ 13,039 126 — — — 12,913
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 March 31, 2024 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 3,382,848 16,821 7,109 1,509 Home equity loans 1,196,607 5,334 4,409 1 Vehicle loans 2,004,856 21,061 4,360 59 Consumer loans 113,511 1,452 269 627 Total Personal Banking 6,697,822 44,668 16,147 2,196 Commercial Banking: Commercial real estate loans 2,663,990 54,474 73,133 — Commercial real estate loans - owner occupied 364,538 4,055 1,319 — Commercial loans 1,774,896 21,700 4,461 256 Total Commercial Banking 4,803,424 80,229 78,913 256 Total $ 11,501,246 124,897 95,060 2,452 The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2023 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 3,428,185 18,193 8,727 1,671 Home equity loans 1,227,858 5,403 4,492 26 Vehicle loans 2,008,601 26,911 4,816 44 Consumer loans 117,426 1,199 229 722 Total Personal Banking 6,782,070 51,706 18,264 2,463 Commercial Banking: Commercial real estate loans 2,628,457 51,267 71,297 225 Commercial real estate loans - owner occupied 345,553 3,775 676 — Commercial loans 1,658,729 18,495 4,147 10 Total Commercial Banking 4,632,739 73,537 76,120 235 Total $ 11,414,809 125,243 94,384 2,698
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 quarter ended March 31, 2024 (in thousands): March 31, 2024 Nonaccrual loans at January 1, 2024 Nonaccrual loans with an allowance Nonaccrual loans with no allowance Total nonaccrual loans at the end of the period Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 8,727 6,703 406 7,109 1,509 Home equity loans 4,492 4,254 155 4,409 1 Vehicle loans 4,816 3,481 879 4,360 59 Consumer loans 229 269 — 269 627 Total Personal Banking 18,264 14,707 1,440 16,147 2,196 Commercial Banking: Commercial real estate loans 71,297 50,794 22,339 73,133 — Commercial real estate loans - owner occupied 676 1,319 — 1,319 — Commercial loans 4,147 4,305 156 4,461 256 Total Commercial Banking 76,120 56,418 22,495 78,913 256 Total $ 94,384 71,125 23,935 95,060 2,452 The following table presents the amortized cost of our loans on nonaccrual status as of the year ended December 31, 2023 (in thousands): December 31, 2023 Nonaccrual loans at January 1, 2023 Nonaccrual loans with an allowance Nonaccrual loans with no allowance Total nonaccrual loans at the end of the period Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 7,574 8,304 423 8,727 1,671 Home equity loans 4,145 4,084 408 4,492 26 Vehicle loans 3,771 4,187 629 4,816 44 Consumer loans 256 229 — 229 722 Total Personal Banking 15,746 16,804 1,460 18,264 2,463 Commercial Banking: Commercial real estate loans 62,239 47,359 23,938 71,297 225 Commercial real estate loans - owner occupied 624 676 — 676 — Commercial loans 2,627 3,996 151 4,147 10 Total Commercial Banking 65,490 52,031 24,089 76,120 235 Total $ 81,236 68,835 25,549 94,384 2,698 Real estate Equipment Total Commercial Banking: Commercial real estate loans $ 66,587 1,256 67,843 Commercial loans 146 — 146 Total Commercial Banking 66,733 1,256 67,989 Total $ 66,733 1,256 67,989 The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2023 (in thousands): Real estate Total Commercial Banking: Commercial real estate loans $ 66,934 66,934 Commercial loans 150 150 Total Commercial Banking 67,084 67,084 Total $ 67,084 67,084
Schedule of troubled debt restructurings (including re-modified TDRs) by portfolio segment and by class of financing receivable	The following table presents the amortized cost basis of loans for the periods indicated that were both experiencing financial difficulty and modified during the respective period, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financial receivable is also presented below (dollars in thousands). For the quarter ended March 31, 2024 2023 Payment delay Term extension Combination term extension and interest rate reduction Total class of financing receivable Term extension Combination term extension and interest rate reduction Total class of financing receivable Personal Banking: Residential mortgage loans $ 364 490 — 0.03 % 180 — 0.01 % Home equity loans — 552 84 0.05 % 110 — 0.01 % Consumer loans — — 2 — % — 3 — % Total Personal Banking 364 1,042 86 0.02 % 290 3 — % Commercial Banking: Commercial real estate loans 28,877 243 — 1.09 % 242 — 0.01 % Commercial loans — 56 10 — % 765 — 0.06 % Total Commercial Banking 28,877 299 10 0.61 % 1,007 — 0.02 % Total $ 29,241 1,341 96 0.27 % 1,297 3 0.01 % The following table presents the effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicated: For the quarter ended March 31, 2024 2023 Weighted-average interest rate reduction Weighted-average term extension in months Weighted-average payment deferral in years Weighted-average interest rate reduction Weighted-average term extension in months Personal Banking: Residential mortgage loans — % 143 0.50 — % 147 Home equity loans 2 % 97 — — % 115 Consumer loans 12 % 356 — 12 % 356 Total Personal Banking 3 % 118 0.50 12 % 137 Commercial Banking: Commercial real estate loans — % 106 1.00 — % 24 Commercial loans 4 % 118 — — % 9 Total Commercial Banking 4 % 108 1.00 — % 13 Total loans 3 % 116 1.00 12 % 41 March 31, 2024 : Current 30-59 days 60-89 days 90 days or Personal Banking: Residential mortgage loans $ 406 84 — 364 Home equity loans 616 3 — 17 Consumer loans 2 — — — Total Personal Banking 1,024 87 — 381 Commercial Banking: Commercial real estate loans 29,121 — — — Commercial loans 10 9 47 — Total Commercial Banking 29,131 9 47 — Total loans $ 30,155 96 47 381
Schedule of loans with payment default and modified	The following table provides the amortized cost basis of financing receivables that had a payment default during the period ended March 31, 2024 and were modified within the previous twelve months to borrowers experiencing financial difficulty (in thousands) : Term extension Payment delay Personal Banking: Residential mortgage loans $ — $ 364 Home equity loans 17 — Total Personal Banking 17 364 Total $ 17 $ 364
Schedule of loan delinquencies	The following table provides information related to the amortized cost basis of loan payment delinquencies at March 31, 2024 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 38,502 70 5,813 44,385 3,338,463 3,382,848 1,509 Home equity loans 4,608 761 2,823 8,192 1,188,415 1,196,607 1 Vehicle loans 9,177 2,246 2,496 13,919 1,990,937 2,004,856 59 Consumer loans 734 299 849 1,882 111,629 113,511 627 Total Personal Banking 53,021 3,376 11,981 68,378 6,629,444 6,697,822 2,196 Commercial Banking: Commercial real estate loans 6,181 807 6,041 13,029 2,650,961 2,663,990 — Commercial real estate loans - owner occupied 215 — 890 1,105 363,433 364,538 — Commercial loans 3,091 1,284 3,421 7,796 1,767,100 1,774,896 256 Total Commercial Banking 9,487 2,091 10,352 21,930 4,781,494 4,803,424 256 Total loans $ 62,508 5,467 22,333 90,308 11,410,938 11,501,246 2,452 The following table provides information related to the amortized cost basis of loan payment delinquencies at December 31, 2023 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 30,041 7,796 7,995 45,832 3,382,353 3,428,185 1,671 Home equity loans 5,761 982 3,126 9,869 1,217,989 1,227,858 26 Vehicle loans 10,382 3,326 3,051 16,759 1,991,842 2,008,601 44 Consumer loans 829 428 927 2,184 115,242 117,426 722 Total Personal Banking 47,013 12,532 15,099 74,644 6,707,426 6,782,070 2,463 Commercial Banking: Commercial real estate loans 2,010 1,031 6,535 9,576 2,618,881 2,628,457 225 Commercial real estate loans - owner occupied 1,194 — 177 1,371 344,182 345,553 — Commercial loans 4,196 703 2,780 7,679 1,651,050 1,658,729 10 Total Commercial Banking 7,400 1,734 9,492 18,626 4,614,113 4,632,739 235 Total originated loans $ 54,413 14,266 24,591 93,270 11,321,539 11,414,809 2,698
Schedule of credit quality indicators	The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator and the current period charge-offs by year of origination for each portfolio segment as of March 31, 2024 (in thousands): YTD March 31, 2024 2023 2022 2021 2020 Prior Revolving loans Revolving loans converted to term loans Total loans Personal Banking: Residential mortgage loans Pass $ 7,577 192,489 660,443 782,217 496,755 1,230,826 — — 3,370,307 Substandard — 89 2,551 357 1,208 8,336 — — 12,541 Total residential mortgage loans 7,577 192,578 662,994 782,574 497,963 1,239,162 — — 3,382,848 Residential mortgage current period charge-offs — — — — (113) (49) — — (162) Home equity loans Pass 5,488 67,059 97,697 101,645 140,326 276,751 460,391 42,600 1,191,957 Substandard — — 98 54 197 2,027 1,086 1,188 4,650 Total home equity loans 5,488 67,059 97,795 101,699 140,523 278,778 461,477 43,788 1,196,607 Home equity current period charge-offs — — (35) (2) — (154) (189) (32) (412) Vehicle loans Pass 196,998 615,730 618,045 351,286 113,020 105,357 — — 2,000,436 Substandard — 753 1,310 1,274 257 826 — — 4,420 Total vehicle loans 196,998 616,483 619,355 352,560 113,277 106,183 — — 2,004,856 Vehicle current period charge-offs — (715) (664) (748) (117) (344) — — (2,588) Consumer loans Pass 7,204 21,506 10,028 4,627 1,667 5,099 61,766 717 112,614 Substandard — 51 63 9 — 51 622 101 897 Total consumer loans 7,204 21,557 10,091 4,636 1,667 5,150 62,388 818 113,511 Consumer loan current period charge-offs (13) (1,263) (139) (83) (13) (247) (206) (21) (1,985) Total Personal Banking 217,267 897,677 1,390,235 1,241,469 753,430 1,629,273 523,865 44,606 6,697,822 Commercial Banking: Commercial real estate loans Pass 62,822 232,766 496,664 303,781 319,596 931,515 28,002 24,423 2,399,569 Special mention — 2,831 24,683 27,294 7,111 28,946 733 — 91,598 Substandard 1,256 1,909 2,779 29,626 19,575 117,501 78 99 172,823 Total commercial real estate loans 64,078 237,506 524,126 360,701 346,282 1,077,962 28,813 24,522 2,663,990 Commercial real estate current period charge-offs — — (44) — — (305) — — (349) Commercial real estate loans - owner occupied Pass 22,976 12,903 51,065 47,955 13,886 163,028 2,171 1,304 315,288 Special mention — 13,365 2,381 1,210 1,728 20,965 — — 39,649 Substandard — — — 111 1,647 6,145 — 1,698 9,601 Total commercial real estate loans - owner occupied 22,976 26,268 53,446 49,276 17,261 190,138 2,171 3,002 364,538 Commercial real estate - owner occupied current period charge-offs — — — — — — — — — Commercial loans Pass 203,185 424,258 402,658 67,493 24,976 79,847 492,660 3,442 1,698,519 Special mention 8,019 31,014 3,860 4 298 217 9,045 4 52,461 Substandard — 8,050 3,954 886 222 3,162 3,884 3,758 23,916 Total commercial loans 211,204 463,322 410,472 68,383 25,496 83,226 505,589 7,204 1,774,896 Commercial loans current period charge-offs — (47) (734) (75) (175) (132) — — (1,163) Total Commercial Banking 298,258 727,096 988,044 478,360 389,039 1,351,326 536,573 34,728 4,803,424 Total loans $ 515,525 1,624,773 2,378,279 1,719,829 1,142,469 2,980,599 1,060,438 79,334 11,501,246 The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator for each portfolio segment as of December 31, 2023 (in thousands): 2023 2022 2021 2020 2019 Prior Revolving loans Revolving loans converted to term loans Total loans Personal Banking: Residential mortgage loans Pass $ 186,081 665,379 792,488 506,068 244,678 1,019,152 — — 3,413,846 Substandard — 1,581 — 1,252 311 11,195 — — 14,339 Total residential mortgage loans 186,081 666,960 792,488 507,320 244,989 1,030,347 — — 3,428,185 Residential mortgage current period charge-offs — (9) (5) (130) (23) (1,023) — — (1,189) Home equity loans Pass 71,497 100,639 106,043 146,121 94,144 197,259 463,868 43,526 1,223,097 Substandard — 236 54 197 35 1,733 1,447 1,059 4,761 Total home equity loans 71,497 100,875 106,097 146,318 94,179 198,992 465,315 44,585 1,227,858 Home equity current period charge-offs — (53) (46) — (48) (352) (144) (209) (852) Vehicle loans Pass 664,876 682,275 397,809 132,775 67,853 58,153 — — 2,003,741 Substandard 646 1,418 1,453 299 556 488 — — 4,860 Total vehicle loans 665,522 683,693 399,262 133,074 68,409 58,641 — — 2,008,601 Vehicle current period charge-offs (678) (1,844) (1,967) (475) (652) (853) — — (6,468) Consumer loans Pass 24,277 11,582 5,552 2,072 1,355 6,603 64,214 820 116,475 Substandard 55 43 19 6 6 46 726 50 951 Total consumer loans 24,332 11,625 5,571 2,078 1,361 6,649 64,940 870 117,426 Consumer loan current period charge-offs (3,412) (511) (390) (157) (177) (980) (317) (38) (5,983) Total Personal Banking 947,432 1,463,153 1,303,418 788,790 408,938 1,294,629 530,255 45,455 6,782,070 Commercial Banking: Commercial real estate loans Pass 223,335 470,762 303,873 332,620 228,382 745,244 27,583 24,804 2,356,603 Special Mention 2,819 24,735 27,871 5,365 4,053 38,665 711 — 104,219 Substandard 1,920 750 26,850 18,167 37,044 82,717 79 108 167,635 Total commercial real estate loans 228,074 496,247 358,594 356,152 269,479 866,626 28,373 24,912 2,628,457 Commercial real estate current period (14) — (492) — (51) (1,741) — — (2,298) Commercial real estate loans - Pass 24,725 51,986 47,655 15,984 28,614 140,175 2,378 2,390 313,907 Special Mention 1,221 120 1,218 — 14,386 2,952 — — 19,897 Substandard — — 118 1,666 4,646 4,641 — 678 11,749 Total commercial real estate loans - 25,946 52,106 48,991 17,650 47,646 147,768 2,378 3,068 345,553 Commercial real estate - owner occupied current period charge-offs — — — — — (68) — — (68) Commercial loans Pass 482,605 430,378 73,469 26,868 34,090 54,617 531,742 4,110 1,637,879 Special Mention 508 3,671 52 299 240 26 1,882 — 6,678 Substandard — 3,015 872 356 2,361 840 4,729 1,999 14,172 Total commercial loans 483,113 437,064 74,393 27,523 36,691 55,483 538,353 6,109 1,658,729 Commercial loans current period (35) (2,072) (517) (430) (205) (845) (60) (2) (4,166) Total Commercial Banking 737,133 985,417 481,978 401,325 353,816 1,069,877 569,104 34,089 4,632,739 Total loans $ 1,684,565 2,448,570 1,785,396 1,190,115 762,754 2,364,506 1,099,359 79,544 11,414,809

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	3 Months Ended
	Mar. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of intangible assets subject to amortization	The following table provides information for intangible assets subject to amortization at the dates indicated (in thousands): March 31, 2024 December 31, 2023 Amortizable intangible assets: Core deposit intangibles - gross $ 74,899 74,899 Less: accumulated amortization (70,310) (69,609) Core deposit intangibles - net $ 4,589 5,290 Total intangible assets - net $ 4,589 5,290
Schedule of the actual aggregate amortization expense as well as estimated aggregate amortization expense, based upon current levels of intangible assets	The following table shows the actual aggregate amortization expense for the quarters ended March 31, 2024 and 2023, as well as the estimated aggregate amortization expense, based upon current levels of intangible assets, for the current fiscal year and each of the succeeding fiscal years until the intangible assets are fully amortized (in thousands): For the quarter ended March 31, 2024 $ 701 For the quarter ended March 31, 2023 909 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 (in thousands): Total Balance at December 31, 2023 $ 380,997 Balance at March 31, 2024 $ 380,997

Borrowed Funds (Tables)

Borrowed Funds (Tables)	3 Months Ended
	Mar. 31, 2024
Debt Disclosure [Abstract]
Schedule of borrowed funds	Borrowed funds at March 31, 2024 and December 31, 2023 are presented in the following table: March 31, 2024 December 31, 2023 Amount Average rate Amount Average rate Term notes payable to the FHLB of Pittsburgh, due within one year $ 275,000 5.65 % $ 175,000 5.71 % Notes payable to the FHLB of Pittsburgh, due within one year 55,600 5.67 % 163,500 5.70 % Collateralized borrowings, due within one year 29,882 1.62 % 35,495 1.72 % Collateral received, due within one year 40,301 5.08 % 24,900 5.26 % Total borrowed funds $ 400,783 $ 398,895
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 the date listed (dollars in thousands). Maturity date Interest rate Capital debt securities March 31, 2024 December 31, 2023 Northwest Bancorp Capital Trust III December 30, 2035 3-month SOFR plus 1.38% $ 50,000 $ 51,547 51,547 Northwest Bancorp Statutory Trust IV December 15, 2035 3-month SOFR plus 1.38% 50,000 51,547 51,547 LNB Trust II June 15, 2037 3-month SOFR plus 1.48% 7,875 8,119 8,119 Union National Capital Trust I (1) January 23, 2034 3-month SOFR plus 2.85% 8,000 8,005 7,999 Union National Capital Trust II (1) November 23, 2034 3-month SOFR plus 2.00% 3,000 2,803 2,796 MFBC Statutory Trust I (1) September 15, 2035 3-month SOFR plus 1.70% 5,000 3,814 3,788 Universal Preferred Trust (1) October 7, 2035 3-month SOFR plus 1.69% 5,000 3,804 3,778 $ 128,875 129,639 129,574 (1) Net of discounts due to the fair value adjustment made at the time of acquisition.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2024
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 EPS (in thousands, except share data and per share amounts): Quarter ended March 31, 2024 2023 Net income $ 29,163 33,679 Less: Dividends and undistributed earnings allocated to participating securities 74 146 Net income available to common shareholders $ 29,089 33,533 Weighted average common shares outstanding 126,814,233 126,498,512 Add: Effect of common share options and other stock awards 784,738 551,751 Total weighted average common shares and dilutive potential shares 127,598,971 127,050,263 Basic earnings per share $ 0.23 0.27 Diluted earnings per share $ 0.23 0.26

Pension and Other Post-Retire_2

Pension and Other Post-Retirement Benefits (Tables)	3 Months Ended
	Mar. 31, 2024
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 the net periodic costs for the defined benefit pension plans and post-retirement healthcare plans for the periods indicated (in thousands): Quarter ended March 31, Pension benefits Other post-retirement benefits 2024 2023 2024 2023 Service cost $ 1,425 1,560 — — Interest cost 2,205 2,245 15 7 Expected return on plan assets (3,776) (3,479) — — Amortization of prior service cost (563) (564) — — Amortization of the net loss 18 20 10 10 Net periodic cost $ (691) (218) 25 17

Disclosures About Fair Value _2

Disclosures About Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2024
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 March 31, 2024 (in thousands): Carrying Estimated Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 119,319 119,319 119,319 — — Securities available-for-sale 1,094,009 1,094,009 — 1,094,009 — Securities held-to-maturity 801,107 680,353 — 680,353 — Loans receivable, net 11,368,267 10,370,310 — — 10,370,310 Loans held-for-sale 8,082 8,082 — 213 7,869 Accrued interest receivable 50,680 50,680 50,680 — — Interest rate lock commitments 479 479 — — 479 Forward commitments 58 58 — 58 — Foreign exchange swaps 2 2 — 2 — Interest rate swaps designated as hedging instruments 2,300 2,300 — 2,300 — Interest rate swaps not designated as hedging instruments 45,188 45,188 — 45,188 — FHLB stock 30,811 30,811 — — — Total financial assets $ 13,520,302 12,401,591 169,999 1,822,123 10,378,658 Financial liabilities: Savings and checking deposits $ 9,284,830 9,284,830 9,284,830 — — Time deposits 2,786,814 2,333,365 — — 2,333,365 Borrowed funds 400,783 389,997 389,997 — — Subordinated debt 114,276 112,027 — 112,027 — Junior subordinated debentures 129,639 123,167 — — 123,167 Interest rate swaps not designated as hedging instruments 45,220 45,220 — 45,220 — Risk participation agreements 17 17 — 17 — Accrued interest payable 17,395 17,395 17,395 — — Total financial liabilities $ 12,778,974 12,306,018 9,692,222 157,264 2,456,532 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, 2023 (in thousands): Carrying Estimated Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 122,260 122,260 122,260 — — Securities available-for-sale 1,043,359 1,043,359 — 1,043,359 — Securities held-to-maturity 814,839 699,506 — 699,506 — Loans receivable, net 11,280,798 10,274,593 — — 10,274,593 Residential mortgage loans held-for-sale 8,768 8,768 — — 8,768 Accrued interest receivable 47,353 47,353 47,353 — — Interest rate lock commitments 641 641 — — 641 Forward commitments 12 12 — 12 — Interest rate swaps designated as hedging instruments 713 713 — 713 — Interest rate swaps not designated as hedging instruments 41,406 41,406 — 41,406 — FHLB stock 30,146 30,146 — — — Total financial assets $ 13,390,295 12,268,757 169,613 1,784,996 10,284,002 Financial liabilities: Savings and checking accounts $ 9,377,021 9,377,021 9,377,021 — — Time deposits 2,602,881 2,113,177 — — 2,113,177 Borrowed funds 398,895 386,446 386,446 — — Subordinated debt 114,189 109,471 — 109,471 — Junior subordinated debentures 129,574 112,159 — — 112,159 Foreign exchange swaps 291 291 — 291 — Interest rate swaps designated as hedging instruments 1,198 1,198 — 1,198 — Interest rate swaps not designated as hedging instruments 41,437 41,437 — 41,437 — Risk participation agreements 14 14 — 14 — Accrued interest payable 13,669 13,669 13,669 — — Total financial liabilities $ 12,679,169 12,154,883 9,777,136 152,411 2,225,336
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 at March 31, 2024 (in thousands): Level 1 Level 2 Level 3 Total assets Debt securities: U.S. government and agencies $ — 56,718 — 56,718 Government-sponsored enterprises — 40,519 — 40,519 States and political subdivisions — 74,271 — 74,271 Corporate — 7,634 — 7,634 Total debt securities — 179,142 — 179,142 Residential mortgage-backed securities: GNMA — 31,305 — 31,305 FNMA — 98,861 — 98,861 FHLMC — 82,746 — 82,746 Non-agency — 5 — 5 Collateralized mortgage obligations: GNMA — 374,391 — 374,391 FNMA — 144,489 — 144,489 FHLMC — 183,070 — 183,070 Total mortgage-backed securities — 914,867 — 914,867 Interest rate lock commitments — — 479 479 Forward commitments — 58 — 58 Foreign exchange swaps — 2 — 2 Interest rate swaps designated as hedging instruments — 2,300 — 2,300 Interest rate swaps not designated as hedging instruments — 45,188 — 45,188 Total assets $ — 1,141,557 479 1,142,036 Interest rate swaps not designated as hedging instruments — 45,220 — 45,220 Risk participation agreements — 17 — 17 Total liabilities $ — 45,237 — 45,237 The following table represents assets and liabilities measured at fair value on a recurring basis at December 31, 2023 (in thousands): Level 1 Level 2 Level 3 Total assets Debt securities: U.S. government and agencies $ — 58,314 — 58,314 Government-sponsored enterprises — 40,597 — 40,597 States and political subdivisions — 75,469 — 75,469 Corporate — 7,688 — 7,688 Total debt securities — 182,068 — 182,068 Residential mortgage-backed securities: GNMA — 17,441 — 17,441 FNMA — 102,678 — 102,678 FHLMC — 70,830 — 70,830 Non-agency — 5 — 5 Collateralized mortgage obligations: GNMA — 331,784 — 331,784 FNMA — 148,892 — 148,892 FHLMC — 189,661 — 189,661 Total mortgage-backed securities — 861,291 — 861,291 Interest rate lock commitments — — 641 641 Forward commitments — 12 — 12 Interest rate swaps designated as hedging instruments — 713 — 713 Interest rate swaps not designated as hedging instruments — 41,406 — 41,406 Total assets $ — 1,085,490 641 1,086,131 Foreign exchange swaps $ — 291 — 291 Interest rate swaps designated as hedging instruments — 1,198 — 1,198 Interest rate swaps not designated as hedging instruments — 41,437 — 41,437 Risk participation agreements — 14 — 14 Total liabilities $ — 42,940 — 42,940
Schedule of changes in Level 3 assets and liabilities measured at fair value on a recurring basis	The following table presents the changes in Level 3 assets and liabilities measured at fair value on a recurring basis (in thousands): For the quarter ended March 31, 2024 2023 Beginning balance, $ 641 559 Interest rate lock commitments: Net activity (162) (173) Ending balance $ 479 386
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 March 31, 2024 (in thousands): Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 39,123 39,123 Mortgage servicing rights — — 173 173 Real estate owned, net — — 50 50 Total assets $ — — 39,346 39,346 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, 2023 (in thousands): Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 36,747 36,747 Mortgage servicing rights — — 133 133 Real estate owned, net — — 104 104 Total assets $ — — 36,984 36,984
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 March 31, 2024 (in thousands): Fair value Valuation techniques Significant Range (weighted average) Loans individually assessed $ 39,123 Appraisal value (1) Estimated cost to sell 10% Mortgage servicing rights 173 Discounted cash flow Annual service cost $89 Prepayment rate 6.6% to 18.2% (10.7%) Expected life (months) 51.0 to 102.3 (72.3) Option adjusted spread 729 basis points Forward yield curve 5.43% to 5.33% Real estate owned, net 50 Appraisal value (1) Estimated cost to sell 10% Loans held for sale 7,869 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, or by using the discounted cash flow method if the loan is not collateral dependent.

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2024
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 (in thousands): Asset derivatives Liability derivatives Notional amount Fair value Notional amount Fair value At March 31, 2024 Derivatives designated as hedging instruments: Interest rate swap agreements $ 175,000 2,300 — — Derivatives not designated as hedging instruments: Interest rate swap agreements 740,173 45,188 740,173 45,220 Foreign exchange swap agreements 2,975 2 — — Interest rate lock commitments 18,591 479 — — Forward commitments 2,713 58 — — Risk participation agreements — — 92,281 17 Total Derivatives $ 939,452 48,027 832,454 45,237 At December 31, 2023 Derivatives designated as hedging instruments: Interest rate swap agreements $ 75,000 713 100,000 1,198 Derivatives not designated as hedging instruments: Interest rate swap agreements 725,139 41,406 725,139 41,437 Foreign exchange swap agreements — — 12,278 291 Interest rate lock commitments 21,857 641 — — Forward commitments 281 12 — — Risk participation agreements — — 101,727 14 Total derivatives $ 822,277 42,772 939,144 42,940
Schedule of gain (loss) on derivative instruments	The following table presents income or expense recognized on derivatives for the periods indicated (in thousands): For the quarter ended March 31, 2024 2023 Hedging derivatives: Decrease in interest expense $ 733 — Non-hedging swap derivatives: Increase/(decrease) in other income $ 287 (202) Decrease in mortgage banking income $ (115) (174)
Schedule of interest rate products designated as hedging instruments	The following table presents information regarding our derivative financial instruments designated as hedging for the quarter ended March 31, 2024 (in thousands): Notional amount Effective rate Estimated decrease to interest expense in the next twelve months Maturity date Remaining term Interest rate products: Issued May 11, 2023 $ 25,000 3.50 % $ (546) 5/11/2027 37 Issued May 12, 2023 25,000 3.55 % (534) 5/12/2028 49 Issued May 19, 2023 25,000 3.83 % (460) 11/19/2027 44 Issued May 31, 2023 25,000 4.03 % (406) 11/30/2026 32 Issued July 26, 2023 25,000 4.22 % (359) 7/26/2028 52 Issued July 31, 2023 25,000 4.30 % (336) 1/31/2028 46 Issued August 9, 2023 25,000 4.32 % (339) 8/9/2027 40 Total $ 175,000 $ (2,980)

Changes in Accumulated Other _2

Changes in Accumulated Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2024
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of changes in accumulated other comprehensive income by component	The following tables show the changes in accumulated other comprehensive income by component for the periods indicated (in thousands): For the quarter ended March 31, 2024 Unrealized Change in Change in Total Balance as of December 31, 2023 $ (150,659) (374) 1,541 (149,492) Other comprehensive (loss)/income before reclassification adjustments (1) (2) (5,698) 2,154 — (3,544) Amounts reclassified from accumulated other comprehensive income (3) — — (388) (388) Net other comprehensive (loss)/income (5,698) 2,154 (388) (3,932) Balance as of March 31, 2024 $ (156,357) 1,780 1,153 (153,424) For the quarter ended March 31, 2023 Unrealized Change in Total Balance as of December 31, 2022 $ (164,206) (6,952) (171,158) Other comprehensive income before reclassification adjustments (4) 13,017 — 13,017 Amounts reclassified from accumulated other comprehensive income (5) — (382) (382) Net other comprehensive income/(loss) 13,017 (382) 12,635 Balance as of March 31, 2023 $ (151,189) (7,334) (158,523) (1) Consists of unrealized holding losses, net of tax of $1,758. (2) Change in fair value of interest rate swaps, net of tax ($630). (3) Consists of realized gains, net of tax of $147. (4) Consists of unrealized holding gains, net of tax of ($3,308). (5) Consists of realized gains, net of tax of $152.

Basis of Presentation and Inf_3

Basis of Presentation and Informational Disclosures (Details)	Mar. 31, 2024 bank_location
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of banking locations	142

Marketable Securities - Availab

Marketable Securities - Available For Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized cost
Residential mortgage-backed securities	$ 1,298,108	$ 1,240,003
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	201	223
Gross unrealized holding losses
Gross unrealized holding losses	(204,300)	(196,867)
Fair value
Fair value	1,094,009	1,043,359
U.S. government and agencies
Amortized cost
Due after one year through five years	20,000	20,000
Due after ten years	48,182	49,383
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	(1,204)	(1,135)
Due after ten years	(10,260)	(9,934)
Fair value
Due after one year through five years	18,796	18,865
Due after ten years	37,922	39,449
Government-sponsored enterprises
Amortized cost
Due after one year through five years	45,987	45,986
Due after five years through ten years	360	386
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	(5,819)	(5,763)
Due after five years through ten years	(9)	(12)
Fair value
Due after one year through five years	40,168	40,223
Due after five years through ten years	351	374
Municipal securities
Amortized cost
Due after one year through five years	4,279	4,279
Due after five years through ten years	27,921	20,725
Due after ten years	53,464	60,762
Gross unrealized holding gains
Due after one year through five years	14	22
Due after five years through ten years	47	0
Due after ten years	0	125
Gross unrealized holding losses
Due after one year through five years	(426)	(427)
Due after five years through ten years	(1,886)	(1,437)
Due after ten years	(9,142)	(8,580)
Fair value
Due after one year through five years	3,867	3,874
Due after five years through ten years	26,082	19,288
Due after ten years	44,322	52,307
Corporate debt issues
Amortized cost
Due after five years through ten years	8,467	8,466
Gross unrealized holding gains
Due after five years through ten years	0	0
Gross unrealized holding losses
Due after five years through ten years	(833)	(778)
Fair value
Due after five years through ten years	7,634	7,688
Residential mortgage-backed securities - agency
Amortized cost
Due after one year through five years	22,934
Due after five years through ten years	26,966
Due after ten years	1,039,432
Residential mortgage-backed securities	1,089,448	1,030,016
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	140	76
Gross unrealized holding losses
Gross unrealized holding losses	(174,721)	(168,801)
Fair value
Due after one year through five years	21,419
Due after five years through ten years	25,177
Due after ten years	868,155
Fair value	914,867	861,291
Fixed rate pass-through
Amortized cost
Residential mortgage-backed securities	232,854	209,069
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	93	27
Gross unrealized holding losses
Gross unrealized holding losses	(26,711)	(25,222)
Fair value
Fair value	206,236	183,874
Variable rate pass-through
Amortized cost
Residential mortgage-backed securities	6,738	7,140
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	12	11
Gross unrealized holding losses
Gross unrealized holding losses	(69)	(71)
Fair value
Fair value	6,681	7,080
Fixed rate agency CMOs
Amortized cost
Residential mortgage-backed securities	776,087	789,842
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	0	0
Gross unrealized holding losses
Gross unrealized holding losses	(147,127)	(143,055)
Fair value
Fair value	628,960	646,787
Variable rate agency CMOs
Amortized cost
Residential mortgage-backed securities	73,769	23,965
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	35	38
Gross unrealized holding losses
Gross unrealized holding losses	(814)	(453)
Fair value
Fair value	$ 72,990	$ 23,550

Marketable Securities - Held To

Marketable Securities - Held To Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized cost
Amortized cost	$ 801,107	$ 814,839
Gross unrealized holding gains
Gross unrealized holding gains	1	1
Gross unrealized holding losses
Gross unrealized holding losses	(120,755)	(115,334)
Fair value
Fair value	680,353	699,506
U.S. government-sponsored enterprises
Amortized cost
Due after one year through five years	89,472	69,471
Due after five years through ten years	34,987	54,987
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	(11,232)	(8,100)
Due after five years through ten years	(5,877)	(8,700)
Fair value
Due after one year through five years	78,240	61,371
Due after five years through ten years	29,110	46,287
Residential mortgage-backed securities - agency
Amortized cost
Due after one year through five years	20,144
Due after five years through ten years	20,209
Amortized cost	676,648	690,381
Gross unrealized holding gains
Gross unrealized holding gains	1	1
Gross unrealized holding losses
Gross unrealized holding losses	(103,646)	(98,534)
Fair value
Due after one year through five years	17,635
Due after five years through ten years	16,304
Fair value	573,003	591,848
Fixed rate pass-through
Amortized cost
Amortized cost	144,158	147,874
Gross unrealized holding gains
Gross unrealized holding gains	0	0
Gross unrealized holding losses
Gross unrealized holding losses	(21,062)	(20,834)
Fair value
Fair value	123,096	127,040
Variable rate pass-through
Amortized cost
Amortized cost	432	449
Gross unrealized holding gains
Gross unrealized holding gains	1	1
Gross unrealized holding losses
Gross unrealized holding losses	0	0
Fair value
Fair value	433	450
Fixed rate agency CMOs
Amortized cost
Amortized cost	531,529	541,529
Gross unrealized holding gains
Gross unrealized holding gains	0	0
Gross unrealized holding losses
Gross unrealized holding losses	(82,578)	(77,694)
Fair value
Fair value	448,951	463,835
Variable rate agency CMOs
Amortized cost
Amortized cost	529	529
Gross unrealized holding gains
Gross unrealized holding gains	0	0
Gross unrealized holding losses
Gross unrealized holding losses	(6)	(6)
Fair value
Fair value	$ 523	$ 523

Marketable Securities - Avail_2

Marketable Securities - Available-for-sale, by Contractual Maturity (Details) - Residential mortgage-backed securities - agency $ in Thousands	Mar. 31, 2024 USD ($)
Amortized cost
Due within one year	$ 116
Due after one year through five years	22,934
Due after five years through ten years	26,966
Due after ten years	1,039,432
Total residential mortgage-backed securities	1,089,448
Fair value
Due within one year	116
Due after one year through five years	21,419
Due after five years through ten years	25,177
Due after ten years	868,155
Total residential mortgage-backed securities	$ 914,867

Marketable Securities - Held _2

Marketable Securities - Held To Maturity, by Contractual Maturity (Details) - Residential mortgage-backed securities - agency $ in Thousands	Mar. 31, 2024 USD ($)
Amortized cost
Due in less than one year	$ 38
Due after one year through five years	20,144
Due after five years through ten years	20,209
Due after ten years	636,257
Amortized cost	676,648
Fair value
Due in less than one year	38
Due after one year through five years	17,635
Due after five years through ten years	16,304
Due after ten years	539,026
Total residential mortgage-backed securities	$ 573,003

Marketable Securities - Fair Va

Marketable Securities - Fair Value of and Gross Unrealized Losses on Investment Securities (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($) position	Dec. 31, 2023 USD ($)
Marketable securities available-for-sale
Less than 12 months - Fair value	$ 58,213	$ 20,729
Less than 12 months - Unrealized loss	(857)	(323)
12 months or more - Fair value	1,660,035	1,704,010
12 months or more - Unrealized loss	(324,198)	(311,878)
Total - Fair value	1,718,248	1,724,739
Total - Unrealized loss	$ (325,055)	(312,201)
Number of investment positions with unrealized losses | position	497
U.S. government-sponsored enterprises
Marketable securities available-for-sale
Less than 12 months - Fair value	$ 0	0
Less than 12 months - Unrealized loss	0	0
12 months or more - Fair value	204,587	206,569
12 months or more - Unrealized loss	(34,401)	(33,644)
Total - Fair value	204,587	206,569
Total - Unrealized loss	(34,401)	(33,644)
Corporate debt issues
Marketable securities available-for-sale
Less than 12 months - Fair value	0	0
Less than 12 months - Unrealized loss	0	0
12 months or more - Fair value	7,634	7,688
12 months or more - Unrealized loss	(833)	(778)
Total - Fair value	7,634	7,688
Total - Unrealized loss	(833)	(778)
Municipal securities
Marketable securities available-for-sale
Less than 12 months - Fair value	498	2,753
Less than 12 months - Unrealized loss	(2)	(81)
12 months or more - Fair value	67,691	66,046
12 months or more - Unrealized loss	(11,452)	(10,363)
Total - Fair value	68,189	68,799
Total - Unrealized loss	(11,454)	(10,444)
Residential mortgage-backed securities - agency
Marketable securities available-for-sale
Less than 12 months - Fair value	57,715	17,976
Less than 12 months - Unrealized loss	(855)	(242)
12 months or more - Fair value	1,380,123	1,423,707
12 months or more - Unrealized loss	(277,512)	(267,093)
Total - Fair value	1,437,838	1,441,683
Total - Unrealized loss	$ (278,367)	$ (267,335)

Marketable Securities - Credit

Marketable Securities - Credit Quality of Held To Maturity Securities (Details) $ in Thousands	Mar. 31, 2024 USD ($)
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Held-to-maturity securities	$ 801,107
Residential mortgage-backed securities
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Held-to-maturity securities	676,648
U.S. government and agencies
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Held-to-maturity securities	124,459
AA+
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Held-to-maturity securities	801,107
AA+ | Residential mortgage-backed securities
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Held-to-maturity securities	676,648
AA+ | U.S. government and agencies
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Held-to-maturity securities	$ 124,459

Loans Receivable - Originated a

Loans Receivable - Originated and Acquired Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	$ 11,501,246	$ 11,414,809
Allowance for credit losses	(124,897)	(125,243)	$ (121,257)	$ (118,036)
Total loans receivable, net	11,376,349	11,289,566
Loans held-for-sale	8,082	8,768
Unearned income, unamortized premiums and discounts and deferred fees and costs	68,000	68,000
Personal Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	6,697,822	6,782,070
Allowance for credit losses	(44,668)	(51,706)	(51,617)	(48,887)
Personal Banking | Residential mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	3,382,848	3,428,185
Allowance for credit losses	(16,821)	(18,193)	(19,238)	(19,261)
Loans held-for-sale	8,000	9,000
Personal Banking | Home equity loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	1,196,607	1,227,858
Allowance for credit losses	(5,334)	(5,403)	(5,481)	(5,902)
Personal Banking | Vehicle loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	2,004,856	2,008,601
Allowance for credit losses	(21,061)	(26,911)	(26,166)	(23,059)
Personal Banking | Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	113,511	117,426
Allowance for credit losses	(1,452)	(1,199)	(732)	(665)
Commercial Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	4,803,424	4,632,739
Allowance for credit losses	(80,229)	(73,537)	(69,640)	(69,149)
Commercial Banking | Commercial real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	2,663,990	2,628,457
Allowance for credit losses	(54,474)	(51,267)	(45,404)	(44,506)
Loans held-for-sale	213	0
Commercial Banking | Commercial real estate loans - owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	364,538	345,553
Allowance for credit losses	(4,055)	(3,775)	(3,351)	(4,004)
Commercial Banking | Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	1,774,896	1,658,729
Allowance for credit losses	(21,700)	(18,495)	$ (20,885)	$ (20,639)
Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	10,894,790	10,773,908
Allowance for credit losses	(118,837)	(118,079)
Total loans receivable, net	10,775,953	10,655,829
Originated | Personal Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	6,375,537	6,441,695
Originated | Personal Banking | Residential mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	3,243,079	3,283,299
Originated | Personal Banking | Home equity loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	1,079,671	1,103,410
Originated | Personal Banking | Vehicle loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	1,944,752	1,943,540
Originated | Personal Banking | Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	108,035	111,446
Originated | Commercial Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	4,519,253	4,332,213
Originated | Commercial Banking | Commercial real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	2,436,853	2,389,537
Originated | Commercial Banking | Commercial real estate loans - owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	338,744	319,195
Originated | Commercial Banking | Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	1,743,656	1,623,481
Acquired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	606,456	640,901
Allowance for credit losses	(6,060)	(7,164)
Total loans receivable, net	600,396	633,737
Acquired | Personal Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	322,285	340,375
Acquired | Personal Banking | Residential mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	139,769	144,886
Acquired | Personal Banking | Home equity loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	116,936	124,448
Acquired | Personal Banking | Vehicle loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	60,104	65,061
Acquired | Personal Banking | Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	5,476	5,980
Acquired | Commercial Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	284,171	300,526
Acquired | Commercial Banking | Commercial real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	227,137	238,920
Acquired | Commercial Banking | Commercial real estate loans - owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	25,794	26,358
Acquired | Commercial Banking | Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable, gross	$ 31,240	$ 35,248

Loans Receivable - Changes in t

Loans Receivable - Changes in the Allowance for Losses on Loans Receivable (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Changes in allowance for losses on allocated loans receivable
Beginning balance	$ 125,243	$ 118,036
Current period provision	4,234	4,870
Charge-offs	(6,659)	(4,627)
Recoveries	2,079	2,552
Ending balance	124,897	121,257
ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		426
Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	17,123	12,913
Current period provision	(799)	126
Charge-offs	0	0
Recoveries	0	0
Ending balance	16,324	13,039
Off-Balance Sheet Exposure | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Personal Banking
Changes in allowance for losses on allocated loans receivable
Beginning balance	51,706	48,887
Current period provision	(3,099)	4,598
Charge-offs	(5,147)	(3,105)
Recoveries	1,208	1,237
Ending balance	44,668	51,617
Personal Banking | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Personal Banking | Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	67	78
Current period provision	(2)	(15)
Charge-offs	0	0
Recoveries	0	0
Ending balance	65	63
Personal Banking | Off-Balance Sheet Exposure | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Personal Banking | Residential mortgage loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	18,193	19,261
Current period provision	(1,399)	(1)
Charge-offs	(162)	(207)
Recoveries	189	185
Ending balance	16,821	19,238
Personal Banking | Residential mortgage loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Personal Banking | Residential mortgage loans | Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	2	4
Current period provision	(1)	(1)
Charge-offs	0	0
Recoveries	0	0
Ending balance	1	3
Personal Banking | Residential mortgage loans | Off-Balance Sheet Exposure | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Personal Banking | Home equity loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	5,403	5,902
Current period provision	145	(450)
Charge-offs	(412)	(164)
Recoveries	198	193
Ending balance	5,334	5,481
Personal Banking | Home equity loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Personal Banking | Home equity loans | Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	65	74
Current period provision	(1)	(14)
Charge-offs	0	0
Recoveries	0	0
Ending balance	64	60
Personal Banking | Home equity loans | Off-Balance Sheet Exposure | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Personal Banking | Vehicle loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	26,911	23,059
Current period provision	(3,694)	4,253
Charge-offs	(2,588)	(1,668)
Recoveries	432	522
Ending balance	21,061	26,166
Personal Banking | Vehicle loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Personal Banking | Consumer loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	1,199	665
Current period provision	1,849	796
Charge-offs	(1,985)	(1,066)
Recoveries	389	337
Ending balance	1,452	732
Personal Banking | Consumer loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Commercial Banking
Changes in allowance for losses on allocated loans receivable
Beginning balance	73,537	69,149
Current period provision	7,333	272
Charge-offs	(1,512)	(1,522)
Recoveries	871	1,315
Ending balance	80,229	69,640
Commercial Banking | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		426
Commercial Banking | Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	17,056	12,835
Current period provision	(797)	141
Charge-offs	0	0
Recoveries	0	0
Ending balance	16,259	12,976
Commercial Banking | Off-Balance Sheet Exposure | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Commercial Banking | Commercial real estate loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	51,267	44,506
Current period provision	3,073	121
Charge-offs	(349)	(657)
Recoveries	483	1,008
Ending balance	54,474	45,404
Commercial Banking | Commercial real estate loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		426
Commercial Banking | Commercial real estate loans | Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	6,147	5,375
Current period provision	71	549
Charge-offs	0	0
Recoveries	0	0
Ending balance	6,218	5,924
Commercial Banking | Commercial real estate loans | Off-Balance Sheet Exposure | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Commercial Banking | Commercial real estate loans - owner occupied
Changes in allowance for losses on allocated loans receivable
Beginning balance	3,775	4,004
Current period provision	272	(674)
Charge-offs	0	0
Recoveries	8	21
Ending balance	4,055	3,351
Commercial Banking | Commercial real estate loans - owner occupied | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Commercial Banking | Commercial real estate loans - owner occupied | Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	173	379
Current period provision	(19)	62
Charge-offs	0	0
Recoveries	0	0
Ending balance	154	441
Commercial Banking | Commercial real estate loans - owner occupied | Off-Balance Sheet Exposure | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Commercial Banking | Commercial loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	18,495	20,639
Current period provision	3,988	825
Charge-offs	(1,163)	(865)
Recoveries	380	286
Ending balance	21,700	20,885
Commercial Banking | Commercial loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Commercial Banking | Commercial loans | Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	10,736	7,081
Current period provision	(849)	(470)
Charge-offs	0	0
Recoveries	0	0
Ending balance	$ 9,887	6,611
Commercial Banking | Commercial loans | Off-Balance Sheet Exposure | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		$ 0

Loans Receivable - Loan Portfol

Loans Receivable - Loan Portfolio by Portfolio Segment and by Class of Financing Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	$ 11,501,246	$ 11,414,809
Allowance for credit losses	124,897	125,243	$ 121,257	$ 118,036
Nonaccrual loans	95,060	94,384		81,236
Loans 90 days past due and accruing	2,452	2,698
Personal Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	6,697,822	6,782,070
Allowance for credit losses	44,668	51,706	51,617	48,887
Nonaccrual loans	16,147	18,264		15,746
Loans 90 days past due and accruing	2,196	2,463
Personal Banking | Residential mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	3,382,848	3,428,185
Allowance for credit losses	16,821	18,193	19,238	19,261
Nonaccrual loans	7,109	8,727		7,574
Loans 90 days past due and accruing	1,509	1,671
Personal Banking | Home equity loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	1,196,607	1,227,858
Allowance for credit losses	5,334	5,403	5,481	5,902
Nonaccrual loans	4,409	4,492		4,145
Loans 90 days past due and accruing	1	26
Personal Banking | Vehicle loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	2,004,856	2,008,601
Allowance for credit losses	21,061	26,911	26,166	23,059
Nonaccrual loans	4,360	4,816		3,771
Loans 90 days past due and accruing	59	44
Personal Banking | Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	113,511	117,426
Allowance for credit losses	1,452	1,199	732	665
Nonaccrual loans	269	229		256
Loans 90 days past due and accruing	627	722
Commercial Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	4,803,424	4,632,739
Allowance for credit losses	80,229	73,537	69,640	69,149
Nonaccrual loans	78,913	76,120		65,490
Loans 90 days past due and accruing	256	235
Commercial Banking | Commercial real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	2,663,990	2,628,457
Allowance for credit losses	54,474	51,267	45,404	44,506
Nonaccrual loans	73,133	71,297		62,239
Loans 90 days past due and accruing	0	225
Commercial Banking | Commercial real estate loans - owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	364,538	345,553
Allowance for credit losses	4,055	3,775	3,351	4,004
Nonaccrual loans	1,319	676		624
Loans 90 days past due and accruing	0	0
Commercial Banking | Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	1,774,896	1,658,729
Allowance for credit losses	21,700	18,495	$ 20,885	20,639
Nonaccrual loans	4,461	4,147		$ 2,627
Loans 90 days past due and accruing	$ 256	$ 10

Loans Receivable - Composition

Loans Receivable - Composition of Impaired Loans by Portfolio Segment and Class of Financing Receivable (Details) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	$ 94,384,000	$ 81,236,000
Nonaccrual loans with an allowance	71,125,000	68,835,000
Nonaccrual loans with no allowance	23,935,000	25,549,000
Nonaccrual loans at ending balance	95,060,000	94,384,000
Loans 90 days past due and accruing	2,452,000	2,698,000
Interest income, accrual method	0	0
Amortized cost basis of collateral-dependent loans	67,989,000	67,084,000
Real estate
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	66,733,000	67,084,000
Equipment
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	1,256,000
Personal Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	18,264,000	15,746,000
Nonaccrual loans with an allowance	14,707,000	16,804,000
Nonaccrual loans with no allowance	1,440,000	1,460,000
Nonaccrual loans at ending balance	16,147,000	18,264,000
Loans 90 days past due and accruing	2,196,000	2,463,000
Personal Banking | Residential mortgage loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	8,727,000	7,574,000
Nonaccrual loans with an allowance	6,703,000	8,304,000
Nonaccrual loans with no allowance	406,000	423,000
Nonaccrual loans at ending balance	7,109,000	8,727,000
Loans 90 days past due and accruing	1,509,000	1,671,000
Personal Banking | Home equity loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	4,492,000	4,145,000
Nonaccrual loans with an allowance	4,254,000	4,084,000
Nonaccrual loans with no allowance	155,000	408,000
Nonaccrual loans at ending balance	4,409,000	4,492,000
Loans 90 days past due and accruing	1,000	26,000
Personal Banking | Vehicle loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	4,816,000	3,771,000
Nonaccrual loans with an allowance	3,481,000	4,187,000
Nonaccrual loans with no allowance	879,000	629,000
Nonaccrual loans at ending balance	4,360,000	4,816,000
Loans 90 days past due and accruing	59,000	44,000
Personal Banking | Consumer loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	229,000	256,000
Nonaccrual loans with an allowance	269,000	229,000
Nonaccrual loans with no allowance	0	0
Nonaccrual loans at ending balance	269,000	229,000
Loans 90 days past due and accruing	627,000	722,000
Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	76,120,000	65,490,000
Nonaccrual loans with an allowance	56,418,000	52,031,000
Nonaccrual loans with no allowance	22,495,000	24,089,000
Nonaccrual loans at ending balance	78,913,000	76,120,000
Loans 90 days past due and accruing	256,000	235,000
Amortized cost basis of collateral-dependent loans	67,989,000	67,084,000
Commercial Banking | Real estate
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	66,733,000	67,084,000
Commercial Banking | Equipment
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	1,256,000
Commercial Banking | Commercial real estate loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	71,297,000	62,239,000
Nonaccrual loans with an allowance	50,794,000	47,359,000
Nonaccrual loans with no allowance	22,339,000	23,938,000
Nonaccrual loans at ending balance	73,133,000	71,297,000
Loans 90 days past due and accruing	0	225,000
Amortized cost basis of collateral-dependent loans	67,843,000	66,934,000
Commercial Banking | Commercial real estate loans | Real estate
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	66,587,000	66,934,000
Commercial Banking | Commercial real estate loans | Equipment
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	1,256,000
Commercial Banking | Commercial real estate loans - owner occupied
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	676,000	624,000
Nonaccrual loans with an allowance	1,319,000	676,000
Nonaccrual loans with no allowance	0	0
Nonaccrual loans at ending balance	1,319,000	676,000
Loans 90 days past due and accruing	0	0
Commercial Banking | Commercial loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	4,147,000	2,627,000
Nonaccrual loans with an allowance	4,305,000	3,996,000
Nonaccrual loans with no allowance	156,000	151,000
Nonaccrual loans at ending balance	4,461,000	4,147,000
Loans 90 days past due and accruing	256,000	10,000
Amortized cost basis of collateral-dependent loans	146,000	150,000
Commercial Banking | Commercial loans | Real estate
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	146,000	$ 150,000
Commercial Banking | Commercial loans | Equipment
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	$ 0

Loans Receivable - Amortized Co

Loans Receivable - Amortized Cost Basis of Loans Modified (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Troubled debt restructurings
Total class of financing receivable	0.27%	0.01%
Committed to lend additional amounts	$ 41		$ 31
Payment delay
Troubled debt restructurings
Loans modified in period	29,241
Term extension
Troubled debt restructurings
Loans modified in period	1,341	$ 1,297
Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 96	$ 3
Personal Banking
Troubled debt restructurings
Total class of financing receivable	0.02%	0%
Personal Banking | Payment delay
Troubled debt restructurings
Loans modified in period	$ 364
Personal Banking | Term extension
Troubled debt restructurings
Loans modified in period	1,042	$ 290
Personal Banking | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 86	$ 3
Personal Banking | Residential mortgage loans
Troubled debt restructurings
Total class of financing receivable	0.03%	0.01%
Personal Banking | Residential mortgage loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 364
Personal Banking | Residential mortgage loans | Term extension
Troubled debt restructurings
Loans modified in period	490	$ 180
Personal Banking | Residential mortgage loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 0	$ 0
Personal Banking | Home equity loans
Troubled debt restructurings
Total class of financing receivable	0.05%	0.01%
Personal Banking | Home equity loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 0
Personal Banking | Home equity loans | Term extension
Troubled debt restructurings
Loans modified in period	552	$ 110
Personal Banking | Home equity loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 84	$ 0
Personal Banking | Consumer loans
Troubled debt restructurings
Total class of financing receivable	0%	0%
Personal Banking | Consumer loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 0
Personal Banking | Consumer loans | Term extension
Troubled debt restructurings
Loans modified in period	0	$ 0
Personal Banking | Consumer loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 2	$ 3
Commercial Banking
Troubled debt restructurings
Total class of financing receivable	0.61%	0.02%
Commercial Banking | Payment delay
Troubled debt restructurings
Loans modified in period	$ 28,877
Commercial Banking | Term extension
Troubled debt restructurings
Loans modified in period	299	$ 1,007
Commercial Banking | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 10	$ 0
Commercial Banking | Commercial real estate loans
Troubled debt restructurings
Total class of financing receivable	1.09%	0.01%
Commercial Banking | Commercial real estate loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 28,877
Commercial Banking | Commercial real estate loans | Term extension
Troubled debt restructurings
Loans modified in period	243	$ 242
Commercial Banking | Commercial real estate loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 0	$ 0
Commercial Banking | Commercial loans
Troubled debt restructurings
Total class of financing receivable	0%	0.06%
Commercial Banking | Commercial loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 0
Commercial Banking | Commercial loans | Term extension
Troubled debt restructurings
Loans modified in period	56	$ 765
Commercial Banking | Commercial loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 10	$ 0

Loans Receivable - Financing Re

Loans Receivable - Financing Receivable Weighted Average Modified Period (Details)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Troubled debt restructurings
Weighted-average interest rate reduction	3%	12%
Weighted-average term extension in months	116 months	41 months
Weighted-average payment deferral in years	1 year
Personal Banking
Troubled debt restructurings
Weighted-average interest rate reduction	3%	12%
Weighted-average term extension in months	118 months	137 months
Weighted-average payment deferral in years	6 months
Personal Banking | Residential mortgage loans
Troubled debt restructurings
Weighted-average interest rate reduction	0%
Weighted-average term extension in months	143 months	147 months
Weighted-average payment deferral in years	6 months
Personal Banking | Home equity loans
Troubled debt restructurings
Weighted-average interest rate reduction	2%
Weighted-average term extension in months	97 months	115 months
Personal Banking | Consumer loans
Troubled debt restructurings
Weighted-average interest rate reduction	12%	12%
Weighted-average term extension in months	356 months	356 months
Commercial Banking
Troubled debt restructurings
Weighted-average interest rate reduction	4%
Weighted-average term extension in months	108 months	13 months
Weighted-average payment deferral in years	1 year
Commercial Banking | Commercial real estate loans
Troubled debt restructurings
Weighted-average interest rate reduction	0%
Weighted-average term extension in months	106 months	24 months
Weighted-average payment deferral in years	1 year
Commercial Banking | Commercial loans
Troubled debt restructurings
Weighted-average interest rate reduction	4%
Weighted-average term extension in months	118 months	9 months

Loans Receivable - Performance

Loans Receivable - Performance of Loans (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)
Current
Troubled debt restructurings
Loans modified in period	$ 30,155
30-59 days delinquent
Troubled debt restructurings
Loans modified in period	96
60-89 days delinquent
Troubled debt restructurings
Loans modified in period	47
90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	381
Personal Banking | Current
Troubled debt restructurings
Loans modified in period	1,024
Personal Banking | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	87
Personal Banking | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	381
Personal Banking | Residential mortgage loans | Current
Troubled debt restructurings
Loans modified in period	406
Personal Banking | Residential mortgage loans | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	84
Personal Banking | Residential mortgage loans | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	364
Personal Banking | Home equity loans | Current
Troubled debt restructurings
Loans modified in period	616
Personal Banking | Home equity loans | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	3
Personal Banking | Home equity loans | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	17
Personal Banking | Consumer loans | Current
Troubled debt restructurings
Loans modified in period	2
Commercial Banking | Current
Troubled debt restructurings
Loans modified in period	29,131
Commercial Banking | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	9
Commercial Banking | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	47
Commercial Banking | Commercial real estate loans | Current
Troubled debt restructurings
Loans modified in period	29,121
Commercial Banking | Commercial loans | Current
Troubled debt restructurings
Loans modified in period	10
Commercial Banking | Commercial loans | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	9
Commercial Banking | Commercial loans | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	$ 47

Loans Receivable - Loans Modifi

Loans Receivable - Loans Modified with Payment Default (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)
Term extension
Financing Receivable, Modified, Subsequent Default [Line Items]
Loans with payment default and modified	$ 17
Payment delay
Financing Receivable, Modified, Subsequent Default [Line Items]
Loans with payment default and modified	364
Personal Banking | Term extension
Financing Receivable, Modified, Subsequent Default [Line Items]
Loans with payment default and modified	17
Personal Banking | Term extension | Residential mortgage loans
Financing Receivable, Modified, Subsequent Default [Line Items]
Loans with payment default and modified	0
Personal Banking | Term extension | Home equity loans
Financing Receivable, Modified, Subsequent Default [Line Items]
Loans with payment default and modified	17
Personal Banking | Payment delay
Financing Receivable, Modified, Subsequent Default [Line Items]
Loans with payment default and modified	364
Personal Banking | Payment delay | Residential mortgage loans
Financing Receivable, Modified, Subsequent Default [Line Items]
Loans with payment default and modified	364
Personal Banking | Payment delay | Home equity loans
Financing Receivable, Modified, Subsequent Default [Line Items]
Loans with payment default and modified	$ 0

Loans Receivable - Loan Delinqu

Loans Receivable - Loan Delinquencies (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Loan payment delinquencies
Total loans receivable	$ 11,501,246	$ 11,414,809
90 days or greater delinquent and accruing	2,452	2,698
Total delinquency
Loan payment delinquencies
Total loans receivable	90,308	93,270
30-59 days delinquent
Loan payment delinquencies
Total loans receivable	62,508	54,413
60-89 days delinquent
Loan payment delinquencies
Total loans receivable	5,467	14,266
90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	22,333	24,591
Current
Loan payment delinquencies
Total loans receivable	11,410,938	11,321,539
Personal Banking
Loan payment delinquencies
Total loans receivable	6,697,822	6,782,070
90 days or greater delinquent and accruing	2,196	2,463
Personal Banking | Total delinquency
Loan payment delinquencies
Total loans receivable	68,378	74,644
Personal Banking | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	53,021	47,013
Personal Banking | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	3,376	12,532
Personal Banking | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	11,981	15,099
Personal Banking | Current
Loan payment delinquencies
Total loans receivable	6,629,444	6,707,426
Personal Banking | Residential mortgage loans
Loan payment delinquencies
Total loans receivable	3,382,848	3,428,185
90 days or greater delinquent and accruing	1,509	1,671
Personal Banking | Residential mortgage loans | Total delinquency
Loan payment delinquencies
Total loans receivable	44,385	45,832
Personal Banking | Residential mortgage loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	38,502	30,041
Personal Banking | Residential mortgage loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	70	7,796
Personal Banking | Residential mortgage loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	5,813	7,995
Personal Banking | Residential mortgage loans | Current
Loan payment delinquencies
Total loans receivable	3,338,463	3,382,353
Personal Banking | Home equity loans
Loan payment delinquencies
Total loans receivable	1,196,607	1,227,858
90 days or greater delinquent and accruing	1	26
Personal Banking | Home equity loans | Total delinquency
Loan payment delinquencies
Total loans receivable	8,192	9,869
Personal Banking | Home equity loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	4,608	5,761
Personal Banking | Home equity loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	761	982
Personal Banking | Home equity loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	2,823	3,126
Personal Banking | Home equity loans | Current
Loan payment delinquencies
Total loans receivable	1,188,415	1,217,989
Personal Banking | Vehicle loans
Loan payment delinquencies
Total loans receivable	2,004,856	2,008,601
90 days or greater delinquent and accruing	59	44
Personal Banking | Vehicle loans | Total delinquency
Loan payment delinquencies
Total loans receivable	13,919	16,759
Personal Banking | Vehicle loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	9,177	10,382
Personal Banking | Vehicle loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	2,246	3,326
Personal Banking | Vehicle loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	2,496	3,051
Personal Banking | Vehicle loans | Current
Loan payment delinquencies
Total loans receivable	1,990,937	1,991,842
Personal Banking | Consumer loans
Loan payment delinquencies
Total loans receivable	113,511	117,426
90 days or greater delinquent and accruing	627	722
Personal Banking | Consumer loans | Total delinquency
Loan payment delinquencies
Total loans receivable	1,882	2,184
Personal Banking | Consumer loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	734	829
Personal Banking | Consumer loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	299	428
Personal Banking | Consumer loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	849	927
Personal Banking | Consumer loans | Current
Loan payment delinquencies
Total loans receivable	111,629	115,242
Commercial Banking
Loan payment delinquencies
Total loans receivable	4,803,424	4,632,739
90 days or greater delinquent and accruing	256	235
Commercial Banking | Total delinquency
Loan payment delinquencies
Total loans receivable	21,930	18,626
Commercial Banking | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	9,487	7,400
Commercial Banking | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	2,091	1,734
Commercial Banking | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	10,352	9,492
Commercial Banking | Current
Loan payment delinquencies
Total loans receivable	4,781,494	4,614,113
Commercial Banking | Commercial real estate loans
Loan payment delinquencies
Total loans receivable	2,663,990	2,628,457
90 days or greater delinquent and accruing	0	225
Commercial Banking | Commercial real estate loans | Total delinquency
Loan payment delinquencies
Total loans receivable	13,029	9,576
Commercial Banking | Commercial real estate loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	6,181	2,010
Commercial Banking | Commercial real estate loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	807	1,031
Commercial Banking | Commercial real estate loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	6,041	6,535
Commercial Banking | Commercial real estate loans | Current
Loan payment delinquencies
Total loans receivable	2,650,961	2,618,881
Commercial Banking | Commercial real estate loans - owner occupied
Loan payment delinquencies
Total loans receivable	364,538	345,553
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	1,105	1,371
Commercial Banking | Commercial real estate loans - owner occupied | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	215	1,194
Commercial Banking | Commercial real estate loans - owner occupied | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	0	0
Commercial Banking | Commercial real estate loans - owner occupied | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	890	177
Commercial Banking | Commercial real estate loans - owner occupied | Current
Loan payment delinquencies
Total loans receivable	363,433	344,182
Commercial Banking | Commercial loans
Loan payment delinquencies
Total loans receivable	1,774,896	1,658,729
90 days or greater delinquent and accruing	256	10
Commercial Banking | Commercial loans | Total delinquency
Loan payment delinquencies
Total loans receivable	7,796	7,679
Commercial Banking | Commercial loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	3,091	4,196
Commercial Banking | Commercial loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	1,284	703
Commercial Banking | Commercial loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	3,421	2,780
Commercial Banking | Commercial loans | Current
Loan payment delinquencies
Total loans receivable	$ 1,767,100	$ 1,651,050

Loans Receivable - Credit Quali

Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Credit quality indicators
Year one	$ 515,525	$ 1,684,565
Year two	1,624,773	2,448,570
Year three	2,378,279	1,785,396
Year four	1,719,829	1,190,115
Year five	1,142,469	762,754
Prior	2,980,599	2,364,506
Revolving loans	1,060,438	1,099,359
Revolving loans converted to term loans	79,334	79,544
Total loans receivable, gross	11,501,246	11,414,809
Revolving loans converted to term loans during the period	3,000	19,000
Special mention and substandard | Minimum
Credit quality indicators
Total loans receivable, gross	1,000
Personal Banking
Credit quality indicators
Year one	217,267	947,432
Year two	897,677	1,463,153
Year three	1,390,235	1,303,418
Year four	1,241,469	788,790
Year five	753,430	408,938
Prior	1,629,273	1,294,629
Revolving loans	523,865	530,255
Revolving loans converted to term loans	44,606	45,455
Total loans receivable, gross	6,697,822	6,782,070
Personal Banking | Residential mortgage loans
Credit quality indicators
Year one	7,577	186,081
Year two	192,578	666,960
Year three	662,994	792,488
Year four	782,574	507,320
Year five	497,963	244,989
Prior	1,239,162	1,030,347
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	3,382,848	3,428,185
Year one, charge-offs	0	0
Year two, charge-offs	0	(9)
Year three, charge-offs	0	(5)
Year four, charge-offs	0	(130)
Year five, charge-offs	(113)	(23)
Prior, charge-offs	(49)	(1,023)
Revolving loans, charge-offs	0	0
Revolving loans converted to term loans, charge-offs	0	0
Total loans receivable, charge-offs	(162)	(1,189)
Personal Banking | Residential mortgage loans | Pass
Credit quality indicators
Year one	7,577	186,081
Year two	192,489	665,379
Year three	660,443	792,488
Year four	782,217	506,068
Year five	496,755	244,678
Prior	1,230,826	1,019,152
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	3,370,307	3,413,846
Personal Banking | Residential mortgage loans | Substandard
Credit quality indicators
Year one	0	0
Year two	89	1,581
Year three	2,551	0
Year four	357	1,252
Year five	1,208	311
Prior	8,336	11,195
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	12,541	14,339
Personal Banking | Home equity loans
Credit quality indicators
Year one	5,488	71,497
Year two	67,059	100,875
Year three	97,795	106,097
Year four	101,699	146,318
Year five	140,523	94,179
Prior	278,778	198,992
Revolving loans	461,477	465,315
Revolving loans converted to term loans	43,788	44,585
Total loans receivable, gross	1,196,607	1,227,858
Year one, charge-offs	0	0
Year two, charge-offs	0	(53)
Year three, charge-offs	(35)	(46)
Year four, charge-offs	(2)	0
Year five, charge-offs	0	(48)
Prior, charge-offs	(154)	(352)
Revolving loans, charge-offs	(189)	(144)
Revolving loans converted to term loans, charge-offs	(32)	(209)
Total loans receivable, charge-offs	(412)	(852)
Personal Banking | Home equity loans | Pass
Credit quality indicators
Year one	5,488	71,497
Year two	67,059	100,639
Year three	97,697	106,043
Year four	101,645	146,121
Year five	140,326	94,144
Prior	276,751	197,259
Revolving loans	460,391	463,868
Revolving loans converted to term loans	42,600	43,526
Total loans receivable, gross	1,191,957	1,223,097
Personal Banking | Home equity loans | Substandard
Credit quality indicators
Year one	0	0
Year two	0	236
Year three	98	54
Year four	54	197
Year five	197	35
Prior	2,027	1,733
Revolving loans	1,086	1,447
Revolving loans converted to term loans	1,188	1,059
Total loans receivable, gross	4,650	4,761
Personal Banking | Vehicle loans
Credit quality indicators
Year one	196,998	665,522
Year two	616,483	683,693
Year three	619,355	399,262
Year four	352,560	133,074
Year five	113,277	68,409
Prior	106,183	58,641
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	2,004,856	2,008,601
Year one, charge-offs	0	(678)
Year two, charge-offs	(715)	(1,844)
Year three, charge-offs	(664)	(1,967)
Year four, charge-offs	(748)	(475)
Year five, charge-offs	(117)	(652)
Prior, charge-offs	(344)	(853)
Revolving loans, charge-offs	0	0
Revolving loans converted to term loans, charge-offs	0	0
Total loans receivable, charge-offs	(2,588)	(6,468)
Personal Banking | Vehicle loans | Pass
Credit quality indicators
Year one	196,998	664,876
Year two	615,730	682,275
Year three	618,045	397,809
Year four	351,286	132,775
Year five	113,020	67,853
Prior	105,357	58,153
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	2,000,436	2,003,741
Personal Banking | Vehicle loans | Substandard
Credit quality indicators
Year one	0	646
Year two	753	1,418
Year three	1,310	1,453
Year four	1,274	299
Year five	257	556
Prior	826	488
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	4,420	4,860
Personal Banking | Consumer loans
Credit quality indicators
Year one	7,204	24,332
Year two	21,557	11,625
Year three	10,091	5,571
Year four	4,636	2,078
Year five	1,667	1,361
Prior	5,150	6,649
Revolving loans	62,388	64,940
Revolving loans converted to term loans	818	870
Total loans receivable, gross	113,511	117,426
Year one, charge-offs	(13)	(3,412)
Year two, charge-offs	(1,263)	(511)
Year three, charge-offs	(139)	(390)
Year four, charge-offs	(83)	(157)
Year five, charge-offs	(13)	(177)
Prior, charge-offs	(247)	(980)
Revolving loans, charge-offs	(206)	(317)
Revolving loans converted to term loans, charge-offs	(21)	(38)
Total loans receivable, charge-offs	(1,985)	(5,983)
Personal Banking | Consumer loans | Pass
Credit quality indicators
Year one	7,204	24,277
Year two	21,506	11,582
Year three	10,028	5,552
Year four	4,627	2,072
Year five	1,667	1,355
Prior	5,099	6,603
Revolving loans	61,766	64,214
Revolving loans converted to term loans	717	820
Total loans receivable, gross	112,614	116,475
Personal Banking | Consumer loans | Substandard
Credit quality indicators
Year one	0	55
Year two	51	43
Year three	63	19
Year four	9	6
Year five	0	6
Prior	51	46
Revolving loans	622	726
Revolving loans converted to term loans	101	50
Total loans receivable, gross	897	951
Commercial Banking
Credit quality indicators
Year one	298,258	737,133
Year two	727,096	985,417
Year three	988,044	481,978
Year four	478,360	401,325
Year five	389,039	353,816
Prior	1,351,326	1,069,877
Revolving loans	536,573	569,104
Revolving loans converted to term loans	34,728	34,089
Total loans receivable, gross	4,803,424	4,632,739
Commercial Banking | Commercial real estate loans
Credit quality indicators
Year one	64,078	228,074
Year two	237,506	496,247
Year three	524,126	358,594
Year four	360,701	356,152
Year five	346,282	269,479
Prior	1,077,962	866,626
Revolving loans	28,813	28,373
Revolving loans converted to term loans	24,522	24,912
Total loans receivable, gross	2,663,990	2,628,457
Year one, charge-offs	0	(14)
Year two, charge-offs	0	0
Year three, charge-offs	(44)	(492)
Year four, charge-offs	0	0
Year five, charge-offs	0	(51)
Prior, charge-offs	(305)	(1,741)
Revolving loans, charge-offs	0	0
Revolving loans converted to term loans, charge-offs	0	0
Total loans receivable, charge-offs	(349)	(2,298)
Commercial Banking | Commercial real estate loans | Pass
Credit quality indicators
Year one	62,822	223,335
Year two	232,766	470,762
Year three	496,664	303,873
Year four	303,781	332,620
Year five	319,596	228,382
Prior	931,515	745,244
Revolving loans	28,002	27,583
Revolving loans converted to term loans	24,423	24,804
Total loans receivable, gross	2,399,569	2,356,603
Commercial Banking | Commercial real estate loans | Special mention
Credit quality indicators
Year one	0	2,819
Year two	2,831	24,735
Year three	24,683	27,871
Year four	27,294	5,365
Year five	7,111	4,053
Prior	28,946	38,665
Revolving loans	733	711
Revolving loans converted to term loans	0	0
Total loans receivable, gross	91,598	104,219
Commercial Banking | Commercial real estate loans | Substandard
Credit quality indicators
Year one	1,256	1,920
Year two	1,909	750
Year three	2,779	26,850
Year four	29,626	18,167
Year five	19,575	37,044
Prior	117,501	82,717
Revolving loans	78	79
Revolving loans converted to term loans	99	108
Total loans receivable, gross	172,823	167,635
Commercial Banking | Commercial real estate loans - owner occupied
Credit quality indicators
Year one	22,976	25,946
Year two	26,268	52,106
Year three	53,446	48,991
Year four	49,276	17,650
Year five	17,261	47,646
Prior	190,138	147,768
Revolving loans	2,171	2,378
Revolving loans converted to term loans	3,002	3,068
Total loans receivable, gross	364,538	345,553
Year one, charge-offs	0	0
Year two, charge-offs	0	0
Year three, charge-offs	0	0
Year four, charge-offs	0	0
Year five, charge-offs	0	0
Prior, charge-offs	0	(68)
Revolving loans, charge-offs	0	0
Revolving loans converted to term loans, charge-offs	0	0
Total loans receivable, charge-offs	0	(68)
Commercial Banking | Commercial real estate loans - owner occupied | Pass
Credit quality indicators
Year one	22,976	24,725
Year two	12,903	51,986
Year three	51,065	47,655
Year four	47,955	15,984
Year five	13,886	28,614
Prior	163,028	140,175
Revolving loans	2,171	2,378
Revolving loans converted to term loans	1,304	2,390
Total loans receivable, gross	315,288	313,907
Commercial Banking | Commercial real estate loans - owner occupied | Special mention
Credit quality indicators
Year one	0	1,221
Year two	13,365	120
Year three	2,381	1,218
Year four	1,210	0
Year five	1,728	14,386
Prior	20,965	2,952
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	39,649	19,897
Commercial Banking | Commercial real estate loans - owner occupied | Substandard
Credit quality indicators
Year one	0	0
Year two	0	0
Year three	0	118
Year four	111	1,666
Year five	1,647	4,646
Prior	6,145	4,641
Revolving loans	0	0
Revolving loans converted to term loans	1,698	678
Total loans receivable, gross	9,601	11,749
Commercial Banking | Commercial loans
Credit quality indicators
Year one	211,204	483,113
Year two	463,322	437,064
Year three	410,472	74,393
Year four	68,383	27,523
Year five	25,496	36,691
Prior	83,226	55,483
Revolving loans	505,589	538,353
Revolving loans converted to term loans	7,204	6,109
Total loans receivable, gross	1,774,896	1,658,729
Year one, charge-offs	0	(35)
Year two, charge-offs	(47)	(2,072)
Year three, charge-offs	(734)	(517)
Year four, charge-offs	(75)	(430)
Year five, charge-offs	(175)	(205)
Prior, charge-offs	(132)	(845)
Revolving loans, charge-offs	0	(60)
Revolving loans converted to term loans, charge-offs	0	(2)
Total loans receivable, charge-offs	(1,163)	(4,166)
Commercial Banking | Commercial loans | Pass
Credit quality indicators
Year one	203,185	482,605
Year two	424,258	430,378
Year three	402,658	73,469
Year four	67,493	26,868
Year five	24,976	34,090
Prior	79,847	54,617
Revolving loans	492,660	531,742
Revolving loans converted to term loans	3,442	4,110
Total loans receivable, gross	1,698,519	1,637,879
Commercial Banking | Commercial loans | Special mention
Credit quality indicators
Year one	8,019	508
Year two	31,014	3,671
Year three	3,860	52
Year four	4	299
Year five	298	240
Prior	217	26
Revolving loans	9,045	1,882
Revolving loans converted to term loans	4	0
Total loans receivable, gross	52,461	6,678
Commercial Banking | Commercial loans | Substandard
Credit quality indicators
Year one	0	0
Year two	8,050	3,015
Year three	3,954	872
Year four	886	356
Year five	222	2,361
Prior	3,162	840
Revolving loans	3,884	4,729
Revolving loans converted to term loans	3,758	1,999
Total loans receivable, gross	$ 23,916	$ 14,172

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Intangible Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Amortizable intangible assets:
Intangible asset - net	$ 4,589		$ 5,290
Estimated amortization expense
Amortization expense	701	$ 909
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	(70,310)		(69,609)
Intangible asset - net	$ 4,589		$ 5,290

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Changes in the Carrying Amount of Goodwill (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Mar. 31, 2024	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill		$ 380,997	$ 380,997
Goodwill impairment	$ 0

Borrowed Funds - Schedule of Bo

Borrowed Funds - Schedule of Borrowed Funds (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Borrowed funds	$ 400,783	$ 398,895
Collateralized borrowings, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 29,882	$ 35,495
Average rate	1.62%	1.72%
Collateral received, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 40,301	$ 24,900
Average rate	5.08%	5.26%
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 275,000	$ 175,000
Average rate	5.65%	5.71%
Federal Home Loan Bank of Pittsburgh | Notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 55,600	$ 163,500
Average rate	5.67%	5.70%

Borrowed Funds - Narrative (Det

Borrowed Funds - Narrative (Details)		3 Months Ended		12 Months Ended
	Sep. 09, 2020 USD ($)	Mar. 31, 2024 USD ($) business_trust advance	Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($)
Debt Instrument [Line Items]
Borrowed funds		$ 400,783,000		$ 398,895,000
Total loans receivable, net		11,376,349,000		11,289,566,000
Subordinated debt		$ 114,276,000		114,189,000
Number of statutory business trusts owned | business_trust		7
Trust Preferred Investments
Debt Instrument [Line Items]
Interest paid, net		$ 2,000,000	$ 2,000,000
Maximum period for which interest payment on the subordinated debentures can be deferred (in years)		5 years
Interest deferral		$ 0
Federal Home Loan Bank of Pittsburgh
Debt Instrument [Line Items]
Number of advances | advance		8
Federal Home Loan Bank of Pittsburgh | Residential First Mortgage and Other Loans
Debt Instrument [Line Items]
Total loans receivable, net		$ 6,000,000,000
Collateral received, due within one year
Debt Instrument [Line Items]
Borrowed funds		40,301,000		24,900,000
Revolving line of credit, FHLB of Pittsburgh | Federal Home Loan Bank of Pittsburgh
Debt Instrument [Line Items]
Maximum borrowing capacity		250,000,000
Revolving line of credit		56,000,000		164,000,000
Collateralized borrowings, due within one year
Debt Instrument [Line Items]
Borrowed funds		29,882,000		35,495,000
Cash and securities collateral		50,000,000
Term notes payable to the FHLB of Pittsburgh, due within one year | Federal Home Loan Bank of Pittsburgh
Debt Instrument [Line Items]
Borrowed funds		275,000,000		175,000,000
Term notes payable to the FHLB of Pittsburgh, due within one year | Federal Home Loan Bank of Pittsburgh | Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
Debt issued		$ 100,000,000
Stated rate (as a percent)		5.68%
Term notes payable to the FHLB of Pittsburgh, due within one year | Federal Home Loan Bank of Pittsburgh | Debt Instrument, Redemption, Period Two
Debt Instrument [Line Items]
Debt issued		$ 25,000,000
Stated rate (as a percent)		5.63%
Term notes payable to the FHLB of Pittsburgh, due within one year | Federal Home Loan Bank of Pittsburgh | Debt Instrument, Redemption, Period Three
Debt Instrument [Line Items]
Debt issued		$ 25,000,000
Stated rate (as a percent)		5.61%
Term notes payable to the FHLB of Pittsburgh, due within one year | Federal Home Loan Bank of Pittsburgh | Debt Instrument, Redemption, Period Four
Debt Instrument [Line Items]
Debt issued		$ 25,000,000
Stated rate (as a percent)		5.65%
Term notes payable to the FHLB of Pittsburgh, due within one year | Federal Home Loan Bank of Pittsburgh | Debt Instrument, Redemption, Period Five
Debt Instrument [Line Items]
Debt issued		$ 25,000,000
Stated rate (as a percent)		5.64%
Term notes payable to the FHLB of Pittsburgh, due within one year | Federal Home Loan Bank of Pittsburgh | Debt Instrument, Redemption, Period Six
Debt Instrument [Line Items]
Debt issued		$ 25,000,000
Stated rate (as a percent)		5.64%
Term notes payable to the FHLB of Pittsburgh, due within one year | Federal Home Loan Bank of Pittsburgh | Debt Instrument, Redemption, Period Seven
Debt Instrument [Line Items]
Debt issued		$ 25,000,000
Stated rate (as a percent)		5.63%
Term notes payable to the FHLB of Pittsburgh, due within one year | Federal Home Loan Bank of Pittsburgh | Debt Instrument, Redemption, Period Eight
Debt Instrument [Line Items]
Debt issued		$ 25,000,000
Stated rate (as a percent)		5.63%
Subordinated debt
Debt Instrument [Line Items]
Debt issued	$ 125,000,000
Stated rate (as a percent)	4%
Repurchase amount				10,000,000
Amount outstanding after repurchase				115,000,000
Debt issuance costs				$ 2,000,000
Debt issuance amortization period (in years)				5 years
Interest paid, net		$ 1,200,000	$ 1,200,000
Subordinated debt | SOFR
Debt Instrument [Line Items]
Interest rate	3.89%

Borrowed Funds - Capital Debt S

Borrowed Funds - Capital Debt Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Junior subordinated debentures	$ 129,639	$ 129,574
Trust Preferred Investments
Debt Instrument [Line Items]
Capital debt securities	128,875
Junior subordinated debentures	129,639	129,574
Trust Preferred Investments | Northwest Bancorp Capital Trust III
Debt Instrument [Line Items]
Capital debt securities	50,000
Junior subordinated debentures	$ 51,547	51,547
Trust Preferred Investments | Northwest Bancorp Capital Trust III | SOFR
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.38%
Trust Preferred Investments | Northwest Bancorp Statutory Trust IV
Debt Instrument [Line Items]
Capital debt securities	$ 50,000
Junior subordinated debentures	$ 51,547	51,547
Trust Preferred Investments | Northwest Bancorp Statutory Trust IV | SOFR
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.38%
Trust Preferred Investments | LNB Trust II
Debt Instrument [Line Items]
Capital debt securities	$ 7,875
Junior subordinated debentures	$ 8,119	8,119
Trust Preferred Investments | LNB Trust II | SOFR
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.48%
Trust Preferred Investments | Union National Capital Trust I
Debt Instrument [Line Items]
Capital debt securities	$ 8,000
Junior subordinated debentures	$ 8,005	7,999
Trust Preferred Investments | Union National Capital Trust I | SOFR
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2.85%
Trust Preferred Investments | Union National Capital Trust II
Debt Instrument [Line Items]
Capital debt securities	$ 3,000
Junior subordinated debentures	$ 2,803	2,796
Trust Preferred Investments | Union National Capital Trust II | SOFR
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2%
Trust Preferred Investments | MFBC Statutory Trust I
Debt Instrument [Line Items]
Capital debt securities	$ 5,000
Junior subordinated debentures	$ 3,814	3,788
Trust Preferred Investments | MFBC Statutory Trust I | SOFR
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.70%
Trust Preferred Investments | Universal Preferred Trust
Debt Instrument [Line Items]
Capital debt securities	$ 5,000
Junior subordinated debentures	$ 3,804	$ 3,778
Trust Preferred Investments | Universal Preferred Trust | SOFR
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.69%

Guarantees (Details)

Guarantees (Details) $ in Millions	Mar. 31, 2024 USD ($)
Private Label Credit Card Facilities
Guarantor Obligations [Line Items]
Credit limit	$ 10
Private Label Credit Card Facilities | Credit Cards Issued
Guarantor Obligations [Line Items]
Credit limit	9
Outstanding balance	1
Standby Letters of Credit
Guarantor Obligations [Line Items]
Maximum potential amount of future payments	60
Maximum exposure collateralized	43
Liability recognized for the obligations	$ 1

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Earnings Per Share [Abstract]
Net income	$ 29,163	$ 33,679
Less: Dividends and undistributed earnings allocated to participating securities	74	146
Net income available to common shareholders	29,089	33,533
Net income available to common shareholders	$ 29,089	$ 33,533
Weighted average common shares outstanding (in shares)	126,814,233	126,498,512
Add: Effect of common share options and other stock awards (in shares)	784,738	551,751
Total weighted average common shares and dilutive potential shares (in shares)	127,598,971	127,050,263
Basic earnings per share (in dollars per share)	$ 0.23	$ 0.27
Diluted earnings per share (in dollars per share)	$ 0.23	$ 0.26

Pension and Other Post-Retire_3

Pension and Other Post-Retirement Benefits (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Pension benefits
Components of net periodic benefit cost
Service cost	$ 1,425	$ 1,560
Interest cost	2,205	2,245
Expected return on plan assets	(3,776)	(3,479)
Amortization of prior service cost	(563)	(564)
Amortization of the net loss	18	20
Net periodic cost	(691)	(218)
Other post-retirement benefits
Components of net periodic benefit cost
Service cost	0	0
Interest cost	15	7
Expected return on plan assets	0	0
Amortization of prior service cost	0	0
Amortization of the net loss	10	10
Net periodic cost	$ 25	$ 17

Disclosures About Fair Value _3

Disclosures About Fair Value of Financial Instruments - Narrative (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Significant unrealized appreciation or depreciation in financial instruments	$ 0	$ 0

Disclosures About Fair Value _4

Disclosures About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financial assets:
Securities held-to-maturity	$ 680,353	$ 699,506
Accrued interest receivable	50,680	47,353
Financial liabilities:
Subordinated debt	114,276	114,189
Junior subordinated debentures	129,639	129,574
Derivatives Not Designated as Hedging Instruments
Financial assets:
Derivative assets	48,027	42,772
Financial liabilities:
Derivative liabilities	45,237	42,940
Level 1
Financial assets:
Cash and cash equivalents	119,319	122,260
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Loans receivable, net	0	0
Loans held-for-sale	0
Residential mortgage loans held-for-sale		0
Accrued interest receivable	50,680	47,353
FHLB stock	0	0
Total financial assets	169,999	169,613
Financial liabilities:
Savings and checking deposits	9,284,830	9,377,021
Time deposits	0	0
Borrowed funds	389,997	386,446
Subordinated debt	0	0
Junior subordinated debentures	0	0
Accrued interest payable	17,395	13,669
Total financial liabilities	9,692,222	9,777,136
Level 1 | Interest rate lock commitments
Financial assets:
Derivative assets	0	0
Level 1 | Forward commitments
Financial assets:
Derivative assets	0	0
Level 1 | Foreign exchange swaps
Financial assets:
Derivative assets	0
Financial liabilities:
Derivative liabilities		0
Level 1 | Interest rate swap agreements | Derivatives Designated as Hedging Instruments
Financial assets:
Derivative assets	0	0
Financial liabilities:
Derivative liabilities		0
Level 1 | Interest rate swap agreements | Derivatives Not Designated as Hedging Instruments
Financial assets:
Derivative assets	0	0
Financial liabilities:
Derivative liabilities	0	0
Level 1 | Risk participation agreements
Financial liabilities:
Derivative liabilities	0	0
Level 2
Financial assets:
Cash and cash equivalents	0	0
Securities available-for-sale	1,094,009	1,043,359
Securities held-to-maturity	680,353	699,506
Loans receivable, net	0	0
Loans held-for-sale	213
Residential mortgage loans held-for-sale		0
Accrued interest receivable	0	0
FHLB stock	0	0
Total financial assets	1,822,123	1,784,996
Financial liabilities:
Savings and checking deposits	0	0
Time deposits	0	0
Borrowed funds	0	0
Subordinated debt	112,027	109,471
Junior subordinated debentures	0	0
Accrued interest payable	0	0
Total financial liabilities	157,264	152,411
Level 2 | Interest rate lock commitments
Financial assets:
Derivative assets	0	0
Level 2 | Forward commitments
Financial assets:
Derivative assets	58	12
Level 2 | Foreign exchange swaps
Financial assets:
Derivative assets	2
Financial liabilities:
Derivative liabilities		291
Level 2 | Interest rate swap agreements | Derivatives Designated as Hedging Instruments
Financial assets:
Derivative assets	2,300	713
Financial liabilities:
Derivative liabilities		1,198
Level 2 | Interest rate swap agreements | Derivatives Not Designated as Hedging Instruments
Financial assets:
Derivative assets	45,188	41,406
Financial liabilities:
Derivative liabilities	45,220	41,437
Level 2 | Risk participation agreements
Financial liabilities:
Derivative liabilities	17	14
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	10,370,310	10,274,593
Loans held-for-sale	7,869
Residential mortgage loans held-for-sale		8,768
Accrued interest receivable	0	0
FHLB stock	0	0
Total financial assets	10,378,658	10,284,002
Financial liabilities:
Savings and checking deposits	0	0
Time deposits	2,333,365	2,113,177
Borrowed funds	0	0
Subordinated debt	0	0
Junior subordinated debentures	123,167	112,159
Accrued interest payable	0	0
Total financial liabilities	2,456,532	2,225,336
Level 3 | Interest rate lock commitments
Financial assets:
Derivative assets	479	641
Level 3 | Forward commitments
Financial assets:
Derivative assets	0	0
Level 3 | Foreign exchange swaps
Financial assets:
Derivative assets	0
Financial liabilities:
Derivative liabilities		0
Level 3 | Interest rate swap agreements | Derivatives Designated as Hedging Instruments
Financial assets:
Derivative assets	0	0
Financial liabilities:
Derivative liabilities		0
Level 3 | Interest rate swap agreements | Derivatives Not Designated as Hedging Instruments
Financial assets:
Derivative assets	0	0
Financial liabilities:
Derivative liabilities	0	0
Level 3 | Risk participation agreements
Financial liabilities:
Derivative liabilities	0	0
Carrying amount
Financial assets:
Cash and cash equivalents	119,319	122,260
Securities available-for-sale	1,094,009	1,043,359
Securities held-to-maturity	801,107	814,839
Loans receivable, net	11,368,267	11,280,798
Loans held-for-sale	8,082
Residential mortgage loans held-for-sale		8,768
Accrued interest receivable	50,680	47,353
FHLB stock	30,811	30,146
Total financial assets	13,520,302	13,390,295
Financial liabilities:
Savings and checking deposits	9,284,830	9,377,021
Time deposits	2,786,814	2,602,881
Borrowed funds	400,783	398,895
Subordinated debt	114,276	114,189
Junior subordinated debentures	129,639	129,574
Accrued interest payable	17,395	13,669
Total financial liabilities	12,778,974	12,679,169
Carrying amount | Interest rate lock commitments
Financial assets:
Derivative assets	479	641
Carrying amount | Forward commitments
Financial assets:
Derivative assets	58	12
Carrying amount | Foreign exchange swaps
Financial assets:
Derivative assets	2
Financial liabilities:
Derivative liabilities		291
Carrying amount | Interest rate swap agreements | Derivatives Designated as Hedging Instruments
Financial assets:
Derivative assets	2,300	713
Financial liabilities:
Derivative liabilities		1,198
Carrying amount | Interest rate swap agreements | Derivatives Not Designated as Hedging Instruments
Financial assets:
Derivative assets	45,188	41,406
Financial liabilities:
Derivative liabilities	45,220	41,437
Carrying amount | Risk participation agreements
Financial liabilities:
Derivative liabilities	17	14
Estimated fair value
Financial assets:
Cash and cash equivalents	119,319	122,260
Securities available-for-sale	1,094,009	1,043,359
Securities held-to-maturity	680,353	699,506
Loans receivable, net	10,370,310	10,274,593
Loans held-for-sale	8,082
Residential mortgage loans held-for-sale		8,768
Accrued interest receivable	50,680	47,353
FHLB stock	30,811	30,146
Total financial assets	12,401,591	12,268,757
Financial liabilities:
Savings and checking deposits	9,284,830	9,377,021
Time deposits	2,333,365	2,113,177
Borrowed funds	389,997	386,446
Subordinated debt	112,027	109,471
Junior subordinated debentures	123,167	112,159
Accrued interest payable	17,395	13,669
Total financial liabilities	12,306,018	12,154,883
Estimated fair value | Interest rate lock commitments
Financial assets:
Derivative assets	479	641
Estimated fair value | Forward commitments
Financial assets:
Derivative assets	58	12
Estimated fair value | Foreign exchange swaps
Financial assets:
Derivative assets	2
Financial liabilities:
Derivative liabilities		291
Estimated fair value | Interest rate swap agreements | Derivatives Designated as Hedging Instruments
Financial assets:
Derivative assets	2,300	713
Financial liabilities:
Derivative liabilities		1,198
Estimated fair value | Interest rate swap agreements | Derivatives Not Designated as Hedging Instruments
Financial assets:
Derivative assets	45,188	41,406
Financial liabilities:
Derivative liabilities	45,220	41,437
Estimated fair value | Risk participation agreements
Financial liabilities:
Derivative liabilities	$ 17	$ 14

Disclosures About Fair Value _5

Disclosures About Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Carrying amount
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	$ 1,094,009	$ 1,043,359
Total financial assets	13,520,302	13,390,295
Derivatives Not Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	48,027	42,772
Derivative liabilities	45,237	42,940
Level 1
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Total financial assets	169,999	169,613
Level 2
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	1,094,009	1,043,359
Total financial assets	1,822,123	1,784,996
Level 3
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Total financial assets	10,378,658	10,284,002
Recurring
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	179,142	182,068
Total mortgage-backed securities	914,867	861,291
Total financial assets	1,142,036	1,086,131
Total liabilities	45,237	42,940
Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Total mortgage-backed securities	0	0
Total financial assets	0	0
Total liabilities	0	0
Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	179,142	182,068
Total mortgage-backed securities	914,867	861,291
Total financial assets	1,141,557	1,085,490
Total liabilities	45,237	42,940
Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Total mortgage-backed securities	0	0
Total financial assets	479	641
Total liabilities	0	0
U.S. government and agencies | Recurring
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	56,718	58,314
U.S. government and agencies | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
U.S. government and agencies | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	56,718	58,314
U.S. government and agencies | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Government-sponsored enterprises | Recurring
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	40,519	40,597
Government-sponsored enterprises | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Government-sponsored enterprises | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	40,519	40,597
Government-sponsored enterprises | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
States and political subdivisions | Recurring
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	74,271	75,469
States and political subdivisions | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
States and political subdivisions | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	74,271	75,469
States and political subdivisions | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Corporate | Recurring
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	7,634	7,688
Corporate | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
Corporate | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	7,634	7,688
Corporate | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Securities available-for-sale	0	0
GNMA | Recurring
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	31,305	17,441
Collateralized mortgage obligations	374,391	331,784
GNMA | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
GNMA | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	31,305	17,441
Collateralized mortgage obligations	374,391	331,784
GNMA | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
FNMA | Recurring
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	98,861	102,678
Collateralized mortgage obligations	144,489	148,892
FNMA | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
FNMA | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	98,861	102,678
Collateralized mortgage obligations	144,489	148,892
FNMA | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
FHLMC | Recurring
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	82,746	70,830
Collateralized mortgage obligations	183,070	189,661
FHLMC | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
FHLMC | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	82,746	70,830
Collateralized mortgage obligations	183,070	189,661
FHLMC | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Collateralized mortgage obligations	0	0
Non-agency | Recurring
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	5	5
Non-agency | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Non-agency | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	5	5
Non-agency | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Residential mortgage-backed securities	0	0
Interest rate lock commitments | Carrying amount
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	479	641
Interest rate lock commitments | Level 1
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Interest rate lock commitments | Level 2
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Interest rate lock commitments | Level 3
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	479	641
Interest rate lock commitments | Recurring
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	479	641
Interest rate lock commitments | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Interest rate lock commitments | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Interest rate lock commitments | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	479	641
Forward commitments | Carrying amount
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	58	12
Forward commitments | Level 1
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Forward commitments | Level 2
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	58	12
Forward commitments | Level 3
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Forward commitments | Recurring
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	58	12
Forward commitments | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Forward commitments | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	58	12
Forward commitments | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Foreign exchange swaps | Carrying amount
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	2
Derivative liabilities		291
Foreign exchange swaps | Level 1
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0
Derivative liabilities		0
Foreign exchange swaps | Level 2
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	2
Derivative liabilities		291
Foreign exchange swaps | Level 3
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0
Derivative liabilities		0
Foreign exchange swaps | Recurring
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	2
Derivative liabilities		291
Foreign exchange swaps | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0
Derivative liabilities		0
Foreign exchange swaps | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	2
Derivative liabilities		291
Foreign exchange swaps | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0
Derivative liabilities		0
Interest rate swap agreements | Derivatives Designated as Hedging Instruments | Carrying amount
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	2,300	713
Derivative liabilities		1,198
Interest rate swap agreements | Derivatives Not Designated as Hedging Instruments | Carrying amount
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	45,188	41,406
Derivative liabilities	45,220	41,437
Interest rate swap agreements | Level 1 | Derivatives Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Derivative liabilities		0
Interest rate swap agreements | Level 1 | Derivatives Not Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Derivative liabilities	0	0
Interest rate swap agreements | Level 2 | Derivatives Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	2,300	713
Derivative liabilities		1,198
Interest rate swap agreements | Level 2 | Derivatives Not Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	45,188	41,406
Derivative liabilities	45,220	41,437
Interest rate swap agreements | Level 3 | Derivatives Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Derivative liabilities		0
Interest rate swap agreements | Level 3 | Derivatives Not Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Derivative liabilities	0	0
Interest rate swap agreements | Recurring | Derivatives Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	2,300	713
Derivative liabilities		1,198
Interest rate swap agreements | Recurring | Derivatives Not Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	45,188	41,406
Derivative liabilities	45,220	41,437
Interest rate swap agreements | Recurring | Level 1 | Derivatives Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Derivative liabilities		0
Interest rate swap agreements | Recurring | Level 1 | Derivatives Not Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Derivative liabilities	0	0
Interest rate swap agreements | Recurring | Level 2 | Derivatives Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	2,300	713
Derivative liabilities		1,198
Interest rate swap agreements | Recurring | Level 2 | Derivatives Not Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	45,188	41,406
Derivative liabilities	45,220	41,437
Interest rate swap agreements | Recurring | Level 3 | Derivatives Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Derivative liabilities		0
Interest rate swap agreements | Recurring | Level 3 | Derivatives Not Designated as Hedging Instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Derivative liabilities	0	0
Risk participation agreements | Carrying amount
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	17	14
Risk participation agreements | Level 1
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	0	0
Risk participation agreements | Level 2
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	17	14
Risk participation agreements | Level 3
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	0	0
Risk participation agreements | Recurring
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	17	14
Risk participation agreements | Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	0	0
Risk participation agreements | Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	17	14
Risk participation agreements | Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	$ 0	$ 0

Disclosures About Fair Value _6

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 - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3)
Beginning balance,	$ 641	$ 559
Interest rate lock commitments:
Net activity	(162)	(173)
Ending balance	$ 479	$ 386

Disclosures About Fair Value _7

Disclosures About Fair Value of Financial Instruments - Nonrecurring Assets that had Fair Market Values Below the Carrying Amount (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Level 1
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	$ 0	$ 0
Total assets	169,999	169,613
Level 2
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	0	0
Total assets	1,822,123	1,784,996
Level 3
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	10,370,310	10,274,593
Total assets	10,378,658	10,284,002
Nonrecurring
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	173	133
Real estate owned, net	50	104
Total assets	39,346	36,984
Nonrecurring | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	39,123	36,747
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
Nonrecurring | Level 1 | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	0	0
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
Nonrecurring | Level 2 | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	0	0
Nonrecurring | Level 3
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	173	133
Real estate owned, net	50	104
Total assets	39,346	36,984
Nonrecurring | Level 3 | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	$ 39,123	$ 36,747

Disclosures About Fair Value _8

Disclosures About Fair Value of Financial Instruments - Additional Quantitative Information, Assets Measured at Fair Value, Recurring and Nonrecurring Basis, Level 3 Input (Details)	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Nonrecurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights	$ 173,000	$ 133,000
Real estate owned, net	$ 50,000	104,000
Nonrecurring | Estimated cost to sell | Appraisal Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Real estate owned, net, measurement input	0.10
Nonrecurring | Annual service cost | Discounted Cash Flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	89
Nonrecurring | Prepayment rate | Discounted Cash Flow | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.066
Nonrecurring | Prepayment rate | Discounted Cash Flow | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.182
Nonrecurring | Prepayment rate | Discounted Cash Flow | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.107
Nonrecurring | Expected life (months) | Discounted Cash Flow | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	51
Nonrecurring | Expected life (months) | Discounted Cash Flow | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	102.3
Nonrecurring | Expected life (months) | Discounted Cash Flow | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	72.3
Nonrecurring | Option adjusted spread | Discounted Cash Flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.0729
Nonrecurring | Forward yield curve | Discounted Cash Flow | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.0543
Nonrecurring | Forward yield curve | Discounted Cash Flow | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.0533
Recurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held for sale	$ 7,869,000
Recurring | Estimated pull-through rate | Quoted prices for similar loans in active markets adjusted by an expected pull-through rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held for sale, measurement input	1
Loans individually assessed | Nonrecurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans individually assessed	$ 39,123,000	$ 36,747,000
Loans individually assessed | Nonrecurring | Estimated cost to sell | Appraisal Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans individually assessed, measurement input	0.10

Derivative Financial Instrume_3

Derivative Financial Instruments - Narrative (Details) - Interest rate swap agreements - Derivatives Designated as Hedging Instruments $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) derivative	Mar. 31, 2024 USD ($)
Derivative [Line Items]
Number of derivatives | derivative	7
Derivative, notional amount | $	$ 175,000	$ 175,000
Minimum
Derivative [Line Items]
Derivative contract maturities (in years)	3 years
Maximum
Derivative [Line Items]
Derivative contract maturities (in years)	5 years

Derivative Financial Instrume_4

Derivative Financial Instruments - Schedule of Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Derivatives Designated as Hedging Instruments | Interest rate swap agreements
Derivative [Line Items]
Asset derivatives, notional amount	$ 175,000	$ 75,000
Asset derivatives, fair value	2,300	713
Liability derivatives, notional amount	0	100,000
Liability derivatives, fair value	0	1,198
Derivatives Not Designated as Hedging Instruments
Derivative [Line Items]
Asset derivatives, notional amount	939,452	822,277
Asset derivatives, fair value	48,027	42,772
Liability derivatives, notional amount	832,454	939,144
Liability derivatives, fair value	45,237	42,940
Derivatives Not Designated as Hedging Instruments | Interest rate swap agreements
Derivative [Line Items]
Asset derivatives, notional amount	740,173	725,139
Asset derivatives, fair value	45,188	41,406
Liability derivatives, notional amount	740,173	725,139
Liability derivatives, fair value	45,220	41,437
Derivatives Not Designated as Hedging Instruments | Foreign exchange swaps
Derivative [Line Items]
Asset derivatives, notional amount	2,975	0
Asset derivatives, fair value	2	0
Liability derivatives, notional amount	0	12,278
Liability derivatives, fair value	0	291
Derivatives Not Designated as Hedging Instruments | Interest rate lock commitments
Derivative [Line Items]
Asset derivatives, notional amount	18,591	21,857
Asset derivatives, fair value	479	641
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	2,713	281
Asset derivatives, fair value	58	12
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
Asset derivatives, fair value	0	0
Liability derivatives, notional amount	92,281	101,727
Liability derivatives, fair value	$ 17	$ 14

Derivative Financial Instrume_5

Derivative Financial Instruments - Gain (Loss) on Derivative Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Hedging derivatives:
Decrease in interest expense	$ 733	$ 0
Increase/(decrease) in other income
Non-hedging swap derivatives:
Increase/(decrease) in other income	287	(202)
Decrease in mortgage banking income
Non-hedging swap derivatives:
Increase/(decrease) in other income	$ (115)	$ (174)

Derivative Financial Instrume_6

Derivative Financial Instruments - Key Characteristics of Interest Rate Derivative Transactions (Details) - Derivatives Designated as Hedging Instruments - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Interest rate swap agreements
Derivative [Line Items]
Notional amount	$ 175,000	$ 175,000
Estimated decrease to interest expense in the next twelve months	(2,980)
Issued May 11, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	3.50%
Estimated decrease to interest expense in the next twelve months	$ (546)
Remaining term (in months)	37 months
Issued May 12, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	3.55%
Estimated decrease to interest expense in the next twelve months	$ (534)
Remaining term (in months)	49 months
Issued May 19, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	3.83%
Estimated decrease to interest expense in the next twelve months	$ (460)
Remaining term (in months)	44 months
Issued May 31, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	4.03%
Estimated decrease to interest expense in the next twelve months	$ (406)
Remaining term (in months)	32 months
Issued July 26, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	4.22%
Estimated decrease to interest expense in the next twelve months	$ (359)
Remaining term (in months)	52 months
Issued July 31, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	4.30%
Estimated decrease to interest expense in the next twelve months	$ (336)
Remaining term (in months)	46 months
Issued August 9, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	4.32%
Estimated decrease to interest expense in the next twelve months	$ (339)
Remaining term (in months)	40 months

Changes in Accumulated Other _3

Changes in Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Changes in accumulated other comprehensive income by component
Beginning balance	$ 1,551,317	$ 1,491,486
Other comprehensive (loss)/income before reclassification adjustments	(3,544)	13,017
Amounts reclassified from accumulated other comprehensive income	(388)	(382)
Other comprehensive (loss)/income	(3,932)	12,635
Ending balance	1,552,449	1,513,275
Unrealized holding gains (losses), tax	1,758	(3,308)
Unrealized holding losses on interest rate swaps, tax	(630)	0
Actuarial reclassification adjustments for prior period service costs and actuarial gains included in net income, tax	147	152
Total
Changes in accumulated other comprehensive income by component
Beginning balance	(149,492)	(171,158)
Other comprehensive (loss)/income	(3,932)	12,635
Ending balance	(153,424)	(158,523)
Unrealized  losses on securities  available-for-sale
Changes in accumulated other comprehensive income by component
Beginning balance	(150,659)	(164,206)
Other comprehensive (loss)/income before reclassification adjustments	(5,698)	13,017
Amounts reclassified from accumulated other comprehensive income	0	0
Other comprehensive (loss)/income	(5,698)	13,017
Ending balance	(156,357)	(151,189)
Change in  fair value  of interest  rate swaps
Changes in accumulated other comprehensive income by component
Beginning balance	(374)
Other comprehensive (loss)/income before reclassification adjustments	2,154
Amounts reclassified from accumulated other comprehensive income	0
Other comprehensive (loss)/income	2,154
Ending balance	1,780
Change in  defined benefit  pension plans
Changes in accumulated other comprehensive income by component
Beginning balance	1,541	(6,952)
Other comprehensive (loss)/income before reclassification adjustments	0	0
Amounts reclassified from accumulated other comprehensive income	(388)	(382)
Other comprehensive (loss)/income	(388)	(382)
Ending balance	$ 1,153	$ (7,334)

Subsequent Events (Details)

Subsequent Events (Details) - Subsequent Event $ in Millions	1 Months Ended
	Apr. 30, 2024 USD ($)
Subsequent Event [Line Items]
Available for sale securities, percentage to be sold	15%
Payback period	3 years
Average yield (less than) (as a percent)	2%
Remaining maturity period	4 years
Minimum
Subsequent Event [Line Items]
Expected yield (as a percent)	3.75%
Maximum
Subsequent Event [Line Items]
Expected loss	$ 40
Expected loss, after tax	$ 30
Expected yield (as a percent)	4%

Uncategorized Items - nwbi-2024

Label	Element	Value
Accounting Standards Update [Extensible Enumeration]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2022-02 [Member]